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The Fine Print

The foregoing content reflects the opinions of WH Cornerstone and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct.

Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns.

All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.

2017 Summer Reads

Here’s my annual summer reads for 2017. Awhile back I stumbled across this great blog site called “Wait But Why.” One of the creators of the site is a cheeky philosopher by the name of Tim Urban. In 2015 Tim crafted an essay titled “The Tail End.” Through a series of infographics and charts, the author jolts you into realizing […]
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What If Your Husband Died?

Loss of a spouse is the number one stressor according to Holmes and Rahe Stress Scale. Compound that stress with the shorter, darker, colder days of winter and the holiday season and you are talking about some serious stress for this group of people. According to the 2011 U.S. Census, the median age of widowhood was 59. Other statics claim […]
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Rise Up: A Reinvention Retreat for Widows

An invitation to relax, rejuvenate and reinvent Rise Up: A Reinvention Retreat for Widows Saturday, January 28, 2017 + Sunday, January 29, 2017 at the Mirbeau Inn and Spa at The Pinehills presented by WH Cornerstone Investments with special guests + speakers The loss of spouse or life partner is difficult. In fact, it’s life changing. You once knew who […]
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Nutrition & You: an "investment" in your health

Join Dr. Alexie from Wellspring Chiropractic in Duxbury for an evening around nutrition. Rather than dictating exactly what you should or shouldn’t be eating, we will discuss empowering wisdoms and tools to better understand our own individual needs, as well as concepts around restoring balance and cause & effect. Did you know that blood type and genetics influence our response […]
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Have You Had the Conversation Yet?

WH Cornerstone Investments is grateful to be included in this important discussion. Join us and bring a friend. Did you know that 60% of people say that making sure their family is not burdened by tough decisions is “extremely important”? At the same time, according to the California HealthCare Foundation, 56% have not communicated their end-of-life wishes. Communicating such wishes […]
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Money Mindfulness: a conversation about money matters for women

Join the Women Mean Business of the Plymouth Area Chamber of Commerce on Wednesday, October 12 from 12:00 – 1:30 p.m. for a dynamic conversation about Money Mindfulness presented by Paula Harris of WH Cornerstone Investments. Our relationship with money impacts every aspect of our lives, especially for women. Through this interactive discussion we will cover several areas of focus […]
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Work vs. Retirement

Let’s explore the five areas that work provides in our lives and how we need to think about each of them as we prepare for retirement. Work until you die! That was the way it was until the late 19th century. Farming was the mainstay of our economy, and men worked as long as their health allowed them to work. […]
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Ripples: death is more than dying!

Death is more than dying! Life’s foundation is not solid, like the earth, But fluid, like a pond. And when the large SPOUSE DEATH ROCK plunges Into your part of life’s pond, Where you have been floating Peacefully, with only the usual minor ripples, GIANT WAVES are created! You are tossed up and down and sideways. You are suddenly out […]
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Consider Grief Like Your Elephant

Remember the old joke “How do you eat an elephant?” “One bite at a time.” Consider grief/mourning like your elephant. One thing you can’t deny is the presence of an Elephant. When it stands next to you, It’s there! “Shoo” won’t make it go away. It has to be eaten. You can only eat a bite at a time. Digestion […]
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Brexit Market Commentary

Fasten your seat belts! That was going to be our advice as we approached summer and the Independence Day holiday weekend, however, keep them fastened for the entire summer. The markets are likely to continue to be volatile. Global financial markets are still digesting the “Brexit” vote. The fallout has been most dramatic for U.K. and European markets. The U.S. […]
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Widowed: My Grin is Thin

My grin is thin. My laughter is skin deep. Just below the surface Is this bubbling caldron of tears. Many triggers cause the volcanic eruption. Of emotional water supplied by the suppressed Memories of forty-seven years. My response to old friends who ask “How ya’ doin’?” Is what I know they want to hear, “I’m Okay.” They have no way […]
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Spend all your time making money

There is an Eagle’s song with the line “you can spend all your time making money” and many of us have embraced that concept. We work really hard so we can get the bigger house, the nicer car, and memberships to “the right” clubs. To be able to enjoy all this money, we need to “free up” our “free time” […]
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Proud Fiduciaries

