Our Approach

Cornerstone financial advisors have “best in class” tools and processes to help their clients with financial and retirement planning.

We know security, independence, peace of mind, and enjoyment are pivotal values our clients seek in living life to the fullest.

Our financial planning knowledge and expertise, along with “best in class” industry products, tools, and resources, inform the creation of holistic financial, retirement, and legacy plans—plans that reflect an understanding of the needs, values, and goals of the clients we serve.

In partnership with our clients, we use our Six Step Financial Planning Process to inform and guide the creation and yearly review of these plans.

Get Acquainted

  • Share goals, expectations, and dreams

“What If” Worksheet

  • Assess and model various life scenarios to aid in the plan development

Plan Development

  • Create a plan that eliminates, reduces, or postpones taxes while increasing one’s savings and mitigating risks

Plan Implementation

  • Execute the plan

Other Considerations

Estate Planning

  • Identify current and anticipated net worth
  • Analyze social security strategies and determine when it’s best to take the benefit
  • Learn how wealth passes from one generation to the next
  • Share one’s desired financial legacy and identify strategies to optimize
  • Identify and implement strategies to help reduce any tax burden

Retirement Income Planning

  • Analyze sources and amounts of income to determine projected sufficiency
  • Analyze existing retirement plan types and provisions for possible redesign or calibration to take advantage of the latest tax code provisions
  • Explore various funding options to potentially match return expectations with risk profile

Risk Management

  • Examine existing plan to determine if it’s still viable or if changes should be made
  • Analyze business entity structures, how property is held, and insurance coverages, etc. for potential change recommendations

Savings and Investment Growth

  • Examine ways to increase savings and investments while minimizing risks
  • Lower impact from taxes
  • Examine compliance of portfolio to risk profile

Yearly Plan Review

  • Informed by data, monitor plan performance, revisit plan assumptions, evaluate additional strategies that may be needed to mitigate risk, optimize the plan, and monitor its success