Shows
Cornerstone Retirement Blueprint PodcastEp 22: All About Fixed Index AnnuitiesIf you’ve ever wanted to know more about fixed index annuities, today’s show is for you. We have a special guest who explains what they are, why they can help you, and how they offer stability and reliability. TIMESTAMPS: 0:28 – Meet Rebecca 1:05 – Allianz 2:50 – Innovation 6:42 – Index thought capability 9:43 – Volatility-controlled indexes 13:00 – No additional fees MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-06-1617 minCornerstone Retirement Blueprint PodcastEp 21: Our In-House Tax Expert Shares Top TipsClients often come to us with tax questions, so we decided to hire a tax advisor last year that is available to our clients year-round. Today he’s sharing his top tax tips with you. TIMESTAMPS: 0:32 – Meet Chris Pepper 3:13 – Tax preparation process 5:19 – Chris’ work history 7:08 – Tax returns 7:57 – What to bring 8:59 – Changing tax laws 10:30 – Withholdings 13:00 – Client questions 14:33 – Capital gains 18:10 – Write-offs 20:05 – Side businesses MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-06-0222 minCornerstone Retirement Blueprint PodcastEp 20: How to Prepare for MedicareMedicare typically begins at age 65, but you need to know how it works long before then. On today’s show, we’re talking with our in-house Medicare specialist about all the things you need to know about this important topic. TIMESTAMPS: 0:33 – Meet Julie Kovacevich 1:58 – How to qualify 3:15 – Parts A, B and D 4:52 – Deductions 6:59 – Medicare plans 10:09 – Choosing your doctor 11:20 – How to enroll 14:30 – Saving money on prescriptions 17:44 – Medicare commercials 18:55 – When to sign up? 20:42 – Review Medicare? MORE INFORMATION: ...2022-05-1924 min
Cornerstone Retirement Blueprint PodcastEp 20: All About the Self-Storage Real Estate MarketAt Cornerstone, we have a lot of different services to help clients with investing. Today we’re talking about investment planning and the self-storage real estate market. Our guest is Rigo Medina, Senior Regional Vice President at Pacific Oak Capital Markets. TIMESTAMPS: 2:40 – Rigo’s background 3:54 – Self-storage portfolio 5:23 – Institutional and retail investors 9:02 – Big box companies vs. mom and pop 14:05 – Lifestyle changes Connect with our guest: https://www.linkedin.com/in/rigo-medina-65406747/ MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-05-1319 min
Cornerstone Retirement Blueprint PodcastEp 19: Common Misconceptions About Long-Term CareWe get so many questions from clients about long-term care options we decided to have a long-term care expert on today’s show. She’ll share some common misconceptions and what you need to know about your future care plans. TIMESTAMPS: 1:33 – It won’t happen to me 4:18 – My family will take care of me 7:01 – When to start planning 8:32 – Different types of long-term care 9:38 – Alternative plans 15:45 – Big news out of Washington state 20:09 – Asset-based long-term care MORE INFORMATION: https://www.cornersto...2022-04-2128 min
Cornerstone Retirement Blueprint PodcastEp 18: How an IRA Trust Trilogy Can Benefit Your FamilyIf you want more of your hard-earned money to go into your family’s pockets instead of to the IRS, today’s show is for you. We’ll explain why you should try an IRA Trust Trilogy. TIMESTAMPS: 0:28 – IRA trust trilogy 1:45 – Stretch IRAs 3:46 – SECURE Act 4:55 – Three trusts 6:26 – Taxes are due 6:56 – Special needs children 9:23 – Giving children more income 13:45 – A lifetime strategy 15:09 – A sacred asset MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-04-0717 min
Cornerstone Retirement Blueprint PodcastEp 17: Is a Charitable Remainder Trust Right for You?Today we’re talking about a topic that clients ask us about a lot – what is a charitable remainder trust? How does it work? How can it benefit you? We’ll share the answers in today’s show. TIMESTAMPS: 0:41 – What is a charitable remainder trust? 2:25 – Difference between donor-advised fund 3:02 – How it works 6:30 – Capital gains taxes 7:45 – Selling a business 10:19 – Tax benefits 13:52 – Leaving money to children 17:00 – Leaving 10% MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-03-1722 min
Cornerstone Retirement Blueprint PodcastEp 16: Have You Used This Charitable Planning Technique?Today we’re talking about a donor-advised fund. Find out how this niche charitable planning technique has helped some of our clients and could help you, too. TIMESTAMPS: 1:27 – Donor-advised fund 4:15 – Bunching 7:42 – Why use this technique 8:40 – Super bunching 10:30 – Growth 11:42 – Highly appreciated assets MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-03-0317 min
