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Building The Foundation

For Financial Success ® 

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Building The Foundation

For Financial Success ® 

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It's time to understand what you need from your savings.

A Financial Planning Solution For Investors Seeking Clarity

 At Cornerstone Capital Planning Group we work with investors looking for more accountability from their investment accounts.  Our planning first approach gives you a true understanding of what is needed to meet your financial goals, and will help you align investment decisions with a strategic purpose.

How It Works

A Paradigm Shift For Financial Planning

Investment accounts should be the result of a financial plan, not vice -versa.

Over the past 10 years, we noticed an alarming trend while meeting with investors who were already working with a financial advisor.  There was a consistent disconnect between understanding the difference between owning a portfolio of investments and having a true financial plan.


Somewhere along the way, the term "financial plan" became synonymous with having an investment portfolio.   

This meant that investors erroneously believed they had a plan just because they owned investments.  In actuality, it is quite the opposite.  Investment accounts should be the result of a plan, not the other way around.


Our approach is simple: We focus on planning before giving investment advice.  First, we analyze your current financial situation in relation to your goals. Next, we build a step-by-step plan to align an investment strategy with your savings timeline.  Finally, we use our OpenSource Investing™ platform to find the investment institutions that offer the solutions that you need.

How We Are Different

1. Removing Conflicts of Interest

Throughout the investment advisory industry there are built-in conflicts of interest between the advisor and the client.  This is due to varying compensation structures and the absence of fiduciary standards for investment advisors. 


At Cornerstone Capital Planning Group, our advisors avoid these conflicts by binding fiduciary responsibility with clients before making any investment recommendations.  

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2. Giving Investments Purpose

Planning first, investments next: Investment strategy should be driven by a specific and numerically measurable end goal.  Age-based portfolios and target date funds set a timeline on your investments,  but are they aligned with the priorities of your investment accounts?


Our personalized online financial planning process is designed to meet your specific needs through direct collaboration with your advisor.  This simple 5-Step approach will  finally give you an investment strategy that has clear cut accountability.  

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3. OpenSource Investing™

No single investment institution has the answer to all of your financial planning problems.  This is why Cornerstone utilizes an open architecture investment platform to find specific opportunities that are right for you. OpenSource Investing ™ gives your advisor the ability to evaluate hundreds of investment companies across multiple industries and design a plan that is truly customized to your financial objectives.

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Financial Planning Built On Innovation™

Through technology integration and video conferencing software, we have created a personal and immersive virtual planning experience that focuses on understanding YOU, before giving investment advice. 

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Online Financial Planning That Maintains The Human Element

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At Cornerstone, You Work Directly With A Real Financial Advisor Who Has A Dedicated Understanding Of Your Financial Goals

Over a decade of time has been spent perfecting an immersive online financial planning experience that is simple to use and offers seamless collaboration between you and your advisor.  With the use of video conferencing, screen-share technology, and an encrypted file exchange, we have maintained the human element of an in person planning meeting, while adding an unprecedented level of convenience.


As a client, your financial advisor is a real person, with a real phone number, and a real email.   They will have a personal understanding of your financial goals and concerns, and you will always have a direct point of contact if you need their advice.

How We Help You Plan

Throughout your life, there will be many factors that can impact your long term financial success.  Our planning first approach takes into account six key areas that are interconnected with your financial goals.  Some categories will be more important to you now than others.  However, at some point each key area should be addressed to achieve a financial plan that is comprehensive in nature.  

1) Current Financial Situation

1) Current Financial Situation

1) Current Financial Situation

Best Online Financial Planner

  • Analyzing your current income, expenses, liabilities and net worth to calculate ample cash reserves.
  • Completing a Planning Checkpoint to understand the status of current financial goals.
  • Building a Corporate Benefit Playbook to optimize your employer sponsored investment plans.

2) Insurance Management

1) Current Financial Situation

1) Current Financial Situation

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  • Reviewing your Financial Foundation to evaluate your insurance needs for life, income protection, and long-term care.
  • Completing an Insurance Audit to evaluate how your existing policies stack up against current opportunities in the marketplace.

3) Wealth Accumulation

1) Current Financial Situation

3) Wealth Accumulation

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  • Creating a Goal Forecast to quantify what is necessary in order to hit your financial goals over time.
  • Completing a Portfolio DeepScan® to evaluate the losses your asset allocation would suffer during a stock market crash.

