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

07/17/2026

The safest looking choice in retirement can quietly become the riskiest.

Put one hundred percent of your savings into a fixed annuity and the danger isn't the market. It's access.

The appeal is real: predictable income, no market swings. None of that helps the day a surprise expense lands. A new roof, a medical bill, a family emergency. That money is locked behind surrender charges, and pulling it early can cost you.

That's why Peter lands this one in the middle of the risk meter, not the bottom. The product isn't the problem. Betting everything on it is.

Guaranteed income has a real place in a retirement plan. So does cash you can reach without a penalty. The win is holding both, not choosing one.

If a big expense hit next month, how much of your money could you actually touch?

Someday starts today.

07/17/2026

Did you know there's an account with a triple tax advantage? 👀

A Health Savings Account (HSA) lets you contribute pre-tax dollars, grow your money tax-free, and make tax-free withdrawals for qualified medical expenses. From Medicare premiums to long-term care costs, an HSA can be a powerful tool for planning ahead.

Not everyone is eligible, but if you have access to an HSA, it's worth understanding how it could fit into your long-term financial plan.

Have questions about HSAs or retirement planning? We'd be happy to help. 📞 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.






Music: Groovy Summer Party
Musician: Gummy MusicLab
⬇️⬇️⬇️⬇️⬇️

07/15/2026

Shaq didn't get rich from annuities...

He got rich from basketball, movies, endorsements, and a pile of businesses most people will never touch. The annuity an old man in a Rolls-Royce once told him to buy did something different. It helped protect the money he had already made.

That is the part worth hearing. An annuity is not a wealth machine. For the right person, it can turn money you have already saved into income you can count on later.

And "the right person" matters. Annuities are not for everyone, and anyone who tells you they are is selling, not planning. Whether one fits comes down to your situation, your other income, and what you are actually trying to protect.

You do not need Shaq's money to want that kind of certainty heading into retirement. You need a plan built around your life, not someone else's highlight reel.

Wondering whether an annuity belongs in your plan, or whether it doesn't? DM us your question. No pitch, just a straight answer.

Someday starts today.

Markets will always react to interest rates, inflation, and breaking news. That doesn't mean your financial plan should....
07/15/2026

Markets will always react to interest rates, inflation, and breaking news. That doesn't mean your financial plan should.

Market volatility is a normal part of investing. Stay focused on your long-term goals, not the daily headlines.

If recent market swings have you wondering whether your plan is still on track, we're here to help. Give Richon Planning a call 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.



⭐⭐⭐⭐⭐�Every financial situation is different, which is why conversations matter.Whether you're planning for retirement, ...
07/14/2026

⭐⭐⭐⭐⭐
�Every financial situation is different, which is why conversations matter.

Whether you're planning for retirement, thinking through tax strategies, or simply looking for a second opinion, having a personalized plan can make all the difference.

Thank you for taking the time to share your experience and for trusting us to help you navigate some important financial decisions. We appreciate the opportunity to be part of the conversation.

📞 Reach out to schedule your conversation today. 919-300-5886 or comment “RETIRE” to start.



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.



07/10/2026

Most people don't realize that in retirement, your income doesn't just affect your taxes. It affects your Medicare premiums too….⬇️

Higher taxable income triggers IRMAA —> a Medicare surcharge that raises your premiums. To cover those premiums, you pull more from your accounts. But those withdrawals are taxable. Which raises your income. Which raises your premiums again.

The dominoes fall in the wrong order fast.

At Richon Planning, tax planning and healthcare costs are built into your retirement strategy from day one, not figured out later on afterwards.

Watch the full video to see how to keep those dominoes falling in your favor.

Questions? Call or text us at 919-300-5886 or visit richonplanning.com 📲📲



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: Ethereal Glow
Musician: Kairo Vibe
⬇️⬇️⬇️⬇️⬇️

07/08/2026

Putting money into a Roth IRA and actually investing it are two different things. A lot of people only do the first one.

Peter reacted to a woman running four businesses at once. Vending machines, content creation, and two Airbnbs out of her own house. And in the middle of all that, she is funding her Roth IRA and actually moving the money, not letting it sit.

That last part is what makes it work.

Here is where people get tripped up. They open the account. They make the contribution. They feel good about it. Then the money just sits in cash for years, barely growing.

A Roth IRA is a container, not an investment. Earned income gets you in the door, that is the requirement to contribute at all. But once the money is in there, you still have to put it to work. Pick the investments. Have a plan for how it actually grows.

She is doing both. That is why Peter is so proud of her, and that is the entire point.

So when is the last time you checked whether your Roth money is invested, or just sitting there?

Someday starts today.

Markets don't move in a straight line, and neither should your emotions.📈The S&P 500 gained more than 14% in the second ...
07/08/2026

Markets don't move in a straight line, and neither should your emotions.📈

The S&P 500 gained more than 14% in the second quarter, yet investor sentiment remains in the "fear" zone. It's a reminder that headlines and emotions don't always reflect what's happening in the market.

As we look ahead, keep an eye on major market events, economic data, and new technology companies entering the public markets. More importantly, stay focused on the long-term plan rather than the short-term noise.

If recent market headlines have you questioning your investment strategy, give Richon Planning a call at 919-300-5886. We'd be happy to help you build a plan that keeps your long-term goals at the center.📲


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.



Knowing our clients feel confident in the guidance they receive means everything to us.At Richon Planning & as a Ramsey ...
07/07/2026

Knowing our clients feel confident in the guidance they receive means everything to us.

At Richon Planning & as a Ramsey SmartVestor in the area, we're committed to providing education, transparency, and retirement strategies designed around your goals, not someone else's.

Reach out today at 919-300-5886 to start building your Optimized Retirement 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.



🏆 Raleigh's Best 2026 Voting is officially underway!We're honored to be nominated in the Wealth Management category and ...
07/06/2026

🏆 Raleigh's Best 2026 Voting is officially underway!

We're honored to be nominated in the Wealth Management category and grateful for the opportunity to be recognized alongside so many outstanding local businesses.

If Richon Planning has made a positive impact on your financial journey, we would truly appreciate your vote.

🗳️ You can vote once per day through the end of the voting period. Simply scan the QR code or use the link in our bio, select Financial → Wealth Management → Richon Planning, and be sure to submit your ballot.

Thank you for your continued support and for being part of our journey.

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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