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Retirement Planning

If you received a retirement package from your employer tomorrow, do you know whether you would be able to accept it and enjoy the retirement lifestyle you envision?  Do you know when you will be able to retire?  Or how much you need to save annually to be able to enjoy a comfortable retirement?  What rate of return do you need to generate with your investment portfolio to enable you to achieve your retirement goals?  And what asset allocation (mix of stocks, bonds, cash, and other investments) in your investment portfolio will give you a high probability of achieving your retirement goals?  These are some of the questions that Cornerstone can help you answer with our retirement planning services.


Beginning with your current net worth and investment portfolio, Cornerstone can project your financial situation into the future using realistic assumptions to answer these questions and other questions you may have about your retirement plans.  We can also adjust these assumptions and other variables to determine how sensitive your retirement plans are to each of these factors.  This process will help you evaluate your options and make choices that will empower you to reach your retirement dreams.


Cornerstone can also help you maximize your retirement savings by providing answers to the following common questions:

  • Is it better for me to save money in my company’s 401(k) plan or contribute to a Roth IRA?
  • My company now offers a Roth 401(k) plan.  Am I better off investing in the new Roth 401(k) plan or the existing 401(k) plan?
  • Should I convert my Traditional IRA to a Roth IRA?  If yes, what is the best strategy to follow when converting my Traditional IRA to a Roth IRA?
  • I am self-employed.  Which type of retirement plan should I establish and contribute to – a SEP-IRA, SIMPLE-IRA, Individual 401(k), Profit Sharing Plan, or a Defined Benefit Plan?
  • I am contributing the maximum amount to my company’s retirement plan each year.  Should I purchase a tax-deferred annuity with my additional savings or invest in a taxable investment account?