We are excited about the Department of Labor Fiduciary ruling! The U.S. Department of Labor (DOL) is about to reveal the most significant change in the retirement and IRA marketplace – a controversial new rule intended to raise investment advice standards on retirement accounts. We think that is a good idea and should benefit the consumer. The financial world is […]
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Money Mindfulness Workshop

Money can be complicated. It can be even more complicated when we have not taken the time to think about our values and align our spending to meet them. Once we determine our values, the next steps is to set goals we want to achieve. Then it becomes easy to align our spending. Here’s an example: One of my values […]
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Knee-jerk Reaction No Way To Invest

Recently, I returned from a trip from Washington D.C. Peter Forman, president and CEO of the South Shore Chamber, arranged a trip of local business owners and leaders to visit our congressional delegation to discuss the business climate and hurdles the business community is facing. While I had taken this voyage before, this year was particularly interesting primarily because of […]
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Strategizing Social Security

“I’ll go to Congress and fight for you.” How many times have we heard that from our politicians? There’s a lot of tough talk on the floor of the House of Representatives, but how often do these officials actually back it up? Almost never. But that wasn’t always the case. On Feb. 15, 1798, U.S. Reps. Roger Griswold of Connecticut […]
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The Single Life: a poem

Every once and a while we like to feature a post by a colleague or friend. George Weir writes poetry, shares his professional knowledge about the moving industry and wonderful, heartfelt stories from WWII. Enjoy. The Single Life Doing Things For Each Other The only rules are the rules you make for yourselves. Rule:  Don’t ever use the word “SHOULD” as in…YOU […]
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Being mortal: you can't escape death

Two certainties exist in this world: death and taxes. We can find ways around improving our tax situation, however we will all be equal in the end when we are dead. Yes. It’s true. Two certainties exist in this world: death and taxes. We can find ways around improving our tax situation, however we will all be equal in the […]
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Wealth Mastery

Recently, I finished a four-day journey of Wealth Mastery at a Tony Robbins seminar on Marco Island in Florida and wanted to share a few highlights with you. Wealth comes from the word welfare, which means: the state of doing well especially in respect to good fortune, happiness, success, or prosperity. Wealth is 80% psychology. You can have plenty of […]
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Emotional Behavior and Investing

“A Walk in the Woods” was released earlier this month. If you’ve read this column over the years, you know I have a fond appreciation for the Appalachian Trail (a.k.a. “the AT”). I often threaten to drag my wife out for a weeklong hiking extravaganza, surviving on nothing but nuts, berries and drinking water from cool mountain streams. Nevertheless, we […]
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Women and Money Mindfulness

Money can be complicated. It can be even more complicated when we have not taken the time to think about our values and align our spending to meet them. Once we determine our values, the next steps is to set goals we want to achieve. Then it becomes easy to align our spending. Here’s an example: One of my values […]
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Cornerstone Cottage Open House

On Friday, September 11th we were joined by clients, business colleagues and friends for a casual backyard open house.                         The day was filled with rain but at party time the sun popped out.                               […]
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Widowhood: When Life Throws You a Curve Ball

One thing we know for sure is life throws many curve balls. It’s why our firm is passionate about empowering people to see their future as greater than their past, especially in times of transition. We created this video to share some important and practical advice if you find that life has thrown you a curve ball, especially if you’ve […]
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The Rise of Social Media and Finance

“BOOYAH!” “Sell,” screamed Jim Cramer, the host of “Mad Money.” “Exit Hewlett Packard and Best Buy immediately.” Ironically, both companies surged upward in the opposite direction, more than 100 percent, six months after Cramer’s call in 2012. “One thing I know, that I know nothing. This is the source of my wisdom,” stated Socrates in fifth century BC. If only […]
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Choosing a Financial Services Professional

Caveat emptor is Latin for “Let the buyer beware.” The phrase arises from the fact that buyers often have less information than the seller, or more importantly, about the seller. When choosing a financial services professional, buyer beware! A local radio talk show host who is a financial services professional is finding himself in hot water these days. According to […]
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Summer Reads Can Make You Fiscally Fit