4) Tax Diversification

4) Tax Diversification

3) Wealth Accumulation

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  • Prioritization of saving by tax category to have a Cash Flow Hierarchy®.
  • Creating an RMD Roadmap® to have more control over Required Minimum Distributions.
  • Building a Business Profit Blueprint to mitigate business taxes by redirecting revenues. 

5) Retirement Planning

4) Tax Diversification

5) Retirement Planning

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  • Setting a firm retirement date and quantifying how much savings will be needed to effectively retire.
  • Consolidating your employer sponsored retirement accounts into one place through a Simple Rollover®. 
  • Building a Resilient Retirement® to have more control over market volatility and its impact on your retirement plan. 

6) Legacy Maximization

4) Tax Diversification

5) Retirement Planning

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  • Protecting wealth from long term care costs, state, and federal estate taxes.
  • Organizing the future distribution of assets through proper estate planning documentation. 
  • Mapping out a multi-generational wealth transfer strategy to create a Lasting Legacy.

How We Are Compensated

Our financial advisors can be compensated in two different ways and this is dependent on the financial planning program you choose. 

Fiduciary Planning

Cornerstone is a comprehensive financial planning firm, which means we build a custom strategy for our clients to achieve specific financial goals.  When we decide to work together our advisors legally become your fiduciary from a financial planning perspective.

Strategy Implementation

OpenSource Investing™ allows us to implement investment strategies for you with institutional partners such as Charles Schwab, Lincoln Financial, Allianz, and countless others.  Since these investment companies have varying fee structures and investment terms we, as the implementing advisor, are compensated depending on the type of investment you choose.  Some investments cost nothing to the investor but may require minimum in investment duration. Others may charge a percentage that is ultimately shared with Cornerstone.  Prior to the strategy implementation phase, we discuss all costs associated with each investment type so that you may make wise and informed decisions. 

Choose The Experience That Is Right For You

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At Cornerstone, our criteria for financial planning is simple.  If you have a financial goal and a current investment account, we have a program for you.  Each virtual financial planning program we offer caters to a different level of investment experience, so that you can choose a planning experience thats fits your level of readiness. 

A Program For Every Type Of Investor

Investment Strategy Review

Comprehensive Financial Planning

Comprehensive Financial Planning

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This program is recommended for

NOVICE INVESTORS


Live Meetings

  • Investment Review




Planning Services

  • Foundation Review
  • Insurance Audit
  • Simple Rollover®
  • OpenSource™ Investment Recommendations


















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Comprehensive Financial Planning

Comprehensive Financial Planning

Comprehensive Financial Planning

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This program is recommended for 

MOST INVESTORS


Live Meetings

  • Financial Planning Review 
  • Analysis Review 
  • Strategy Implementation 


Planning Services

  • Foundation Review
  • Insurance Audit
  • Portfolio DeepScan®
  • Planning Checkpoint
  • Goal Forecast
  • Cashflow Hierarchy® 
  • Resilient Retirement® Plan
  • Simple Rollover®
  • OpenSource™ Investment Recommendations 


Advanced Planning Services

  • Additional Services Available For Add-On Cost



Review Services

  • Semi-Annual Planning Checkpoint
  • Semi-Annual Investment Review Meeting
  • Annual Planning Review


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Fee-Based Financial Planning

Comprehensive Financial Planning

Fee-Based Financial Planning

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This program is recommended for 

EXPERT INVESTORS


Live Meetings

  • Financial Planning Review 
  • Analysis Review 
  • Strategy Session


Planning Services

  • Foundation Review
  • Insurance Audit
  • Portfolio DeepScan®
  • Planning Checkpoint
  • Goal Forecast
  • Cashflow Hierarchy® 
  • Resilient Retirement® Plan


Advanced Planning Services

  • Investment Allocation Modeling
  • RMD Roadmap®
  • Corporate Benefit Playbook
  • Additional Services Available For Add-On Cost


Review Services

  • Quarterly Portfolio DeepScan®
  • Quarterly Planning Checkpoint
  • Quarterly Goal Forecast
  • Semi-Annual Allocation Model Review
  • Annual Planning Review

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Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor
Online Financial Planning Services That Are Clearly Defined

Personalized Planning Services To Take You To New Heights

At Cornerstone Capital Planning Group we have taken the ambiguity out of financial planning.  Our unique analysis and strategy offerings are intentionally crafted to make your online financial planning experience easy to understand and tailored to your needs.

