Your Course To Retirement: Recent Episodes
Cornerstone Retirement Partners
Our personalized financial planning process is designed to explore your goals, dreams, values, and financial objectives. Each one of our clients has different goals and expectations for their wealth, and we specialize in developing custom strategies to support their goals. We help our clients build a worry-free financial future and a comfortable, secure retirement through comprehensive financial planning and prudent investment strategies. We pledge to honor our clients’ trust in us by giving them only objective advice, guidance, and strategies best suited to meet their personal goals.
Retirement planning can be confusing, and there's a lot of information out there. In this video, we break down six common myths that could be holding you back from a secure future. What do you need to know? Watch now to find out. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
Curious about Roth conversions and how they might impact your retirement? In this episode, we dive into the essentials of Roth conversions and what they could mean for your financial future. Understanding your options now could make all the difference later. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
This episode covers essential information about Social Security, including eligibility, benefits, and how to apply. Learn practical tips to make the most of your Social Security benefits. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
In this episode, we explore the income gap, touching on its causes and effects. Get a broad perspective on this economic issue and its impact. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
In this episode, we cover the basics of annuities, life insurance, and long-term care (LTC). Discover the key points and considerations for each. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
🌟 Planning for retirement? 🌟 Discover key drawdown strategies to manage your savings effectively. Learn the basics and tips to help you navigate your retirement years. Watch now for insights! 💸📈 To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
🌟 Planning for retirement? 🌟 Discover key drawdown strategies to manage your savings effectively. Learn the basics and tips to help you navigate your retirement years. Watch now for insights! 💸📈 To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
In this follow-up video, we continue exploring common challenges in retirement planning. We'll delve into managing healthcare costs, adjusting investment plans, and preparing for unexpected financial setbacks. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
Planning for retirement can be challenging, with many potential roadblocks along the way. In this video, we'll discuss common obstacles such as debt, unexpected expenses, and inadequate savings, and share strategies to address these issues. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource
This episode explores the growing tension between Washington and Wall Street. With new regulations and policies targeting financial institutions, is Wall Street's dominance under threat? Discover the potential impacts on the economy, investors, and the future of finance in America. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
Are you ready to take the plunge into retirement and embark on a new phase of life? Meet Ron Courser, CFP®, your trusted partner in navigating the complex course through retirement planning. With his years of experience and expertise, Ron can help you address the six core issues that are crucial for a successful retirement journey. Don't wait to secure your retirement future. Contact Ron Courser today at (616) 301-2581 or visit his website at Cornerstone Retirement Planning to learn more about how he can assist you in addressing these vital retirement issues. Ron is committed to helping you enjoy a retirement that's as fulfilling as your working years. Get started on the path to a worry-free retirement with Ron Courser, CFP® as your guide.
In this episode, we explore how political decisions impact your retirement. Discover how elections, policy changes, and inflation influence your savings and financial security. Learn about social security adjustments and other critical factors that could affect your future. Stay informed about the political landscape to better prepare for your retirement. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
Planning for income in retirement is essential for financial stability. In this video, we cover key strategies for creating a solid retirement income plan. Discover different income sources, investment options, and tips for managing your savings. Whether you're close to retirement or just beginning to plan, this video offers useful insights to help you prepare. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Your Course To Retirement", Ron Courser, CFP® identifies the three largest expenses that can drain your wallet and derail your financial goals. He shares insights on how to minimize these expenses and take control of your finances. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
In this episode, we'll dive into the world of annuities, an important financial tool for retirement planning. 📈💰 We'll explore various types of annuities, such as fixed, variable, immediate, and deferred, and provide insights into how they operate. 📝 Whether you seek a stable income source for retirement or simply want to grasp annuities better, this video offers essential information. 📚 By the end, you'll gain a better understanding of how annuities can potentially complement your financial strategy. 🔍💡. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
This episode covers essential information about Social Security, including eligibility, benefits, and how to apply. Learn practical tips to make the most of your Social Security benefits. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
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On this program we will be addressing what we can do to protect our family’s financial security. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
Unlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s behind. Plus, get expert insights on target date funds, managing risk, and understanding contribution limits and fees. Don't miss out on this opportunity to optimize your retirement strategy! Call now to get your personalized plan and take charge of your financial future in 2024 and beyond! For more information contact Ron Courser, CFP® and his team at Cornerstone Retirement Partners at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.