The Fitbit craze, yet another trend I just don’t get! I’ll stick to reading! Fitbit went public last week. In its first moments of trading, it shot out of the blocks surging more than 50 percent. Fitbit is an amazing story, not only about a trendy wearable-Internet-connected fitness device, but also about fiscal fitness. Fitbit’s been getting in shape. It […]
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Lonely: A widowers perspective

A lot of our practice focuses on supporting widows as they transition to managing their finances and life on their own. One of our friends reached out to share this beautiful, raw and very real poem of what it was like for him to lose his spouse of many, many years. He shared it and we share it in the […]
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Giving Circles

You’ve tried the book club, but the guilt of not finishing the book was too much. Ladies Night Out was a great idea but all the small talk just didn’t do it for you. Volunteering in the community has been great but you don’t always have the time commitment and you would like to make a greater contribution. What about […]
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Donor-Advised Funds: Feeding the Soul

You’re working hard, making good money and yet, rather than feeling like a total success, you’re a bit empty inside. There is a way you can feed your soul – by using your financial resources to establish a personal charitable giving strategy. Donor-advised funds (DAFs) offer a way to make significant charitable gifts over the long term while allowing you […]
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Financial Steps to Take in Widowhood (or Not to Take)

It could be said that February is all about the heart. The American Cancer Society promotes heart awareness and wellness during the month. Celebrate National Wear Red Day with Go Red For Women occurred Feb. 6, promoting helping save women’s lives from heart disease and stroke. We also celebrate love with Valentine’s Day. But for many, this time of year […]
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5 Incredible Facts About the Current Retirement Market

1. Did you know that … Americans have an estimated $24.2 trillion in retirement assets(1)? To put that into perspective, the entire gross national debt is only about $18.1 trillion, making the U.S. retirement market about 33% larger. 2. Did you know that … IRAs make up the largest single share of the retirement market with an estimated $7.3 trillion1? […]
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Allowance: Saving, Sharing, and Spending

Learning how to deal with money takes practice. You didn’t know how to ride a bike when you first got one but you learned by trying.  Allowances can be so much more than paying your children for chores accomplished around the house or just giving them pocket money. Allowances can be a tool to really help your child develop a […]
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It's 1099 time!

Soon, you’ll be getting a copy of your 2014 IRS Form 1099-R, Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc., if you took an IRA distribution last year. Our great friend, Joe Cicchinelli, IRA Technical Expert from the Ed Slott organization wrote this quick synopsis. Your IRA custodian is generally required to send you a copy […]
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Life's Greatest Lesson

This past year I read a book for personal growth and it had such a profound impact on me. As I read it, I kept thinking about the ties to the advice we often give as part of financial planning. Life’s Greatest Lesson by Dr. Alan Hunt is written from a young boy’s perspective at the death of his Grandma […]
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H.R. 5771: Taxes and year-end

Congress has been busy these last few weeks of December cleaning up the tax code – retroactively for 2014. Year-end is a busy time for all of us. The holiday season is in full swing, and everyone is zipping around picking up gifts, wrapping them, shipping packages and getting those cards in the mail. Truth be told, I actually don’t […]
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Getting Financially Fit

In November, I’ve helped the Duxbury Council on Aging deliver the financial educational portion of the Aging Mastery Program, or AMP for short. AMP is a national program that aims to help millions of older adults take key steps to improve their welfare and add stability to their lives. AMP focuses on health, stronger financial security and overall well-being. Joanne […]
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Do You Have a Required Distribution From Your Inherited IRA?

Did you inherited IRA? Was the person you inherited it from over the age of 70 ½? If yes, then you may need to take a year of death distribution. If the deceased account owner did not take all of his required minimum distribution (RMD) for the year, the beneficiaries must take any remaining RMD by the end of the […]
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Planning Your First Required Minimum Distribution (RMD)

Did you turn 70 ½ this year? If yes, its time to start withdrawing funds from your traditional IRAs, including SEP IRAs and SIMPLE IRAs. These mandatory withdrawals are known as required minimum distributions (RMDs). Here are some things to keep in mind: The first deadline is April 1, 2015 (not April 15).  That is called required beginning date (RBD). […]
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Spousal Roth IRA Contributions

If you’re married and filing jointly with your spouse, even if only one of you has job with income, you might both be eligible to contribute to a Roth IRA using the spousal IRA contribution rules. You need to have compensation or earned income to make a Roth IRA contribution. Compensation, including earned income, is income you earn from your […]
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Divorce and Social Security