How We Simplify Financial Planning

We have taken ambiguity out financial planning by breaking down the components of a financial plan into twelve specific services.  These services focus on either analyzing your current situation or building strategy towards specific objectives.  Each service can have an impact on its own, but we encourage bundling multiple services together to create a plan that is comprehensive in nature.  

Foundation Review

Planning Checkpoint

Planning Checkpoint

Online Financial Planning | Web Based Financial Advisor

Does your household have a strong financial foundation?  Do you have ample cash reserves, proper insurance coverage, and know what you are paying in investment fees?

 

All financial plans require basic building blocks to be in place in order to plan for long term financial success.  Through our Financial Foundation Review, we evaluate your cash flow to determine if you have ample cash reserves.  Next, we audit existing investment accounts to quantify fees, risk, and historic returns.  Lastly we evaluate your 'everyday risk exposure' to understand any needs for life protection, income protection, and potential long-term health care costs.

Planning Checkpoint

Planning Checkpoint

Planning Checkpoint

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

Do you know if you are currently on pace to hit your financial goals in time?  Do you have a process to check if you are currently on track or off-track for retirement?

 

Through this online financial planning audit, we will show you where  stand in relation to your goals.  A Planning Checkpoint calculates the probability of success for your current financial goals, based off of your timeline, current savings strategy, & existing portfolio allocation.  This will reveal whether you are saving enough for your goals and if your investments are targeting the proper return.

Goal Forecast

Planning Checkpoint

Portfolio DeepScan®

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

Do you know what it will take to hit all of your financial goals? Have you quantified how much to save each year, how much return to target, and the final amount you will need?


A Goal Forecast is all about setting targets and understanding what is necessary from your saving to hit financial goals over a period of time.  Through this online financial planning analysis, we will quantify the final sum required to hit each goal as well as calculate the returns your savings should target each year to stay on track.

Portfolio DeepScan®

Cash Flow Hierarchy®

Portfolio DeepScan®

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

What would happen to your portfolio if the Great Recession of 2008 repeated itself, and how would it impact your goals?

 

Through this online financial planning analysis, we first show you the losses that your asset allocation would suffer during a stock market crash.  Then we calculate 1,000 scenarios of market timing, post market crash, to see if you could still achieve your financial goals.  This analysis will give you an understanding of how resilient your current retirement plan actually is. 

Cash Flow Hierarchy®

Cash Flow Hierarchy®

Cash Flow Hierarchy®

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

From a tax standpoint, why do you save where you save?  What if diversifying your taxes now could create more after-tax income for retirement?


Mathematically speaking, money grows more effectively depending on how it is tax categorized. This online financial planning analysis will help you diversify your savings by tax categorization to maximize your cash-flow savings plan. Through this process you will gain more control over how future investment distributions impact your tax bracket.  

Insurance Audit

Cash Flow Hierarchy®

Cash Flow Hierarchy®

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

Are your annuity & insurance policies expensive & out dated?   When was the last time you took a hard look at what you have in place?


The insurance and annuity landscape changes every year due to mortality tables, market volatility, and interest rates.  Through this online financial planning analysis we can vet the marketplace to see how your existing products stack up against the current opportunities. 

Resilient Retirement®

Corporate Benefit Playbook

Resilient Retirement®

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

Does your retirement plan have contingencies in place to account for a stock market crash?  If the market crashed tomorrow, could you still retire or stay retired?

 

A retirement plan that would not survive a market crash is lacking investment resilience.  Through this online financial planning process, we will build you a retirement plan that has a contingency strategy for market downturns.  A Resilient Retirement® is built to give you more control over the uncontrollable, so that regardless of market volatility, your confidence in retirement stays resolute. 

Simple Rollover®

Corporate Benefit Playbook

Resilient Retirement®

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

Do you know if your old employer sponsored retirement plan is aligned with your current financial goals?  What if the investment strategy is no longer appropriate?


A rollover lets you take back ownership of your money, so you can re-align your savings with your retirement timeline. The process of consolidating all those old accounts into one place has never been easier! A Simple Rollover® is an online financial planning tool that will get your money rolling back to you within a few 'clicks.'

