Why Retirement
Planning Is Important

As a firm known for “telling it to you straight,” here’s why retirement planning is important. First, we believe that if you fail to plan, then you plan to fail. Of course, we want you to have success, especially when it comes to your money. That’s why we focus first on helping our clients protect their assets. Secondly, we have a fiduciary duty to put our client’s needs first. That’s not just something we say; it’s something we do. In addition, we believe in providing clients service with a smile every day.

Here are some ways we help retirees feel confident about their financial future:

  1. Strategies for protecting your assets (even if the stock market goes down)
  2. Looking at ways to achieve a reasonable rate of return
  3. Education on why retirement planning is important (keeping it simple)

Why Cornerstone Financial?

The truth is: we get downright excited about helping people. Using our retirement analysis, we can provide you with a report on different options for your situation. First, you have to know where you are now. Is your money working for you? Do you have a portion of it protected? Through our review, we can show you these answers and more. Even if you don’t end up working with us, we are here to educate you on your options. In fact, our individual sessions cover potential risks, possible tax issues, and future planning concerns. We’re not here to sell you; we’re here to serve you.

At our educational seminars, you can get the information you need to make solid retirement decisions. At these events, you can ask questions and discover little-known facts about the financial industry. (Such as how those “management fees” work.) Cornerstone Wealth and Tax Advisory Group wants you to reach your retirement goals. Reach out today to find out how we can help.

Our Core Values

SAfety First, A reasonable Rate of return & Keep it simple

Can You Actually Retire "Safely"?

It's a big fear for many people: will I run out of money in retirement? One way to make sure your money lasts is to have a strategy for safety. At least a portion of your money should have protection from stock market drops. Once you are close to (or, in!) retirement, finding ways to protect your principal might be important to you, as well. This is especially true as we age. For example, you may want to have a strategy to progressively protect your money through the years. Truthfully, many retirees can actually retire "safely" when it comes to protecting their money. We believe in safety before potential growth as a long-term retirement strategy.

Potential Return Rate In Retirement

So, do you have to choose between protection and growth? Thankfully, the answer is "no." You can, in fact, have both. For instance, some life insurance policy types and certain annuities can help. Fixed index annuities and certain max cash value life insurance plans offer reasonable rates of return. Also, they can provide protection of your money. In addition, depending on your risk tolerance, you may also have other possibilities. Our team can help guide you by looking at your goals and current plan. Indeed, you can have a balance between potential earnings and protection of your principal.

We Like
Things Simple

Just because finances can be complicated, doesn't mean your retirement has to be. The complex way isn't necessarily a better way. In fact, keeping things simple helps give retirees reassurance. When you understand how something works, things get easier. Of course, you are the ultimate decision-maker when it comes to your retirement. So, ask questions, get informed, and meet with us. We can review your financial situation and plan. Of course, we're here to help you make a favorable retirement path for yourself.

Maybe you want to leave money behind for your loved ones when you’re gone. Or, you have concerns about making your money last. You may want to learn more about your retirement options without feeling pressured. Whatever your financial needs, we are here to help. Our client’s interests come first. Reach out to begin planning an even better retirement future. 

retirement planning California
Doug Clancy Cornerstone Wealth and Tax

Numbers Speak

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Yearly Educational Events
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Years of Experience
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