📊 Join Ron Courser, CFP® from Cornerstone Retirement Partners for insightful discussions on optimizing income during retirement. From investment insights to budgeting basics, we're here to guide you. Subscribe now for valuable strategies to secure your financial future. 💼 For more information contact Ron Courser, CFP® at (616) 301-2581 and visit our website at www.cornerstone-rp.com.#retirementplanning #financialstability #practicaladvice
Discover smart ways to structure your income! In this quick video, Ron Courser, CFP® shares practical tips to help you make the most of your earnings and investments to generate tax-advantaged streams of income. Whether you're self-employed or working a traditional job, optimizing your income can lead to greater financial stability. Watch now for actionable advice! Don't forget to subscribe for more content for Your Course To Retirement! For more information contact Ron Courser, CFP® at (616) 301-2581 and visit https://www.cornerstone-rp.com/ #IncomeStrategies #financialtips
Unveil Tax Season and Saving Strategies with Ron Courser, CFP®!
🎙️ Join Ron Courser, CFP®, Owner of Cornerstone Retirement Partners, as he dives into essential tax planning insights in this episode of Your Course To Retirement.
💼 Host: Ron Courser, CFP®
📞 Contact: (616) 301-2581
🌐 Website: https://www.cornerstone-rp.com/
Discover actionable tips to minimize tax liabilities and maximize savings. With over three decades of experience, Ron shares valuable advice on proactive tax planning, helping you secure a brighter financial future.
Tune in now to unlock the secrets of tax optimization and take control of your finances! Reach out to Ron Courser, CFP® at Cornerstone Retirement Partners for personalized guidance.
When planning for retirement, you want confidence. You want to know that your money is going to be well-managed while working towards retirement and protected once you are in retirement. You don't want to go through retirement not spending because you are worried you might not have enough. The retirement that you deserve should be fun, doing all the things you couldn't while you were at work, and it has to be based on a plan. Ron Courser, CFP® can help make sure you are not just relying on luck in retirement, that you actually have a true plan, and can guide you to the retirement you deserve. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit https://www.cornerstone-rp.com/.
For more updates on when Cornerstone Retirement Partners uploads a new video follow these social medias
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If you perfer to listen to the videos they will be posted in audio form on this page. https://coursetoretirement.libsyn.com/site?_ga=2.18104057.175116293.1666642908-1281234911.1610478272
Financial Education
Find out more information about Cornerstone Retirement Partners, request a consultations, or download the resources mentioned in today’s episode by visiting www.cornerstone-rp.com
Disclosure: Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and Cornerstone Retirement Partners are independent of each other.
For more updates on when Cornerstone Retirement Partners uploads a new video follow these social medias
Facebook - https://www.facebook.com/CornerstoneRetirementPartners
Linkedin - https://www.linkedin.com/company/cornerstone-retirement-partners/
Twitter - https://twitter.com/Cornerstone_rp
If you perfer to listen to the videos they will be posted in audio form on this page. https://coursetoretirement.libsyn.com/site?_ga=2.18104057.175116293.1666642908-1281234911.1610478272 Financial Education
Find out more information about Cornerstone Retirement Partners, request a consultations, or download the resources mentioned in today’s episode by visiting www.cornerstone-rp.com
Disclosure:
Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and Cornerstone Retirement Partners are independent of each other.
Are you #readytoretire? Like, really ready? Not just tired of work and wishing to quit, but financially prepared for 20 to 30 years or more of unemployment? If you're retirement-minded and aiming for confidence when that day comes, tune in to this week's #YourCourseToRetirement as @RonCourser reviews the essential questions to answer to gauge your retirement readiness.