“The clearest way into the Universe is through a forest wilderness.” – John Muir Over the summer, I had the experience of a lifetime visiting Alaska. I climbed mountains in the Chugach National Forest, got up close to glaciers the Kenai Fjords National Park, hiked the tundra that traversed the Katmai National Park and fished the rivers that feed Bristol […]
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Behavioral Finance

It’s Halloween season! That time of year when mysterious creatures arrive at my door dressed in all types of fascinating costumes demanding candy. Halloween is one of my favorites traditions. I camp out in front of the house with a space heater and a crock of chili. I dispatch candy to the walking dead and may even hand out an […]
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2015 IRA Contribution Limits

The IRS issued a news release (IR-2014-99) that announced the 2015 cost-of-living adjustments (COLAs) for IRAs and other retirement plans. While many of these limits increased, some did not. The IRA contribution limit for 2015 did not change from the 2014 amounts. It remains at $5,500 if you are under age 50. If you are age 50 or older in […]
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Are You Paying “The Idoit Tax”?

Quarterly taxes were just due so taxes may still be on your mind like they are on ours. However, many pay “The Idiot Tax” everyday and don’t even think about it. “The Idiot Tax” quietly erodes our wealth. By now you are scratching your head wondering what the heck is it? And, am I paying it too? Well, “The Idiot […]
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How an Estate Planning Issue Led Me to Mozzarella

In 2004 the Wildlands Trust of Southeastern Massachusetts began a campaign to save the last working dairy farm, the Historic O’Neil Farm, on the South Shore. At the time I was serving on the Open Space Committee in Duxbury. One of my colleagues asked me to come to project planning meeting. From 1921 through her death in 1963 Rosa Chandler […]
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Economic Advisory Panel answers: Where's the Smart Money Headed Next?

A few years back, The Patriot Ledger pulled together a group of local business folks to comment on economic and business issues facing our region and the country. I am grateful to serve with these distinguished business leaders. The recent question posed to the Economic Advisory Panel dealt with “where’s the smart money headed next”? Here’s what I had to […]
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Modern Family & Per Stirpes

One of the most popular shows on TV today is Modern Family. As you know, Modern Family is a about an extended, non traditional family and their interactions. While it is a sitcom, the new non-traditional family is anything but a make believe TV show. I am defining traditional family as a husband (man) and wife (woman), legally married and […]
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The Chef Run Restaurant Experience

Explaining the difference between what our firm does rather than other financial services firms can be challenging. So here’s an analogy we hope helps. Think about a national restaurant chain, like Olive Garden, and then think about a local chef run restaurant in your area. Our firm, WH Cornerstone Investments, is like a chef run restaurant and the big wire […]
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FPA Weekend Retreat

Last weekend a group of about 200 financial planners from around the country and world gathered in Miami to learn and share at the Financial Planning Association 2014 Retreat. Most of them were CERTIFIED FINANCIAL PLANNER™ Practioners–the industries gold standard of designations. Although we attend lots of industry conferences, it was our first time joining this retreat. We came away […]
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Heroes, Monsters and Madmen...Oh My!

Don’t be scared. This is not going to be a post about any financial heroes, monsters or madmen–despite a few being out there. Rather, WH Cornerstone Investments is delighted to be a sponsor of this weekend’s Spring Pops concert by the Plymouth Philharmonic Orchestra. The Phil is wrapping up its 98th season this weekend with a fabulous show starring Craig […]
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'File and Suspend'

We are so honored to have a monthly newspaper column that runs in the local papers in Kingston, Plymouth, Marion, Plympton and on several WickedLocal.com sites. We hope you are enjoying them. This month, Bill Harris talks about a very hot topic in Social Security planning: ‘File and Suspend’. “File and suspend” is a strategy that can raise benefits for […]
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An Investment Selfie

Selfies are the rage these days. They’ve been around for a while. But selfies really went mainstream recently because of two reasons: How easy it is to take one on the new iPhone or Samsung Galaxy, and, Ellen DeGeneres snapping one of herself and a bunch of stars at the Oscar’s that went viral on Twitter. We recently received Morningstar’s […]
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How The Stock Market Is Like A Soap Opera!

