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

A few birthdays can have a bigger impact on your retirement than you might expect. 🎂At certain ages, new opportunities b...
06/17/2026

A few birthdays can have a bigger impact on your retirement than you might expect. 🎂

At certain ages, new opportunities become available, from catch-up contributions to Medicare enrollment and Social Security benefits. Other milestones come with deadlines that are easy to overlook if no one's paying attention.

Knowing those dates ahead of time can help you avoid mistakes and take advantage of opportunities when they become available.

If one of these milestone birthdays is on your horizon, now is a great time to make sure you're prepared for the opportunities and decisions that come with it. Call Richon Planning at 919-300-5886 & we’d be happy to help you plan with confidence. ‼️


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.


Markets change. Headlines change. Life changes.What shouldn't change is having a financial strategy built around your lo...
06/16/2026

Markets change. Headlines change. Life changes.

What shouldn't change is having a financial strategy built around your long-term goals. One of the most valuable parts of the planning process is helping clients stay focused on the bigger picture when short-term uncertainty creates distractions.

We're grateful for the trust our clients place in us and proud to help them make confident decisions through every market environment.

Ready to work with an advisor who takes the time to understand your goals? Contact Richon Planning today to start the conversation.

📲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.

06/12/2026

You retired. You're living on savings and maybe Social Security, and you haven't started pulling from your IRA or 401(k) yet. So you figure there's nothing to do on the tax side until those required withdrawals kick in.

Here's what most people miss. This stretch, after your paycheck stops and before your required withdrawals begin, can be the most valuable tax planning window of your whole retirement.

No working income usually means you're in a lower tax bracket than you've seen in decades. That opens the door to moves you can't make as cleanly at any other point in life. Roth conversions are the big one. You shift money out of your pre-tax accounts and into tax-free ones while the rate to do it is low, instead of waiting until required withdrawals force more income onto your return every single year.

The window does not stay open. Once required withdrawals begin, at 73 or 75 depending on your birth year, your options narrow. The years before that are yours to plan with.

If you're in that stretch right now, this is the conversation worth having. Comment ROTH below or send us a DM with the word ROTH, and we'll get you the details to join Peter's Roth conversion webinar.

Someday starts today.

06/12/2026

Most retirement income conversations focus on building wealth. But what is equally as important is understanding how income sources may change over time.

The widow's penalty is one example of why retirement planning isn't just about accumulation. It's also about preparing for the unexpected and protecting your loved ones.

If you have any questions, please 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.






Music: Old Film
Musician: Kairo Vibe
⬇️⬇️⬇️⬇️⬇️

06/11/2026

Most explanations of a Roth IRA leave you more confused than when you started. Then a cartoon cat does it in under two minutes and it finally clicks. Peter watched this one and couldn't stop laughing. His take? These cats know more than some humans handing out money advice.

Here's the thing. They actually got it right. A Roth IRA flips the usual order. You pay the taxes now, while you know what the rules are, instead of betting on what they'll look like years down the road. In retirement, qualified withdrawals are yours to keep. No required minimum distributions forcing money out before you want it. No surprise bill in a year you can least afford one.

That's the part most people miss. It was never really about the account. It's about who controls the tax bill and when, you or the IRS.

So if a cat can make the case this clearly, here's a fair question. What's actually stopping you from looking at whether a Roth fits your plan?

Someday starts today.

"What if I outlive my money?"It's a real fear. And honestly, it's a smart question to be asking.Once you retire, you liv...
06/10/2026

"What if I outlive my money?"

It's a real fear. And honestly, it's a smart question to be asking.

Once you retire, you live a Saturday every day. You want to enjoy the years you worked so hard for. But it's hard to do that when you're not sure your income will last.

With some retirement plans, adding an annuity can mean a guaranteed paycheck for life.

June is National Annuity Awareness Month, and we think that question deserves a real conversation. Call Richon Planning 919-300-5886 to see if adding an annuity is best for your retirement plan 📲📲

Free calculator in comments 👀⬇️


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.


Retirement planning should provide more than just numbers on a page. It should provide clarity, confidence, and a strate...
06/09/2026

Retirement planning should provide more than just numbers on a page. It should provide clarity, confidence, and a strategy you understand.

We're grateful for the trust our clients place in us and proud to help individuals navigate important financial decisions with confidence.

Call Richon Planning today to ensure your retirement plan is right for you 📲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.

🚨It is officially time to nominate your favorites for Raleigh’s Best 2026!If you've had a positive experience with Richo...
06/08/2026

🚨It is officially time to nominate your favorites for Raleigh’s Best 2026!

If you've had a positive experience with Richon Planning, we'd be honored to receive your nomination in the Financial / Wealth Management category.

After earning 🥇 Gold in 2025 and 🥈 Silver in 2024 for Wealth Management, we're excited for another opportunity to be recognized alongside so many outstanding local businesses.

🗓️Nominations close June 19th
🔗Link below & in bio!

We appreciate all the support!

06/05/2026

"My friend did a Roth conversion and got hit with a huge tax bill. I don't want that to happen to me."

If that thought has crossed your mind, here's what most people get wrong.

Every Roth conversion comes with a tax bill. That part is unavoidable. The mistake is converting without a plan for what that bill is actually going to be.

The strategy comes down to your brackets. You want to convert just enough to fill up your current tax bracket without spilling over into the next one. When it's done right, you know exactly what you owe before you ever move a dollar. When it's done without a plan, you end up like the friend in this story.

A Roth conversion can be one of the smartest moves you make heading into retirement. It just has to be intentional, not a guess.

Have you actually run the numbers on what a conversion would do to your tax bill this year?

06/05/2026

Would you pay thousands more for health insurance because you earned one extra dollar?

Most people don't realize this rule exists.

Watch to learn about the ACA Subsidy Cliff and how it could affect your healthcare costs in retirement.

Call Richon Planning 919-300-5886 or comment ‘INSURANCE’ 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.






Music: Chill Lounge Journey
Musician: Gummy MusicLab
⬇️⬇️⬇️⬇️⬇️

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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