Are you wondering about the financial requirements for retirement? Join us in this insightful program where we'll dive deep into understanding your retirement number. We'll explore practical methods for calculating it, the significance of adopting an Income Allocation strategy to tackle this challenge, and the specific risks it can mitigate. Additionally, we'll outline key considerations for structuring the Income Allocation portion of your retirement plan. Don't miss out on this comprehensive discussion aimed at providing clarity and guidance on your path to a secure retirement. Contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
🤔 Curious about 401(k)s? 🧐 Explore the ins and outs with Ron Courser, CFP® from Cornerstone Retirement Partners, the good, the not-so-good, and everything in between. Get insights for smarter financial moves. No fluff, just real talk. Dive in and navigate the 401(k) landscape with us 🚀! Contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
#401kExplained #FinancialInsights #RetirementTalk
🤔 Curious about 401(k)s? 🧐 Explore the ins and outs with Ron Courser, CFP® from Cornerstone Retirement Partners, the good, the not-so-good, and everything in between. Get insights for smarter financial moves. No fluff, just real talk. Dive in and navigate the 401(k) landscape with us 🚀! Contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/. #401kExplained #FinancialInsights #RetirementTalk
🔍 Explore the path to a secure financial future with our Retirement Planning insights! Delve into the realms of Income Planning, designed to provide lifelong expense coverage. Discover Investment Planning strategies that align with your goals, control volatility, and optimize portfolios. Gain clarity in Tax Planning to minimize liabilities and enhance efficiency. Our Health Care Planning addresses the intricacies of Medicare and Long-Term Care to handle rising healthcare costs. Join us on a thoughtful journey into Legacy Planning, ensuring a smooth transition of your assets. Subscribe for informed financial insights and a step-by-step approach to retirement considerations 🌐 . #retirementplanning #financialwisdom #legacyplanning #informed
Often times we hear about “The Year In Review”, looking back at major events that have happened in the prior year. In our personal financial lives, this is also what we do during tax preparation. Filing taxes is literally putting together a personal “Financial Year In Review”, but we are planners. This is a show about planning. Planning is about looking forward and being proactive, not looking back, being historical, or being reactive. Certainly, we can gain some knowledge from history (maybe we should gain and retain a little more), but we have to plan ahead and keep moving forward. So, this is a show about the “Year In Preview” and some of the important topics and events we will cover in the year ahead. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
As you look forward to the approaching new year, ready to chart your course for 2024, the prospect of setting financial goals may be on your mind. Perhaps you're aiming to eliminate lingering student loans by the next holiday season or contemplating strategies to enhance your retirement plan. Unlike the transient nature of many New Year's resolutions, effective goal-setting requires careful consideration.
Research indicates that the average New Year's resolution barely endures into the spring, and you may find yourself pondering a crucial question: How can I establish realistic and achievable financial goals for 2024? The answer lies in adopting a thoughtful approach and keeping key factors in mind from the outset. Fortunately, the pathway to setting and accomplishing high-quality financial goals is well within reach, and we're here to guide you through the essential considerations to ensure your success. For more information on this and many other important financial topics, contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
’Tis the season for thinking of family and friends, for gifting, giving, and generosity. For the holidays, we generally think of bows and packages in wrapping paper. Of course, these gifts cost money and we should try to be responsible with the way we spend throughout the holidays. On a larger scale, we should also consider our ongoing financial impact through gifting and giving strategies to family, as well as any outside gifts, giving, or donations we make to charities, churches, or organizations. We are in the midst of what has been dubbed the “Great Wealth Transfer” as the accumulated wealth of one generation of Americans transfers to the next. We should think proactively and plan strategically for how our wealth will be effectively preserved, protected, and utilized both during our lifetime, and after. Let’s talk about planning for the holidays, planning for retirement, and gifting, giving, and donating our wealth. For more information on this and many other important financial topics, contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
You have always first and foremost had an income plan. When you set your alarm so that you get up to show up for work, put in your time and sweat equity to perform your tasks, and trade that time for money, that is your income plan. You plan to repeat that routine overtime to earn a living, manage your bills, and to support your ability to save for retirement. That is an income plan! The INCOME PLAN is what supports your lifestyle and your investment plan. The stability and predictability of the income you generate is what allows you to feel comfortable investing a portion of your money into accounts intended for years into the future during retirement. The income plan is what allows you to weather down market cycles without dramatic impacts to your lifestyle. The income plan is what provides you the means to have an investment plan at all. In both your working career and in retirement, you live on your income, not your assets, but the income plan is what you leave behind when you retire! You have to recreate it with assets! For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
There is no doubt this year has had its twists and turns especially for the market, and let's not even get into the personal and even global issues for financial progress. This year has had a host of challenges but, so will next year and the year after that. Tune into today's episode as Ron Courser, CFP® wraps up this year, gives insight on what may be coming as we look towards next year, and discusses how Cornerstone Retirement Partners can assist you in your path to retirement. To get assistance contact Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
Are you ready to take the plunge into retirement and embark on a new phase of life? Meet Ron Courser, CFP®, your trusted partner in navigating the complex course through retirement planning. With his years of experience and expertise, Ron can help you address the six core issues that are crucial for a successful retirement journey. Don't wait to secure your retirement future. Contact Ron Courser today at (616) 301-2581 or visit his website at Cornerstone Retirement Planning to learn more about how he can assist you in addressing these vital retirement issues. Ron is committed to helping you enjoy a retirement that's as fulfilling as your working years. Get started on the path to a worry-free retirement with Ron Courser, CFP® as your guide.