When I was a teenager, I would spend our summers at our family’s beach house. I would be up early to lay claim to my favorite spot on the beach spending hours reading, walking, talking, swimming and napping. Lunchtime was spent watching All My Children then back to the beach for an hour before General Hospital started. I was hooked! […]
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Kickstarter & Cheese

Want to feel inspired? Visit Kickstarter to learn about all of the ambitious, innovative, and imaginative projects that are brought to life through the direct support of others. Kickstarter is a new way to fund creative projects. It is an online funding platform for everything from films, games, and music to art, design, and technology. Each project is independently created. Together, […]
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Kripalu: Quiet the Mind, Body & Write!

“Quieting your life is the key to your writing,” said instructor Eric Maisel at the end of the workshop. A group of about two-dozen writers gathered this past week at Kripalu in Stockbridge, MA, to participate in a Deep Writing Workshop. I was one of them. Kripalu is a very special place for me. It’s where I come to renew, […]
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She Did It!

Recently, I gathered at Babson College with a hundred fabulous women for a conference geared for women. A group called BetterAfter50.com put on the conference. The event, SHE DID IT, helps women in their mid-forties and up to figure out the answer to: “What now? What next?” The conference was filled with a range of speakers to help you figure […]
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“Harmonize” the RMD rules for Roth IRAs and other retirement accounts

According to the President, it’s time “Harmonize” the RMD rules for Roth IRAs and other retirement accounts.  Yikes.  That could place many planning decisions, like Roth conversions, in jeopardy. Yesterday, President Obama unveiled the Fiscal 2015 budget. Many of the proposals relating to retirement and financial planning are repeats from previous years.  Because of Congressional gridlock, very little gets passed. […]
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The President's Proposed Budget and The Impacts to Your Retirement Plans

Yesterday, President Obama unveiled his fiscal-year 2015 budget and below are the potential impacts to retirement plans. Last year, six out of the seven provisions detailed below, or similar versions of them, were included in President Obama’s fiscal-year 2014 budget. Repeat: none of them were enacted from last year’s budget. These are proposals only. This year’s proposals: “Harmonize” the RMD […]
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The Fiduciary Standard and You

In the investment field, there are two primary parties who are able to offer investment advice to individuals. These parties are investment advisors and investment brokers who work for brokers-dealers. Many consumers may consider the investment advice they receive from each party as similar, but there is a key difference that may not be completely understood by the investing public. […]
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A New Way to Save for Retirement: myRA

Maybe you caught the President giving the State of the Union address last week. One thing that caught my ear was this notion of a “myRA”. I decided to do a bit of research and found immediately following the address, the White House released details of “myRA” in “The State of the Union Fact Sheet: Opportunity for All”. I wrote […]
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The Wolf of Wall Street and 5 Financial Planning Tips

It’s official. The Wolf of Wall Street has been named a finalist for Best Picture for this year’s Oscars. While Hollywood loves to hammer Wall Street, the Wolf is not about Wall Street. It is about a persuasive character’s vices and his eventual downfall. It has nothing to do with financial planning. In any case, here are five tips to […]
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Goodbye 2013, Hello 2014

The calendar change over is always a time of reflection. We closed out 2013 by attending a program with author/speaker Tony Robbins. It’s called Date with Destiny and it was fantastic. Paula even had the good fortunate of being called up on stage out of 2200 participants to meet Tony and spin “the wheel” and she won a ticket to […]
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New Treasury Notes A Solid Investment

This month’s column in the Duxbury Reporter rounds out four years of a monthly column called: Investors, Plans and Money. It’s been such a joy to share some financial insight, fun stories and current events with readers every month. Last week our auto mechanic asked how long Bill has been writing a column. He had just read it for the […]
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Happy Thanksgiving

It’s is the season of giving thanks. And we are so grateful for our clients, colleagues, family & friends for helping us a make 2014 a very special and memorable year. In this year’s Thanksgiving card we announced the new home base for our company: the Cornerstone Cottage. Above is a graphical image of the new building. Want to know […]
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Denver: the home of Westcore Funds and our recent visit

