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Retirement Planning

You've worked hard your entire adult life. Having a retirement plan
that takes care of you in the later years is your reward.

Be confident you can
handle unexpected
medical expenses

Have enough money
to do the things you
love and live the way
you want

Enjoy your retirement
without being a
burden to your family

Retirement planning is overwhelming
because there is so much uncertainty:

 

  • Will I have enough money to last me?
  • Can I cover all of my medical expenses?
  • How much will I need each month to live?
  • Will I be a burden to my family?
     

 

 

At Cornerstone Wealth Management, our top

priority is ensuring you have the answers you

need to make the right decisions. 


Retirement can be broken into phases:

  • Pre-retirement – up to age 62
  • Early Retirement – ages 62 to 70
  • Middle Retirement – ages 70 to 80
  • Late Retirement – 80 and up


 

It's essential to have a plan for each stage. You deserve a financial planner who understands
you and your retirement objectives as you move from wealth accumulation to retirement
planning and preparation into the distribution of assets.

Pre-Retirement

This information is not intended to be a substitute for specific individualized tax or legal advice. We
suggest that you discuss your specific situation with a qualified tax or legal advisor.

Retirement Planning

If you've worked with a planner before or need advice as you get serious about retirement, we can help refine your plan.

Annual reviews are designed to keep you on track.

Asset Allocation

Many people wonder how much they need and if they're saving enough.

Determining if your investments fit your overall personality and comfort level is a big part of being comfortable during retirement.

Tax Planning

Coordinating with your tax professional, we can help you take advantage of tax strategies that may be useful to you now and in the future.

Estate Planning & Long-Term Care

Partnering with your lawyer (we can recommend one), we'll help make sure that your documents and beneficiary designations are in place

We'll also discuss your long-term care options to ensure you have a plan.

Retirement

This information is not intended to be a substitute for specific individualized tax or legal advice. We
suggest that you discuss your specific situation with a qualified tax or legal advisor.

Retirement Income Plan

Together we'll determine a sustainable and consistent income from your investments incorporating your different sources of income from Social Security, 401k's, and other retirement plans.

Estate & Education Plans

Your plan may evolve as your family blends and changes.  We'll help guide you and coordinate with your lawyer to produce the needed documents. We can also help you set up education funding options for grandchildren.

On-Going Monitoring & Asset Allocation

As you enjoy your retirement, we will continue to monitor and evaluate your assets to balance your risk and growth strategies.

Tax-Efficient Charitable Giving

We'll ensure you're maximizing the IRS benefits available so you can continue contributing to the charities that mean the most to you.

At CWM, every relationship begins with
creating your personalized financial plan

Getting Started is easy:

 

Step 1 – Meet
We begin with learning about you and your financial objectives.

 

Step 2 – Create
Next, we'll develop a plan that's as personalized as your financial goals.

 

Step 3 – Thrive
we do more than Implement your individual plan;
we support you throughout the journey.

Schedule a Complimentary Appointment