One of the best opportunities to prepare assets for retirement occurs when we have the opportunity to access retirement accounts at 591/2. First, at age 591/2 you have the ability to pull from retirement accounts without the additional 10% penalty. If you need income to support yourself, this is the traditional milestone that allows you to utilize tax-deferred accounts like 401(k)’s and IRA’s. Additionally, more and more employer sponsored retirement plans are allowing participant employees to remove funds from the employer’s plan and reposition them to their own Individual Retirement Accounts, while still continuing to work and participate in future and on-going contributions, as well as continue to capture any company matching. This can be advantageous in offering the ability for a wider range and selection of investment options and selecting vehicles more appropriate for retirement goals. It also can allow for greater flexibility for things like the consideration of Roth conversions to manage taxes in retirement. For more information contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
5 Common #FinancialMistakes - Retirement involves the delicate task of both growing your savings for the future and managing your current income for your #retirementexpenses. While there is no foolproof method for achieving this balance, there are recommended practices that can be followed to minimize common mistakes. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/.
Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Your Course To Retirement", Ron Courser, CFP® identifies the three largest expenses that can drain your wallet and derail your financial goals. He shares insights on how to minimize these expenses and take control of your finances. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
What are annuities? What do they do? What do they not do well? Why do they seem to have a negative reputation? How do they function? What role can they play in comprehensive retirement planning? On this program, we will examine annuities. There are pro’s, con’s, benefits, disadvantages, and specific features to understand. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/
Taxes are the biggest expense between making money and keeping it, so taxes should be managed proactively too. On this episode, we will discuss Roth strategies as a means of controlling the expense of taxation on your wealth and discuss some specifics on the opportunity to take advantage and maximize your Roth balance. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/
In this episode, you can see what an average rate of return can do to an investment portfolio through the example graphics on the screen. Ron Courser, CFP®, explains and discusses the reasons behind potential issues that could arise if you stick with an average rate of return. However, there are indeed other alternatives instead of adhering to a singular outcome throughout retirement. This is because prices are not always going to remain the same for essentials like cars and groceries. Just this year alone, we witnessed eggs skyrocketing to $18 in price.
Furthermore, Ron Courser, CFP®, delves into the possibility of experiencing losses despite your initial gains. For more information and to gain insights into the reasons behind this, watch this episode of 'Your Course To Retirement' presented by Ron Courser, CFP®, from Cornerstone Retirement Partners.
