Richon Planning

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

09/04/2026

Myth: Medicare covers long-term care.
Reality: it doesn't and Medicaid only kicks in once you've spent down to near-poverty level.

80% of retirees will need some form of long-term care. Are you prepared?

šŸŽ™ļø New episode of Planning Matters Radio on Youtube. Call Richon Planning at 919-300-5886 if you have questions


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: Vlog Aesthetic
Musician: Febri Handika
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09/04/2026

Being mortgage free in retirement is one of the most common goals we hear. It's a good goal. The house payment is usually the largest fixed cost left in the budget, and clearing it changes how the whole month feels.

The question worth slowing down on isn't whether to pay it off. It's where the money comes from.

Pulling a large sum out of a pre-tax retirement account doesn't just move money. It creates taxable income in a single year, and that one year can reach further than the tax bill itself. Depending on your age, your employment situation, and how the withdrawal stacks on top of everything else you report, the true cost of the payoff can look very different from the balance of the loan.

There's usually more than one road to the same finish line. Timing the withdrawal differently, spreading it across tax years, or funding it from a different account can all end in a paid off house with a different bill attached.

The goal isn't wrong. The path is where the money gets made or lost.

If you're weighing this one, what's driving it more, the monthly payment or the peace of mind?

Someday starts today

When it comes to life insurance, thereā€™s more to consider than just having coverage.Different policies may offer differe...
09/02/2026

When it comes to life insurance, thereā€™s more to consider than just having coverage.

Different policies may offer different features, from potential cash value to options beyond basic coverageā€”and even life insurance through work can have limitations.

The key is understanding how your coverage works and how it fits into your broader financial picture.

Call Richon Planning 919-300-5886 to learn more šŸ“²


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.

09/01/2026

There's a 401(k) out there with your name on it, sitting at a job you left years ago.

You haven't logged in. You don't remember what's in it. It's still following whatever you picked during your first week of orientation.

Leave it or roll it. Combine or keep them separate. Pay the tax now or pay it later. Target date fund or build your own mix. Those are four separate decisions, and the right answer to each one depends on your income, your plan's options, and what you expect retirement to actually cost.

Four decisions. Not one.

Most people never make any of them on purpose. The default just rides, year after year, and nobody checks whether it still fits.

Retirement feels a lot simpler when the accounts behind it were set up on purpose.

Which one of these have you been putting off?

Someday starts today.

Thereā€™s no such thing as having ā€œtoo many questionsā€ when it comes to your financial future.Ask them. Get clarity. Under...
09/01/2026

Thereā€™s no such thing as having ā€œtoo many questionsā€ when it comes to your financial future.

Ask them. Get clarity. Understand your options. Then decide what makes sense for you.

Thatā€™s how financial planning should feel.

Got questions about your personal finance future? Call Richon Planning 919-300-5886 for a complimentary 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.

08/28/2026

When it comes to retirement planning, thereā€™s no one-size-fits-all approach.

Bonds and fixed indexed annuities each come with their own potential benefits and trade-offsā€”from market exposure and growth potential to liquidity and time commitments.

The key is understanding how each option works and where it mayā€”or may notā€”fit within your overall strategy.

Call Richon Planning 919-300-5886 to learn more šŸ“²



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: Daily Vlog
Musician: Febri Handika

08/27/2026

You have heard it your whole working life. Touch your 401(k) before 59 and a half and you pay a penalty for it.

Mostly true. Not entirely.

There are a few narrow situations where money can come out earlier without that penalty, and each one carries conditions most people never hear about. Which is exactly why they are so easy to get wrong.

But here is the part worth sitting with. Being able to reach that money early is not the same as it being a good idea. Every dollar you pull forward is a dollar your future self was counting on.

The goal was never just getting to retirement. It was getting there with options.

What is one 401(k) rule you were told and never questioned?

Someday starts today.

08/26/2026

You hit 56 and realize you're ready. Not someday. Now.

Then you look at where the money actually is, and most of it is sitting in a 401k built around a number you haven't reached yet.

There are narrow exceptions that allow access before 59Ā½ without the 10% early withdrawal penalty. They come with specific criteria, and they vary plan by plan. Some employer plans allow it. Some don't. And avoiding the penalty is not the same as avoiding taxes, because those withdrawals are generally still taxed as ordinary income.

That's the part worth understanding before you set a date. Not just whether you can reach the money, but what it costs you to reach it.

If you're mapping out an earlier exit, what's the piece you're least sure about?

Someday starts today.

šŸ“ˆ Earnings expectations are on the rise.S&P 500 earnings estimates for 2026 and 2027 are trending higher, fueled by a st...
08/26/2026

šŸ“ˆ Earnings expectations are on the rise.

S&P 500 earnings estimates for 2026 and 2027 are trending higher, fueled by a stronger economic outlook. While thatā€™s encouraging, historically volatile months like September and October are approaching.

The takeaway? Stay focused on the long-term strategy, even when short-term market swings make headlines.
Call Richon Planning 919-300-5886 with any questions šŸ“²



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.

Having a clear financial direction can make all the difference.Financial planning should be informative, straightforward...
08/25/2026

Having a clear financial direction can make all the difference.

Financial planning should be informative, straightforward, and focused on what matters most to you. Whether you're preparing for retirement, navigating a financial decision, or simply wondering what your next step should be, having a plan can help bring clarity to the road ahead.

Ready to start the conversation? Weā€™re here to help. Call Richon Planning 919-300-5886 to learn more.



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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