Corporate Benefit Playbook

Corporate Benefit Playbook

Corporate Benefit Playbook

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Do you have a strategy in place to maximize your corporate benefits?  How are you leveraging stock incentives, pension plans, or deferred compensation to expedite your goals?

 

As you rise through the corporate ranks, complex opportunities, like deferred compensation and stock incentive plans, become more readily available. Capitalizing on these opportunities is key to achieving your financial goals more effectively.  A Corporate Benefit Playbook will show you how to leverage these benefits in order to maximize the impact on your financial goals.

RMD Roadmap®

Business Profit Blueprint

Corporate Benefit Playbook

Online Financial Planning | Web Based Financial Advisor | Virtual Investment Advisor

Will your Required Minimum Distributions move you into a higher tax bracket? 


 The Required Minimum Distribution percentage from your retirement account increases every year after age 72.  Why? Because the IRS is smart!  An RMD Roadmap™ will help you plan ahead so you can flat line distributions, and enter higher tax brackets, only if you choose to do so.  The earlier you draw your map, the more tax control you will have later.  

Lasting Legacy

Business Profit Blueprint

Business Profit Blueprint

Online Financial Planning | Web Based Financial Advisor

Could your wealth become multi-generational wealth?


Building a Lasting Legacy is how we help you create generational wealth for your loved ones. Mapping out a multi-generational wealth transfer strategy gives you the power to choose how you are remembered.  Whether it is for your grandchildren's college costs,  your favorite non-profit, or anything else, a true Lasting Legacy evaluates safe investments that can turn new money into old money for generations to come. 

Business Profit Blueprint

Business Profit Blueprint

Business Profit Blueprint

Online Financial Planning | Web Based Financial Advisor

Is your business ready to take its financial strategy to the next level?  


Once a business becomes profitable it requires safeguards to be put in place that protect key employees & insure the business plan.  Through this online financial planning analysis, we review your business's revenue to see how it relates to your tax deductible savings, employee plans, & buy/sell agreement.  Then we will build you a playbook that prioritizes your cash-flow to maximize its value.

How Much Does It Cost

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Program #1: Investment Strategy Review

Price: No Cost

Some Investors like to take the planning process one account at time.  Through this program we focus on one specific account and analyze how it is performing in relation to your financial objectives.   

This program is recommended for NOVICE INVESTOR

Schedule An Investment Review
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Program #2: Comprehensive Financial Planning

Price: Starting at $55/month

Most investors prefer a comprehensive look at all accounts, a personalized game plan to achieve their financial goals, and support implementing new strategic investments. Through this program we focus on comprehensive analysis to show where you stand today in relation to your financial objectives.  Then, we help you implement a plan to achieve your goals more efficiently.

This program is recommended for MOST INVESTORS

Schedule A Financial Planning Review
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Program #3: Fee-Based Planning

Price: Starting at $125/month

Some investors prefer to analyze, compare, and implement investment strategies on their own.  Through this program we provide additional context for those investment decisions by focusing on technical planning like quantification, scenario forecasting, investment allocations and cash flow modeling. 

This program is recommended for EXPERT INVESTORS

Schedule An Introductory Web Conference

How We Pay It Forward

Fulfilling What We "OWE"

Cornerstone Capital Planning Group has partnered with Philadelphia based non-profit OWE to help  make an impact to those in the world who are less fortunate.  OWE, an acronym for “One With Earth,”  is a 501(c)(3) organization on a mission to empower impoverished communities by providing them with the resources necessary to achieve sustainability and independence.

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When You Plan, We Pay It Forward

When you partner with Cornerstone for our Comprehensive Financial Planning Program, 10% of the proceeds are paid directly to OWE’s Education Impact Fund.  The Education Impact Fund is an investment portfolio earmarked for entrepreneurship education of students in the underdeveloped world.

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Enroll in Cornerstone University

Cornerstone University is a platform for you to develop your online financial planning knowledge and keep you up to date with the investment landscape. As a student of Cornerstone University, you will periodically receive content to increase your Financial Planning IQ, as well as FREE ACCESS to our online workshops.

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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC, Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and McAdam LLC dba Cornerstone Capital Planning Group are not affiliated companies. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

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Building The Foundation For Financial Success ®

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