If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/
Tune in as Ron Courser discusses the difference between an #InvestmentPlan and an #IncomePlan. Ron Courser is a Certified Financial Planning professional with years of experience assisting proactive savers and investors structure plans to achieve their goals. Ron Courser, CFP® understands the risks, issues, and opportunities in retirement. For information, contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
Tune in as Ron Courser discusses the difference between an #InvestmentPlan and an #IncomePlan. Ron Courser is a Certified Financial Planning professional with years of experience assisting proactive savers and investors structure plans to achieve their goals. Ron Courser, CFP® understands the risks, issues, and opportunities in retirement. For information, contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
Of the six stealth taxes, all but one has been in existence for several years. Two of the stealth taxes are difficult to avoid due to their low-income threshold. While most of these stealth taxes may not kick in until retirement, planning for each stealth tax should begin several years before a federal employee retires and continues throughout his or her retirement. For more information contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
We have been taught that taking risks is a necessary part of making financial progress. Why? What is risk? How much you should be taking? How can risk be identified or quantified? What are the benefits, payoffs, potential drawbacks or dangers, and what is the true necessity of taking risk? We will discuss...risk, safe money strategies, pros and cons, striking a proper balance of risk and safety, and managing market volatility. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
We have been taught that taking risks is a necessary part of making financial progress. Why? What is risk? How much you should be taking? How can risk be identified or quantified? What are the benefits, payoffs, potential drawbacks or dangers, and what is the true necessity of taking risk? We will discuss...risk, safe money strategies, pros and cons, striking a proper balance of risk and safety, and managing market volatility. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
SEASON FINALE LONGEVITY !!!!
The risk multiplier! Living longer is a blessing we hope for. It also increases the likelihood that all other risks we have covered in this series will impact us. Over a longer life, we will experience more of them, potentially multiple times. Only by having a solid plan that addresses all the other risks and extended longevity can we truly experience lasting retirement confidence and quality of life. Contact Ron Courser, CFP® to plan specifically for Longevity in Retirement. Call (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.
Even at historically moderate rates, inflation will eat away at your spending power throughout retirement. Expenses often increase faster than retirement income keeps up. Over certain periods, inflation can quickly spike to even higher levels. Contact Ron Courser, CFP® to make sure your plan addresses Inflation Risk in Retirement. Call (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.
When planning for your kids to go to college, you have to consider and address their new living situation, college choice, classes, major, and most of all..... MONEY! Ron Courser, CFP® discusses the stress planning and paying for college can create, and how to plan for the money you will need to afford college life, including tuition, room & board, books, meals, supplies, and transportation. Ron Courser also discusses a few possible resources to help pay for those expenses. If you have any questions about this episode contact Ron Courser, CFP® at (616) 301-2581 and visit the website https://www.cornerstone-rp.com/.
Every dollar has a tax plan associated with it. Taxation is one of your largest known expenses in retirement. Deferred taxes during your working career and investment growth means more taxes in retirement on income withdrawals, as well as on inheritance. Deferred tax may also impact Social Security taxation and Medicare premiums. Tax rates and brackets could also potentially go up in the future. We have historically low tax rates today. Plan accordingly and proactively! Contact Ron Courser, CFP® to understand, plan, and control your taxes in retirement! Call (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.
Markets can fluctuate wildly and unpredictably. Your need for income generally is not so flexible. If income is generated from market-based investments, carefully consider how market losses may equate to income reduction and dependability. Contact Ron Courser, CFP® to make sure your plan addresses Market Volatility and Risk in Retirement (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.
Reliable streams of retirement income will vanish when a spouse passes away. Social Security and pensions are subject to survivorship implications that may not be felt for decades. Consider the spousal consequences of timing and starting income. Decisions early in retirement may have consequences on your spouse even after your own life expectancy. Contact Ron Courser, CFP® to make sure your plan addresses Spousal Income Risk in Retirement (616) 301-2581, and visit the website at https://www.cornerstone-rp.com/.
As people age, their healthcare needs and costs tend to increase. Chronic conditions and age-related health issues become more prevalent, requiring ongoing medical attention, medications, and treatments. The cost of managing these conditions can be substantial, especially when considering long-term care needs such as nursing homes or assisted living facilities. If you need assistance with planning, or want to make sure you have not overlooked any of the 9 Critical Risks to Retirement, contact Ron Courser, CFP® and Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.
