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

There’s no such thing as having “too many questions” when it comes to your financial future.Ask them. Get clarity. Under...
09/01/2026

There’s no such thing as having “too many questions” when it comes to your financial future.

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

That’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, there’s no one-size-fits-all approach.

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

The key is understanding how each option works and where it may—or may not—fit within your overall strategy.

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.



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 59½ 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.

📈 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

📈 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 that’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 📲



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? We’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.

08/21/2026

Most people hear the compound growth conversation and quietly run the math on what they missed.

If you're in your late fifties or sixties, that math can feel like a verdict. It isn't one. The window that closed was the window for starting early. The window still open is the one where the money you already have has to carry you through decades of retirement. That's still real runway, and what you do with it still matters.

Waiting carries a cost at every age. So does assuming the important decisions are already behind you.

Peter reacts to a clip on the time value of money and what it actually means for someone closer to retirement than to their first paycheck.

What's the one money decision you wish you'd made ten years earlier?

Someday starts today.

08/21/2026

Six years until retirement? Now is the time to start looking at the bigger picture.

The years leading up to retirement can bring expenses, decisions, and planning considerations that are easy to overlook.

Understanding what may be ahead gives you more time to prepare and make adjustments along the way.

Don’t stress, call Richon Planning to ensure your retirement plan is stable and ready for all scenarios 📲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: positive, confident, present, progress, corporate VP (1518395)
Musician: Yoga Ardiansyah RMX

Market uncertainty can make it tempting to sit on the sidelines—especially when headlines seem to change by the week.Fro...
08/19/2026

Market uncertainty can make it tempting to sit on the sidelines—especially when headlines seem to change by the week.

From geopolitical developments and the midterm elections to AI, IPOs, and the Federal Reserve, there’s plenty competing for investors’ attention. But sometimes, patience is part of the strategy.

As Charlie Munger famously said, “The big money is not in the buying and selling, but in the waiting.”

📞 Feeling uncertain about your investment strategy? Call Richon Planning at 919-300-5886 to talk through your plan.


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.

08/18/2026

You did everything right. You saved, you stayed invested, you ignored every scary headline for thirty years. And it worked.

Then you get within a year of retirement and the same approach that built the account starts behaving differently. Not because the market changed. Because your timeline did.

With decades ahead, time is on your side. You are still earning, still contributing, and nothing forces you to sell. Twelve months from your last paycheck, that flips. Now you are drawing from the account instead of adding to it, and the dollars you pull out during a downturn are dollars that never get the chance to come back.

Same market. Different math.

Risk tolerance is not something you set once at 35 and never look at again. It is worth revisiting as the finish line gets close.

Where would you rate your own portfolio right now, 1 to 10?

Someday starts today.

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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