Cornerstone Retirement Blueprint PodcastEp 15: Estate Planning Expert Explains Wills vs. Trusts and MoreWhat is the difference between a will and a trust? Find out on the difference on today’s episode as well as the importance of an estate planning attorney. TIMESTAMPS: 0:35 – Meet Jeremy 2:06 – Focusing on estate planning 2:55 – Will vs. trust 4:00 – Levels of probate 5:21 – Higher net worth 10:40 – Asset protection trusts 14:30 – LLC vs. Series LLC MORE INFORMATION: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/2022-02-1019 min
Cornerstone Retirement Blueprint PodcastEp 14: Investment Expert Says to Hunker Down in 2022Today, we’re joined by one of our core partners, Tony Parish, who is the chief investment officer for Alphastar Capital Management. Hear his thoughts on investing in 2022 and why he suggests hunkering down. TIMESTAMPS: 1:00 – Outlook for 2022 5:02 – Interest rates and inflation 7:07 – Raising interest rates 9:22 – How will 2022 play out? 11:48 – Don’t sell out of investments 12:40 – Dealing with emotions 15:08 – Clients looking for alternatives 17:09 – Moving to cash 20:25 – BetaShield vs. S&P 24:39 – Fees MORE INFORMATION: https://www.cornerstonevegas...2022-02-0328 min
Cornerstone Retirement Blueprint PodcastEp 13: 'Paychecks and Playchecks' Author Shares Top Retirement TipsEconomist, author, and retirement expert Tom Hegna joins us to share his expertise on handling finances and preparing for retirement. Find out how he helps people solve complex financial problems using easy-to-understand words. Read more and get additional financial resources here: https://www.cornerstonevegas.com/ep-13-paychecks-and-playchecks-author-shares-top-retirement-tips/ About our guest: https://tomhegna.com/ What we discuss on this episode: 1:27 – Meet Tom 3:34 – Books 5:01 – Fixed expenses 6:03 – Transition to another paycheck 8:31 – Income 11:03 – Guaranteed sources of income 13:11 – Don’t Worry, Retire...2021-07-1628 minCornerstone Retirement Blueprint PodcastEp 12: Are You Ready to Retire?The goal for all of us is to be able to retire at some point, but how do you know when you’re ready? Let’s take away some of that worry and concern by sharing the different types of people we work with and what it takes to get them to retirement. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:50 – Why this topic today? 1:13 – A lot of people reach retirement age but say they don’t want to retire. Why is this? 3:14 – When someone’s mind doesn’t...2020-06-2918 minCornerstone Retirement Blueprint PodcastEp 11: Annuities – What You Really Need to KnowThere’s a lot of confusion out there about annuities, probably because there are different types of annuities that do different things. So we’ll give you each of these types of annuities, you explain how they work and how they might be used in someone’s financial plan… Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:36 – We’re taking precautions in the office as things begin opening back up. 1:29 – Why annuities cause some confusion. 2:44 – We see people who are overloaded in annuities, which is a problem. 2020-06-2927 minCornerstone Retirement Blueprint PodcastEp 10: Busting the Biggest Social Security MythsSocial Security isn’t a topic that clients are well-versed in when we first meet them, but it’s a critical component to the income planning portion of your retirement. Many factors weigh into the claiming strategy and we want to clear up many of the common misbeliefs that are out there. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:47 – Why we’re talking about this topic today. 1:30 – How much do clients typically know about Social Security? 2:01 – Myth: The SSA is going to help you make the bes...2020-06-2917 minCornerstone Retirement Blueprint PodcastEp 9: The Importance of the Financial Red ZoneRetirement planning is much like football. The closer you get to the endzone, the more important the strategy becomes. Let’s take a look at these crucial planning years and talk about what you need to be doing to avoid a critical turnover. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:36 – Cornerstone got out and had a company party. 1:36 – What is the financial red zone and why is it important? 3:39 – What are some of the common mistakes that people make? 7:08 – Asset-based long-term care 7:58 – A...2020-06-2921 minCornerstone Retirement Blueprint PodcastEp 8: Understanding the 3 Worlds of MoneyWhen it comes to investing, there are three primary places to contribute your money based on your goals and your risk tolerance. We call these the three worlds of money and today we’ll break down each of them for you. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:48 – Why we’re talking about the three worlds of money. 1:28 – Here are the three worlds. 