Richon Planning

Directions Website Contact the business

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

10/23/2026

💰 Is your money playing it too safe?

Keeping cash accessible is important, especially for emergencies. But is there a point where holding too much money in savings could actually work against your financial goals?

Sometimes, the fear of market risk can lead to missed opportunities, leaving more money sitting on the sidelines than necessary.

📊 Finding the right balance between safety, accessibility, and growth is an important part of retirement planning.

Watch as Peter Richon explains what “lazy money” is and why it may be worth taking a closer look at your savings strategy.



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: Luxury Place
Musician: Licce Guerra
⬇️⬇️⬇️⬇️⬇️

When should you start claiming Social Security? 🤔At 62, full retirement age, or 70? The answer depends on more than just...
10/21/2026

When should you start claiming Social Security? 🤔

At 62, full retirement age, or 70? The answer depends on more than just your monthly benefit.

Whether you're still working, have other sources of retirement income, or are considering longevity, several factors can influence your decision.

📍 Swipe through our Social Security Roadmap to explore a few important questions to consider before claiming!

Call Richon Planning if you have any questions 📲 919-300-5886

🎥 Want to take a deeper dive? In our recent webinar, Peter Richon breaks down the math behind claiming Social Security at 62, 67, or 70, including how your decision can affect taxes, Medicare costs, and retirement income.
(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.

10/20/2026

Retiring a few years early is the goal for a lot of people. More time with family and more good years to actually enjoy it.

But leaving work early usually means leaving your employer's health plan early, and Medicare doesn't start until later. Those years in between are on you. Coverage at that age tends to cost more than people expect, and it's one of the easiest expenses to leave out of a retirement budget.

The answer is planning for that gap on purpose: knowing where your coverage will come from and building the cost into your income plan before you hand in your notice.

Do that, and the early retirement you've been working toward becomes something you can actually afford to enjoy.

If you retired tomorrow, would you know where your health insurance was coming from?

Someday starts today.

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
⬇️⬇️⬇️⬇️⬇️

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

Website

,

Alerts

Be the first to know and let us send you an email when Richon Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Richon Planning:

Shortcuts

Share

Category