In this edition of "Your Course To Retirement", Ron Courser, CFP® discusses withdrawal rate risk. Withdrawal rate risk means that your retirement lifestyle could be jeopardized in later years because of an unsustainable income rate early on. A written plan addresses the potential that an individual's retirement portfolio will be depleted too quickly due to withdrawing too much money in the early years of retirement. Ron shares his insights on calculating an appropriate withdrawal rate and managing this risk through proper retirement planning. We also discuss the importance of diversification, asset allocation, and risk management in retirement portfolios. If you have any questions about income in retirement, withdrawal rate risk, or constructing a retirement plan, contact Ron Courser at (616) 301-2581 or visit https://www.cornerstone-rp.com/ for more information.
Tune into this 9 Part Series of "9 Critical Risks In Retirement" with Ron Courser, CFP® on "Your Course To Retirement". In Part Two of 9 Critical Risks In Retirement Ron Courser, CFP® discusses "legislative risk", meaning what changes can Congress implement to reach further into your pockets? Ron discusses RMDs, when you have to take Required Minimum Distributions out of your retirement accounts so they can be taxed. If want to hear how Cornerstone Retirement Partners helps their clients address this, and all of the 9 Critical Risks, give them a call at (616) 301-2581 and visit the website at Cornerstone-rp.com.
Tune in for part one in our series covering critical risks as Ron Courser, CFP® discusses #SequenceRisk: one of the 9 major risks in retirement. Sequence Risk is the potential for unlucky retirement timing and withdrawing funds in a down market. Sequence Risk can damage an investor's return, as well as overall retirement outlook and confidence. If you withdraw too much, especially in declining markets, you increase the risk of running out of money and income, but we also want to live an active life in retirement, regardless of market direction. It takes careful planning. If you have any questions about Sequence Risks or would like the report detailing all 9 of the Critical Risks to Address for Retirement, give Ron and the team a call at (616) 301-2581 and visit the website at Cornerstone-rp.com.
In this episode of Your Course to Retirement, we have a surprise guest #TomHegna that is joining us. The author of multiple books including "Don't Worry Retire Happy" and "Pay Checks and Play Checks", #TomHegna joins us to discuss the income planning piece of retirement and how simple it can be when broken down. We hope you enjoy this special edition to Your Course to Retirement. Give #RonCourser,CFP® a call at (616) 301-2581 and visit #CornerstoneStone-rp.com.
Ron Courser, CFP® and the team at Cornerstone Retirement Partners provide guidance on Social Security issues and solutions for your retirement. Ron helps clients navigate the complexities of Social Security benefits to optimize income and retirement confidence. In this video, Ron shares his insights on common Social Security challenges and offers practical solutions to help you maximize your benefits. From understanding the rules and regulations to exploring your options for claiming benefits, Ron provides valuable guidance that can help you make informed decisions about your retirement. If you're ready to take control of your Social Security benefits, contact Ron today at (616) 301-2581 or visit Cornerstone-rp.com to learn more about his services. Don't miss out on the opportunity to secure your financial future with the help of a trusted Certified Financial Planning Professional!"
Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Your Course To Retirement", Ron Courser, CFP® identifies the three largest expenses that can drain your wallet and derail your financial goals. He shares insights on how to minimize these expenses and take control of your finances. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!
On this episode of "Your Course To Retirement", Ron Courser, CFP® discusses annuities and how they can help you keep sustainable income flowing through retirement. Annuities are simply one financial option, with specific features that can be attractive for generating predictable income in retirement. For more information give Ron Courser, CFP® a call at (616) 301-2581.
Ron Courser, CFP® discusses the differences between individual bonds and bond funds, and the importance of considering the purpose of the investment, the probability of getting the principal back, and the tax implications of your investment options. For more information call Cornerstone Retirement Partners at (616) 301-2581 or online at www.cornerstone-rp.com
Ron Courser, CFP® discussed the current tax environment and how it is an opportunity to take advantage of lower taxes, strategies such as taking money out of an IRA and converting it to a Roth IRA, as well as looking at investments in taxable accounts and how to reduce the tax burden. Ron also discussed the importance of talking to a tax preparer or CPA to understand the implications of any tax strategies.
For more information call Cornerstone Retirement Partners at (616) 301-2581 and visit the website Cornerstone-rp.com.
