Richon Planning

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Richon Planning Richon Planning, LLC. is an independent investment & financial services firm headquartered in Fuquay

Independent planning firm located in the Research triangle area and serving Raleigh, Cary, Apex, Holly Springs and Fuquay Varina. We offer insurance planning, protection, and savings as well as investment planning and guidance for individuals and business

Medicare Open Enrollment runs from October 15 to December 7 each year: a defined window to review your coverage and make...
10/16/2026

Medicare Open Enrollment runs from October 15 to December 7 each year: a defined window to review your coverage and make updates if needed.

This year, some Medicare enrollees may see changes involving prescription drug coverage, provider networks, or out-of-pocket costs. That’s one reason it may be worth taking a closer look before automatically renewing current coverage.

Even a simple review of costs, prescriptions, and provider access can help clarify whether current coverage still fits your needs heading into the new year.

Call Richon Planning 919-300-5886 with any questions.

(Sources: Medicare.gov, 2026 ; Centers for Medicare & Medicaid Services, 2024)



DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

10/15/2026

A lot of people assume Medicare works like a flat fee. Everyone turns 65, everyone gets the same bill.

In reality, Medicare premiums are tied to income. Once your income passes certain levels, you pay more for the same coverage. Two neighbors on the same street can pay very different amounts.

This is where planning matters. The way you take income in retirement can affect which bracket you land in, and a little foresight can keep one big income year from pushing your premiums up.

When your income plan is built on purpose, more of your retirement goes toward the people and plans you care about, and less goes to surprises.

Did you know your income could change what you pay for Medicare?

Someday starts today.

Your Financial Plan Has a Digital Side, Too. Protecting your financial life isn’t only about how your money is invested....
10/14/2026

Your Financial Plan Has a Digital Side, Too.

Protecting your financial life isn’t only about how your money is invested.

Taking a few steps to protect your identity, accounts, and personal information can help reduce the risk of fraud before it reaches your finances.

Protect the plan. Protect the information behind it. Any concerns or questions? Call Richon Planning 919-300-5886


DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

10/13/2026

Retiring before Medicare kicks in usually means buying your own health insurance for a while, and those premiums can be a shock.

It's tempting to lowball your income estimate to get more help with the cost. But that estimate gets checked against your actual tax return. If you earn more than you said, you could owe the difference back at tax time. And if your income lands above the eligibility line, even by a little, that help can disappear completely.

The smarter approach is an accurate estimate and a retirement income plan built to control where your income lands each year. That's worth mapping out before you leave work, while you still have options.

Get it right, and the years before Medicare feel like the start of the retirement you planned for.

Are you planning to retire before Medicare? How are you handling health insurance until then?

Someday starts today.

This year, Amber Richon (), and Successful Business Women are working to help provide 300 Wake County families in need w...
10/13/2026

This year, Amber Richon (), and Successful Business Women are working to help provide 300 Wake County families in need with a Thanksgiving meal, and Richon Planning is proud to be a collection location!

We have a food donation box at our office and are collecting items to help fill Thanksgiving grocery bags, including canned vegetables, yams, mashed potatoes, stuffing, cranberry sauce, mac & cheese, rice, peanut butter & jelly, and more.

If you’d like to help, stop by the Richon Planning office and add an item (or a few!) to our box. Every contribution helps make the table a little fuller for a local family this Thanksgiving. 🤎

Also, check out the sign up sheet attached below if you would like to volunteer with the shopping or distributing in November!

Call our office at (919) 300-5886 or send a dm if you have any questions!

10/09/2026

Plenty of people have 65 circled as the year healthcare finally stops costing them money.

Medicare is something you paid into your whole working life, and it covers a lot. But Medicare has a price tag. There are monthly premiums, each spouse pays their own, and because they're tied to income, some retirees pay more than the standard amount.

So healthcare needs its own line in your retirement income plan. When you know the cost is coming, you can budget for it, and how you draw income in retirement can affect what you pay.

Get that piece settled ahead of time, and your retirement dollars stay pointed at the someday you saved them for.

Be honest: were you counting on Medicare costing nothing?

Someday starts today.

10/09/2026

🤔 When might a Roth conversion NOT make sense?

Timing matters! Converting during your peak earning years could mean a higher tax bill, while using converted funds to pay taxes before age 59½ could trigger an additional 10% penalty.

💡 Roth conversions aren't just about if you should convert, but when it makes the most financial sense.

Watch the full video on Youtube (Link Below)


DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.



Music: Honey Morning
Musician: Malorie Young
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Having multiple retirement accounts is one thing. Getting them to work together is another. Your 401(k), Traditional IRA...
10/07/2026

Having multiple retirement accounts is one thing. Getting them to work together is another.

Your 401(k), Traditional IRA, Roth IRA, and taxable savings can each play a different role in retirement. And the order in which you save, invest, and eventually withdraw from those accounts can affect taxes, future growth, and how long your savings may last.

The goal? A coordinated strategy that looks at the bigger picture, including income needs, investments, taxes, risk tolerance, and long-term goals.

📞 Ready to see how the pieces of your retirement plan fit together? Call Richon Planning at 919-300-5886.



DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

10/06/2026

You retired. The paycheck stopped. But your Medicare premium might still be priced like you're working.

Your premium is set using an older tax return, not what you're bringing in today. So the year your income drops can be the year your premium doesn't.

Here's what a lot of new retirees never hear: when a major life change like retirement lowers your income, you can ask for your premium to be reviewed using your more recent numbers. If it's approved, what you pay could come down.

A little paperwork now could mean more money staying where it belongs, funding the life you actually retired to live.

Did anyone mention this to you when you retired?

Someday starts today.

Financial planning isn’t just about the numbers. It’s about understanding what matters most and building a strategy arou...
10/06/2026

Financial planning isn’t just about the numbers. It’s about understanding what matters most and building a strategy around it.

We appreciate kind words like these and the trust placed in our team to provide thoughtful guidance through both personal and financial decisions.

Call Richon Planning 919-300-5886 to have a conversation 📲

DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

Address

600 Stellata Drive
Fuquay-Varina, NC
27526

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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