We just sent out our consecutive 124 enewsletter. It’s always full of fun financial facts & finds. The type of stuff that you need to know about every day, like “What NOT to buy at the dollar stores” or “How to save $1000 by Black Friday” (one reader suggested you just stay home and you’ll save even more!). We get […]
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What Do IRAs and Bull Riding Have in Common?

by Bill Harris Twice a year I gather with colleagues from around the country to study with Ed Slott. Ed established the IRA Leadership Program and Ed Slott’s Elite IRA Advisor Group to share his group’s knowledge and expertise with advisors. This time it was Dallas. For two straight days, we studied the tax code, retirement plans, case law, new […]
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Open Season For Confusion

Medicare open enrollment began October 15 and lasts through December 7. It’s a hot topic but it’s a confusing subject. We took the time to focus our latest newspaper column, in the Duxbury Reporter, to dive a bit deeper. We hope it helps you gain a bit of clarity. Let us know your thoughts.
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The 10Event

WH Cornerstone Investments was a proud supporter of Crossroads for Kids 10Event held on October 24, 2013 at Blackrock Country Club in Hingham. Crossroads for Kids inspires youth to develop their innate potential to become members of the next generation of diverse young leaders in Boston and Massachusetts, breaking the cycle of poverty and under-achievement and yielding systemic change in […]
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Avoiding Mistakes in a Divorce in 5 Easy Steps

Retirement accounts and divorces When a divorce occurs, the financial assets of a couple, including their retirement accounts, are often split. If mistakes are made during this process, the stress of a divorce can be compounded when one or both spouses find they are subject to unnecessary taxes or penalties. IRAs in divorce. To properly divide an IRA as a […]
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Debt Ceiling Debate, You & the Market

We expect continued drama and volatility as the debt ceiling deadline approaches. As we speak, the U.S. Congress continues to negotiate the terms of a compromise that would re-open the federal government and, lift the “debt ceiling”. The debt-ceiling breach is far more important than the government shutdown. A breach could trigger chaos, but its doubtful it will happen. What […]
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Naming Beneficiaries on an IRA

We are often asked about naming beneficiaries on an IRA. Should it be a person or a trust? Bill does a lot of studying with Ed Slott–the IRA “guru” in this country. It will probably be a living breathing person vs. a trust.  Individuals designated as beneficiaries of IRA can “stretch” out distributions over their lifetime.  For example, if you […]
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Washington Lawmakers?

Washington lawmakers? They probably have you concerned about your portfolio. Because of the news cycle, it’s impossible not to see some unpleasant news about the government shutdown and its impact on the markets.  However, based on the past, the market impact should be a yawn. Take 1995 and 1996 for example, when the government shut down due to differences between […]
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Government Shutdown and the Financial Markets

If you believe the media, the government shutdown is making financial markets turbulent. Do not believe it.  In the trading pits, no one sees a “specialist’s book”.  Traders do not put comments on their trades. Bottom line, no one in the media knows for sure the reason why a market moves.  They may speculate correctly, but they do not know […]
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The Value of Brands

As you’ve watched the news over the last week, have you noticed how important brands are? I’m sure some egg-head, PhD has volumes of information on quantifying that question.  I love brands.  We all do.  I’m not a Harley motorcycle guy, but I love the fact people get tattoos of this brand on their bodies. Strange? Yes, but impressive.  So […]
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WH Cornerstone is a Proud Sponsor of the Phil


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The Dow Then and Now

Each month we contribute an article to some of the Wicked Local papers and sites in our neck of the woods. We aim to be current & creative in the content. Recently the Dow made some changes to the 30 companies they track. We provide a little history in this article. Let us know what you think.
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The Widow's Penalty

Widows are obviously faced with a period of grieving, sadness and remembrance.  However, when that first new tax bill comes in, they are going to get ticked off.  Most financial professionals have heard of the marriage penalty, but the widow’s penalty is even more inequitable. Here’s an example of the marriage penalty: the 3.8% surtax on net investment income kicks […]
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Tuesday's With Phil

Tuesday’s with Phil was a fabulous, free concert series held this summer at the Laura’s Center for the Arts at the South Shore YMCA’s Hanover branch. It was a collaboration between the South Shore YMCA and the Plymouth Philharmonic. WH Cornerstone Investments was excited to be a series sponsor for this inaugural venture. We were so excited to get the following […]
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