2:27 – World 1: Banking – what are the best uses? 4:45 – What we call ‘Dry Powder’ 6:08 – The pros and cons to the banking world. 2020-06-2919 minCornerstone Retirement Blueprint PodcastEp 7: How to Find the Right Financial AdvisorThe relationship with a financial advisor is one that you need to feel comfortable with and have trust in. How do you find the right person? A lot of people can do a good job for you but we’ll explain the qualities and characteristics you absolutely need from an advisor. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:58 – Why are we talking about this topic? 1:43 – What kind of services should your advisor be providing you? 4:01 – Is it important that your advisors know many different areas of...2020-06-2921 minCornerstone Retirement Blueprint PodcastEp 6: The Five Pillars – Legacy PlanningOur Cornerstone Retirement Blueprint Process is focused around 5 key pillars of retirement planning designed to help our clients achieve the retirement they have always dreamed of. On this episode, we’ll explain the fifth and final pillar in our process: legacy planning. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 1:16 – Legacy planning is often not even on someone’s radar when planning begins. 2:16 – What does the conversation usually look like with clients? 4:30 – What percentage are interested in leaving a legacy? 5:52 – The basic mistakes we see peopl...2020-06-2920 minCornerstone Retirement Blueprint PodcastEp 5: The Five Pillars – Health Care PlanningOur Cornerstone Retirement Blueprint Process is focused around 5 key pillars of retirement planning designed to help our clients achieve the retirement they have always dreamed of. On this episode, we’ll explain the fourth pillar in our process: healthcare planning. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 1:11 – Let’s start with the elephant in the room. 1:43 – This is why we include this step in our five pillars. 2:36 – How prepared is the average pre-retiree is for handling healthcare costs in retirement? 4:05 – Unexpected healthcare expenses wei...2020-06-2918 minCornerstone Retirement Blueprint PodcastEp 4: The Five Pillars – Tax PlanningOur Cornerstone Retirement Blueprint Process is focused around 5 key pillars of retirement planning designed to help our clients achieve the retirement they have always dreamed of. This episode is all about taxes and how we work with clients to reduce their tax liabilities in retirement. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 1:11 – The difference between tax filing and tax planning. 2:32 – We have to be forward-looking when it comes to taxes. 5:23 – Most people believe their taxes are going to be lower in taxes. 6:58 – Why do w...2020-06-2723 minCornerstone Retirement Blueprint PodcastEp 3: The Five Pillars – Investment PlanningOur Cornerstone Retirement Blueprint Process is focused around 5 key pillars of retirement planning designed to help our clients achieve the retirement they have always dreamed of. On this episode, we’ll explain the second pillar in our process: investment planning. What can you do with the remaining assets after your income plan is in place? Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 1:36 – Once the income plan is established, what do we do with leftover funds? 2:39 – The income plan revolves around 3:22 – Finding tax efficiencies 4:42 –...2020-06-2728 minCornerstone Retirement Blueprint PodcastEp 2: The Five Pillars – Income PlanningOur Cornerstone Retirement Blueprint Process is focused around 5 key pillars of retirement planning designed to help our clients achieve the retirement they have always dreamed of. On this episode, we’re going to elaborate on the income planning process, which is a top priority for your retirement plan. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:55 – If you don’t have an income plan, you don’t have a retirement plan. 1:29 – Clients don’t rely solely on Social Security. 3:08 – What does a client do if they don’t hav...2020-06-2721 minCornerstone Retirement Blueprint PodcastEp 1: Who is Cornerstone & What’s Our MissionAfter years of radio, the Cornerstone Vegas team is joining the podcasting world. Before we get rolling on financial planning conversations, we want to introduce everyone to our business, our history, and our goals for the show. Show Notes, Contact & Resources: https://www.cornerstonevegas.com/cornerstone-retirement-podcast/ Timestamps: 0:42 – COVID has been a challenging from a work standpoint as we shift to virtual. 1:36 – How the company started in 2009. 3:25 – The relationship we’ve created with clients is personal. 4:42 – Why did we go into this profession? 6:44 – Our goal is trans...2020-05-2921 min