You want a financial plan that's simple.
Because you're unsure if you're on the right path.
Let's navigate your next steps.
You might feel your financial future is unclear.
We see you trying to make the right decisions.
What can you expect from us? Beginning with a no-pressure discovery meeting for us to get to know each other, we then hand craft a bespoke plan, carefully taking into consideration each aspect of your life so that you can spend your days how you want.
Conducting a thorough five step process, we are able to identify and capture your unique goals and dreams.
The Future Advantage™
We begin with a series of thought provoking questions to explore what means the most to you in your future.
The Discovery Experience™
In our foundational meeting, we establish your Guiding Principle to inform your future financial decisions and set your one-to-three year goals. We assess your Return on Life (ROL), evaluating your satisfaction across 10 life areas. We then explore your Fiscalosophy, examining your experiences and comfort levels with eight financial topics, such as spending, debt and giving. We also assess your investment risk tolerance. We go further to understand your natural instincts, enabling us to tailor information specifically for you. Additionally, we perform a cash flow analysis to understand your income and expenses, along with a paycheck review to clarify your actual take-home pay.
The Protection Analyzer™
To safeguard your future against unforeseen curve ball life events, this step focuses on protecting you and your family. We will do a comprehensive insurance review by examining your policies. Additionally, we stress the importance of establishing or updating your estate and legacy plans. This includes reviewing wills, trusts, healthcare proxies, and powers of attorney to ensure they truly reflect your wishes and secure your legacy.
The Total Asset Optimizer™
When your assets are working in harmony, you have a higher likelihood of achieving your financial goals. We will work with you to help you balance your existing assets and to develop strategies to accumulate new assets. We will review your recent tax returns to identify any opportunities.
The Enlightenment Navigator™
Life is not static and neither is your plan. An important step in achieving your plan is to continue to monitor, measure, and when necessary modify. We also take the time to celebrate from where you started to what you have been able to achieve during the planning process.
Give the gift of preparedness
Preparing for the unthinkable before it happens is one of the greatest gifts you can give your loved ones. Download our free PREPARE guide and be subscribed to our financially empowering monthly newsletter.
We are fee for service, which means we are paid solely by our clients for the financial plan we provide rather than a commission or transaction fee from a third party.
Our financial planning fees are charged as a flat rate, which typically ranges from $3,000 to $10,000. Fees are based upon the complexity of the situation. We also offer annual retainer and subscription fees for comprehensive wealth management. We’re happy to discuss any and all solutions to provide you financial peace of mind.
You will deal with a principal of our firm. That means, you’ll get immediate access to our knowledge, our time and answers to any concerns or questions you might have. Here’s who you won’t be dealing with: a Customer Service Rep d’jour on the other end of an 800#.
We have developed a specialty of empowering widows and women with their financial and money decisions. Our clients typically have lots of moving parts in their financial life.
Lots of people can manage your portfolio, but can they also help you create a “return on your life”? WH Cornerstone approaches financial advising differently. We serve as your financial coach to advise, implement, and continually manage all the moving parts of your life.
Before you meet with us, we typically have you fill out an online risk assessment. We’ll ask that you provide us with some personal and financial information. We will also provide you with our Future Advantage Questionnaire™ to help you prepare for the questions we will review together. You are welcome to bring your questions too. Our initial meetings are anything but ordinary. It’s a chance for us to get to know you, where you’ve been on your financial (and personal) journey and where you want to go.
Yes. We like to meet with both spouses and have a relationship with both of you. Also, in order for you to have success in financial life planning we want to ensure that your goals, dreams and aspirations are aligned and that everyone is committed to the same future. As married business partners, we know first hand how important it is to have everyone on the same page.
We love that you are thinking about this!
Here’s our version of an ideal financial planning relationship:
- We believe every great relationship has give and take. And the very best relationships start as a team. We’ll ask you to do some homework before we meet so we’re all prepared to dig in.
- At our meeting, we want you to be open and authentic about both your current financial situation and your dreams for the future.
- Ideally, you’ll tell us your financial goals and snapshots of financial decisions that played a role in their past. But you’ll also dream big with us and give us the ideal future where your financial goals and your personal goals are totally aligned.
- We are not able to read minds nor do we have a crystal ball so our best advice is based upon what information you share with us.
- Pragmatically, timely communication and feedback is essential to assisting clients to move forward.