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Is our hourly financial planning service right for you?
Ask yourself the following questions:
What are my advisor's credentials? Experience?
How is my financial advisor compensated?
Is my advisor really analyzing what is being recommended?
Am I treated differently when I have less to invest?
Is my advisor representing a line of products rather than my needs?
Some examples of our services:
Account review
We can review your present holdings and provide equity, mutual fund or bond analysis on the individual securities as well as the portfolio as a whole. Upon this review, we will provide specific recommendations to more properly align your account with your goals and risk.
Expense reduction
We worked with a client who had a $70,000 retirement account invested in mutual funds that cost in excess of $1300 per year -- over 1.9%. We provided alternate recommendations that reduced her annual expenses to less than $170. Over the long term, she will save over 1.6% each year. Using recent returns for the S & P 500, the amount patiently saved over fifteen years is staggering - over $72,800!
Retirement plan review and advice
We offer professional review and analysis of your 401(k) or other retirement plan options and orient our recommendations towards those sectors of the marketplace most likely to outperform in the intermediate term. Often, participants in these plans simply select the funds that have done the best recently or rely on a co-worker to provide advice; we offer an alternative customized to your needs.
If you invest even $100 per month through these plans, it is critical that you have professional analysis done on your behalf before selecting options.
Also, if you have worked with multiple employers, we can help you consolidate your retirement accounts into one account providing a much broader (and less expensive) range of options. This simplifies your life and provides the opportunity for enhanced returns over time.
Retirement scenario analysis
We provide a review of your current savings and estimate your needs in the future to determine what changes need to be made today to ensure that you have a comfortable retirement rather than a worrisome one. Remember, we conduct our analysis on your behalf for your information, not in an attempt to sell you anything. Our only product is advice to our clients.
Cornerstone Investment Management & Consulting, LLC, 713 Belrose Avenue, Daphne, AL 36526. Fee only investment management, hourly financial advice or planning.
Cornerstone is a Registered Investment Advisor (RIA) with the U.S. Securities and Exchange Commission (SEC) and based on the Eastern Shore of Mobile Bay in Daphne, Alabama.
For more information about our firm or to receive a copy of our disclosure form ADV, please email us at advrequest@csimac.com or call 251-626-6292.
Customized Analysis. Experienced Advice.
Investwithcornerstone.com
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