The Financial Planning Strategies We Offer
Lifetime Retirement Income
You should have the assurance that your base income will be deposited in your account, regardless of any external factors, including volatile market conditions. At Cornerstone Retirement Group, we can help you create a financial strategy, which may include using insurance and annuities for a portion of your assets, where you won’t have to reduce your income or change your lifestyle because the markets had a bad year.
As you move into retirement, your goals begin to shift from growth and accumulation to preservation and income. Our job is to help you protect your assets regardless of market conditions. This doesn’t mean that you have to sacrifice all of your growth opportunities. We utilize a conservative management approach that aims to protect your principal while still taking advantage of the market swings, both good and bad. We strive to protect what you have and build on it!
Tax Reduction Strategies
One of the more common mistakes that people make is paying tax on income they earned but did not spend. Retirees often waste a significant amount every year to unnecessary taxation. We recognize that your retirement funds (IRAs, 401(k)s, 403(b)s, etc.) represent a significant tax challenge, and we strive to help you keep more of those dollars. We utilize a number of strategies that aim to significantly reduce your tax burden.
Addressing Health Care Concerns
Even the perfect income plan can be destroyed by a catastrophic illness or Medicaid spend-down. It is not enough to simply develop the proper income and investment plan. You have to protect it from the health care risks that inevitably seem to show up precisely at the wrong times. Additional income sources to help cover these high costs can be laddered into your personalized strategy.
As people reach their retirement age, their thoughts often turn to whom and what matters most to them. By setting up the proper legal documents and making sure they are continuously updated, you can avoid a lot of heartache for your heirs. We believe your retirement strategy should include a legal will, powers of attorney, an estate plan and, potentially, a trust — all of which can help you keep more of your hard-earned money and pass on more of your legacy to your loved ones and/or charity, with potentially less taxes. Cornerstone Retirement Group can refer you to qualified legal advisors to establish these important documents, and then help you select and refine the appropriate asset protection and asset diversification strategies for your financial needs.
Why Work With Us?
We believe working with a financial professional who focuses on retirement income strategizing is vital. With something serious like your health, you often make a point to move past a general practitioner in the event that more specialized care is needed. You worked a lifetime and sacrificed a lot along the way to get where you are today. Why would you treat your money or, more importantly, the next 30 years of your life any differently?
Call Us Today!
At Cornerstone Retirement Group, we use our knowledge and experience to help simplify the planning process. One of the great things about working with our financial planning firm is that we are able to provide you with options for wealth and retirement planning solutions. Often, the hardest part of the process is simply picking up the phone and making an appointment.
Contact us to schedule your consultation today!
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