Cornerstone Retirement Partners

Markets can fluctuate wildly and unpredictably. Your need for income generally is not so flexible. If income is generated from market-based investments, carefully consider how market losses may equate to income reduction and dependability. Contact Ron Courser, CFP® to make sure your plan addresses Market Volatility and Risk in Retirement (616) 301-2581, or visit the website at https://www.cornerst...

Reliable streams of retirement income will vanish when a spouse passes away. Social Security and pensions are subject to survivorship implications that may not be felt for decades. Consider the spousal consequences of timing and starting income. Decisions early in retirement may have consequences on your spouse even after your own life expectancy. Contact Ron Courser, CFP® to make sure your plan a...

As people age, their healthcare needs and costs tend to increase. Chronic conditions and age-related health issues become more prevalent, requiring ongoing medical attention, medications, and treatments. The cost of managing these conditions can be substantial, especially when considering long-term care needs such as nursing homes or assisted living facilities. If you need assistance with planning...

In this edition of "Your Course To Retirement", Ron Courser, CFP® discusses withdrawal rate risk. Withdrawal rate risk means that your retirement lifestyle could be jeopardized in later years because of an unsustainable income rate early on. A written plan addresses the potential that an individual's retirement portfolio will be depleted too quickly due to withdrawing too much money in the early y...

Tune into this 9 Part Series of "9 Critical Risks In Retirement" with Ron Courser, CFP® on " Your Course To Retirement" . In Part Two of 9 Critical Risks In Retirement Ron Courser, CFP® discusses "legislative risk", meaning what changes can Congress implement to reach further into your pockets? Ron discusses RMDs, when you have to take Required Minimum Distributions out of your retirement accounts...

Tune in for part one in our series covering critical risks as Ron Courser, CFP® discusses #SequenceRisk: one of the 9 major risks in retirement. Sequence Risk is the potential for unlucky retirement timing and withdrawing funds in a down market. Sequence Risk can damage an investor's return, as well as overall retirement outlook and confidence. If you withdraw too much, especially in declining mar...

In this episode of Your Course to Retirement, we have a surprise guest #TomHegna that is joining us. The author of multiple books including "Don't Worry Retire Happy" and "Pay Checks and Play Checks", #TomHegna joins us to discuss the income planning piece of retirement and how simple it can be when broken down. We hope you enjoy this special edition to Your Course to Retirement. Give #RonCourser,...

Ron Courser, CFP® and the team at Cornerstone Retirement Partners provide guidance on Social Security issues and solutions for your retirement. Ron helps clients navigate the complexities of Social Security benefits to optimize income and retirement confidence. In this video, Ron shares his insights on common Social Security challenges and offers practical solutions to help you maximize your benef...

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 abou...

On this episode of "Your Course To Retirement", Ron Courser, CFP® discusses annuities and how they can help you keep sustainable income flowing through retirement. Annuities are simply one financial option, with specific features that can be attractive for generating predictable income in retirement. For more information give Ron Courser, CFP® a call at (616) 301-2581.

Ron Courser, CFP® discusses the differences between individual bonds and bond funds, and the importance of considering the purpose of the investment, the probability of getting the principal back, and the tax implications of your investment options. For more information call Cornerstone Retirement Partners at (616) 301-2581 or online at  www.cornerstone-rp.com

Ron Courser, CFP® discussed the current tax environment and how it is an opportunity to take advantage of lower taxes, strategies such as taking money out of an IRA and converting it to a Roth IRA, as well as looking at investments in taxable accounts and how to reduce the tax burden. Ron also discussed the importance of talking to a tax preparer or CPA to understand the implications of any tax st...

Planning for retirement has become difficult. If you don't have all the correct pieces in place and in order you may end up back at work, or worse. Ron Courser, CFP® discusses how retirement planning is simplified and lifestyle can be stabilized by putting the right kind of plan in place. No matter what, the government is always going to want their fair share of your work and hard earned money. Ma...

Sometimes it can seem like we hate paying taxes more than we like making money.  Ron Courser, CFP® shares a personal story from which he and his mother were discussing the tax implications of investment account returns. We hope you enjoy this edition of "Ron Shares" on "Your Course To Retirement".

On this week's edition of "Your Course To Retirement", Ron Courser, CFP® discusses common mistakes savers and investors may encounter while planning. Not paying attention to BIG changes, like the new SECURE Act 2.0 laws, is a huge mistake that can have significant impacts in your planning. To keep up with the latest financial news and extra financial tips subscribe to the "Cornerstone Retirement P...

The new Omnibus Spending Bill includes language that changes your retirement plan options, known as the SECURE Act 2.0. Ron Courser, CFP® highlights several of the big changes that you will need to know for effective planning and to make the most of your investment opportunities.

This episode of Your Course To Retirement discusses how the new Secure Act 2.0 interacts with saver's 401Ks, and weighs the scope, changes, advantages, and disadvantages of new legislation. Ron Courser, CFP® also discusses how Cornerstone Retirement Partners takes legislative risk and law changes into account when planning for their client's. The new SECURE Act 2.0 represents big changes. Make sur...

Here in Michigan, the change and difference in seasons is pretty stark. Preparing for winter is strategic and certain things must be done ahead of time, while the weather is good. "Do I have enough fire wood to would last?" "Is the heat maintained and working?" "Do we have a backup generator in case the power goes out?" "When is the last time I fired up the snowblower?" This preparation can be a g...

A financial "silver lining" for 2023 is that after 2022, there is little doubt we will be more cautious and attentive with our planning, especially with the ranging market volatility. This year will have a few good distinct and specific benefits, such as Social Security going up over 8% and Medicare premiums declining. One of the biggest topics that includes many more silver linings would be the r...

The passing of the SECURE Act 2.0 has big implications on your retirement, and not many people know about it. Ron Courser, CFP® will discuss many details on these new retirement laws in the coming months and address the advantages and disadvantages of the  SECURE Act 2.0. With all the changes, make sure to review your plan and make sure it is up to date. We hope y'all enjoyed another episode from...

Tune in as Ron Courser, CFP® discusses the "10 Steps To Prepare For Retirement", and how they can help you get to the retirement you deserve. Visit Cornerstone-rp.com and contact Cornerstone Retirement Partners at (616) 301-2581. We hope you enjoy another edition of Your Course To Retirement.

The "10 Steps" is a simple overview of the most important items to address in planning for a confident retirement. Tune in as Ron Courser, CFP® discusses these "10 Steps" and why addressing each will improve retirement confidence. We hope you find this edition of Your Course To Retirement helpful and informative.

Do you know how long you would be able to generate the income you need if your paycheck stopped today? Have you identified and calculated your retirement Income Gap? These are just two of the 12 must answer questions from Ron Courser, CFP® to know if you are really prepared for retirement. Contact Ron Courser, CFP® at (616) 301-2581 or visit the website at Cornerstone-rp.com to request the "Are Yo...

One of the time-tested, proven financial fundamentals is ongoing portfolio rebalancing. Rebalancing can be regular, strategic, and tactical. Rebalancing routinely helps to better achieve several critical financial goals: 1) Keep your risk in line with your risk tolerance, 2) Capture gains along the way, and 3) Keep your portfolio in line with changes and evolutions in your life and along your time...

2022 has been a difficult financial and economic year, especially for retirees but, are there some silver linings to the market volatility and inflation? Ron Courser, CFP® discusses the potential silver linings for seniors this year's challenges have created for seniors looking into the year ahead.