Cornerstone Retirement Partners

Cornerstone Retirement Partners

Cornerstone Retirement Partners has operated as an independent financial advisory and Medicare firm for over 20 years. On our staff, we have professional financial advisors and Medicare specialists who cross train in a variety of retirement planning specialties. We assist working people with the process of retiring - helping them sign up for Medicare, Social Security, creating income plans from the wealth they have accumulated. We also coordinate with elder law attorneys to help retirees transition their wealth to their spouse or children while qualifying for Medicaid. We recognize that as investment fiduciaries, we are required to act in the best interest of our clients. That's why we take care of all aspects of retirement - not just your 401k.

Episodes

February 10, 2024 13 mins

Are you wondering about the financial requirements for retirement? Join us in this insightful program where we'll dive deep into understanding your retirement number. We'll explore practical methods for calculating it, the significance of adopting an Income Allocation strategy to tackle this challenge, and the specific risks it can mitigate. Additionally, we'll outline key considerations for structuring the Income Allocation portio...

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🤔 Curious about 401(k)s? 🧐 Explore the ins and outs with Ron Courser, CFP® from Cornerstone Retirement Partners, the good, the not-so-good, and everything in between. Get insights for smarter financial moves. No fluff, just real talk. Dive in and navigate the 401(k) landscape with us 🚀! Contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

 

#401kExplained #FinancialInsights...

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January 27, 2024 11 mins

🤔 Curious about 401(k)s? 🧐 Explore the ins and outs with Ron Courser, CFP® from Cornerstone Retirement Partners, the good, the not-so-good, and everything in between. Get insights for smarter financial moves. No fluff, just real talk. Dive in and navigate the 401(k) landscape with us 🚀! Contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/. #401kExplained #FinancialInsights #RetirementTal...

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January 20, 2024 11 mins

🔍 Explore the path to a secure financial future with our Retirement Planning insights! Delve into the realms of Income Planning, designed to provide lifelong expense coverage. Discover Investment Planning strategies that align with your goals, control volatility, and optimize portfolios. Gain clarity in Tax Planning to minimize liabilities and enhance efficiency. Our Health Care Planning addresses the intricacies of Medicare and L...

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January 13, 2024 10 mins

Often times we hear about “The Year In Review”, looking back at major events that have happened in the prior year. In our personal financial lives, this is also what we do during tax preparation. Filing taxes is literally putting together a personal “Financial Year In Review”, but we are planners. This is a show about planning. Planning is about looking forward and being proactive, not looking back, being historical, or being react...

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December 30, 2023 26 mins

As you look forward to the approaching new year, ready to chart your course for 2024, the prospect of setting financial goals may be on your mind. Perhaps you're aiming to eliminate lingering student loans by the next holiday season or contemplating strategies to enhance your retirement plan. Unlike the transient nature of many New Year's resolutions, effective goal-setting requires careful consideration.

Research indicates that th...

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’Tis the season for thinking of family and friends, for gifting, giving, and generosity. For the holidays, we generally think of bows and packages in wrapping paper. Of course, these gifts cost money and we should try to be responsible with the way we spend throughout the holidays. On a larger scale, we should also consider our ongoing financial impact through gifting and giving strategies to family, as well as any outside gifts, g...

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You have always first and foremost had an income plan. When you set your alarm so that you get up to show up for work, put in your time and sweat equity to perform your tasks, and trade that time for money, that is your income plan. You plan to repeat that routine overtime to earn a living, manage your bills, and to support your ability to save for retirement. That is an income plan! The INCOME PLAN is what supports your lifestyle ...

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There is no doubt this year has had its twists and turns especially for the market, and let's not even get into the personal and even global issues for financial progress. This year has had a host of challenges but, so will next year and the year after that. Tune into today's episode as Ron Courser, CFP® wraps up this year, gives insight on what may be coming as we look towards next year, and discusses how Cornerstone Retirement Pa...

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October 28, 2023 21 mins

 Are you ready to take the plunge into retirement and embark on a new phase of life? Meet Ron Courser, CFP®, your trusted partner in navigating the complex course through retirement planning. With his years of experience and expertise, Ron can help you address the six core issues that are crucial for a successful retirement journey. Don't wait to secure your retirement future. Contact Ron Courser today at (616) 301-2581 or visit hi...

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One of the best opportunities to prepare assets for retirement occurs when we have the opportunity to access retirement accounts at 591/2. First, at age 591/2 you have the ability to pull from retirement accounts without the additional 10% penalty. If you need income to support yourself, this is the traditional milestone that allows you to utilize tax-deferred accounts like 401(k)’s and IRA’s. Additionally, more and more employer s...

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5 Common #FinancialMistakes - Retirement involves the delicate task of both growing your savings for the future and managing your current income for your #retirementexpenses. While there is no foolproof method for achieving this balance, there are recommended practices that can be followed to minimize common mistakes. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit t...

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Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Your Course To Retirement", Ron Courser, CFP® identifies the three largest expenses that can drain your wallet and derail your financial goals. He shares insights on how to minimize these expenses and take control of your finances. To connect with Ron and learn more about his financial planning services, ...

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August 26, 2023 16 mins

What are annuities? What do they do? What do they not do well? Why do they seem to have a negative reputation? How do they function? What role can they play in comprehensive retirement planning? On this program, we will examine annuities. There are pro’s, con’s, benefits, disadvantages, and specific features to understand. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or vi...

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Taxes are the biggest expense between making money and keeping it, so taxes should be managed proactively too. On this episode, we will discuss Roth strategies as a means of controlling the expense of taxation on your wealth and discuss some specifics on the opportunity to take advantage and maximize your Roth balance. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit ...

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In this episode, you can see what an average rate of return can do to an investment portfolio through the example graphics on the screen. Ron Courser, CFP®, explains and discusses the reasons behind potential issues that could arise if you stick with an average rate of return. However, there are indeed other alternatives instead of adhering to a singular outcome throughout retirement. This is because prices are not always going to ...

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Tune in as Ron Courser discusses the difference between an #InvestmentPlan and an #IncomePlan. Ron Courser is a Certified Financial Planning professional with years of experience assisting proactive savers and investors structure plans to achieve their goals. Ron Courser, CFP® understands the risks, issues, and opportunities in retirement. For information, contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-...

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Tune in as Ron Courser discusses the difference between an #InvestmentPlan and an #IncomePlan. Ron Courser is a Certified Financial Planning professional with years of experience assisting proactive savers and investors structure plans to achieve their goals. Ron Courser, CFP® understands the risks, issues, and opportunities in retirement. For information, contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-...

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Of the six stealth taxes, all but one has been in existence for several years. Two of the stealth taxes are difficult to avoid due to their low-income threshold. While most of these stealth taxes may not kick in until retirement, planning for each stealth tax should begin several years before a federal employee retires and continues throughout his or her retirement. For more information contact Ron Courser at (616) 301-2581 and vis...

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We have been taught that taking risks is a necessary part of making financial progress. Why? What is risk? How much you should be taking? How can risk be identified or quantified? What are the benefits, payoffs, potential drawbacks or dangers, and what is the true necessity of taking risk? We will discuss...risk, safe money strategies, pros and cons, striking a proper balance of risk and safety, and managing market volatility. For ...

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