Planning for retirement has become difficult. If you don't have all the correct pieces in place and in order you may end up back at work, or worse. Ron Courser, CFP® discusses how retirement planning is simplified and lifestyle can be stabilized by putting the right kind of plan in place. No matter what, the government is always going to want their fair share of your work and hard earned money. Many plans don't even address tax concerns of income in retirement. Make sure to tune in as Ron Courser, CFP® discusses how tax planning is a critical opportunity to improve your retirement outlook. If you are planning for retirement, make sure to give Cornerstone Retirement Partners a call at (616) 301-2581 and visit the website Cornerstone-rp.com.
Sometimes it can seem like we hate paying taxes more than we like making money. Ron Courser, CFP® shares a personal story from which he and his mother were discussing the tax implications of investment account returns. We hope you enjoy this edition of "Ron Shares" on "Your Course To Retirement".
On this week's edition of "Your Course To Retirement", Ron Courser, CFP® discusses common mistakes savers and investors may encounter while planning. Not paying attention to BIG changes, like the new SECURE Act 2.0 laws, is a huge mistake that can have significant impacts in your planning. To keep up with the latest financial news and extra financial tips subscribe to the "Cornerstone Retirement Partners" Podcast, and contact John Kuykendall at (386) 755-9018 or visit the website at Gulfcoastfinancial.net.
The new Omnibus Spending Bill includes language that changes your retirement plan options, known as the SECURE Act 2.0. Ron Courser, CFP® highlights several of the big changes that you will need to know for effective planning and to make the most of your investment opportunities.
This episode of Your Course To Retirement discusses how the new Secure Act 2.0 interacts with saver's 401Ks, and weighs the scope, changes, advantages, and disadvantages of new legislation. Ron Courser, CFP® also discusses how Cornerstone Retirement Partners takes legislative risk and law changes into account when planning for their client's. The new SECURE Act 2.0 represents big changes. Make sure your plan is up to date!
Here in Michigan, the change and difference in seasons is pretty stark. Preparing for winter is strategic and certain things must be done ahead of time, while the weather is good.
"Do I have enough fire wood to would last?" "Is the heat maintained and working?" "Do we have a backup generator in case the power goes out?" "When is the last time I fired up the snowblower?"
This preparation can be a good comparison for retirement. There are questions that you need to regularly ask yourself and review, and the best time to do so is BEFORE any rough "weather". "Do I have enough saved to withdraw income and keep up with my lifestyle?" "If working stopped, today how long could income last without that regular paycheck coming in?"
There are many questions that people should ask themselves (and answer) while in preparation of retirement. Unfortunately, sometimes these questions get asked too late. Ron Courser, CFP® and the team at Cornerstone Retirement Partners work to make sure all their clients and proactive planners have answers to these questions, are prepared for retirement (and the "winters" that may come throughout retirement), and have a Course To Retirement written plan in place.
Winter always comes and will be here before you know it. Are you prepared?
From Cornerstone Retirement Partners: We hope you enjoy this episode of "Your Course To Retirement". Contact Cornerstone Retirement Partners at (616) 301-5886 or visit the website Cornerstone-rp.com.
A financial "silver lining" for 2023 is that after 2022, there is little doubt we will be more cautious and attentive with our planning, especially with the ranging market volatility. This year will have a few good distinct and specific benefits, such as Social Security going up over 8% and Medicare premiums declining. One of the biggest topics that includes many more silver linings would be the release of and all the changes from the Secure Act 2.0. Check Ron Courser's last podcast, "Secure Act 2.0" to learn more about it.
The passing of the SECURE Act 2.0 has big implications on your retirement, and not many people know about it. Ron Courser, CFP® will discuss many details on these new retirement laws in the coming months and address the advantages and disadvantages of the SECURE Act 2.0. With all the changes, make sure to review your plan and make sure it is up to date. We hope y'all enjoyed another episode from Cornerstone Retirement Partners. Make sure to share this episode with all your friends and family to help with planning for the years ahead.
Tune in as Ron Courser, CFP® discusses the "10 Steps To Prepare For Retirement", and how they can help you get to the retirement you deserve. Visit Cornerstone-rp.com and contact Cornerstone Retirement Partners at (616) 301-2581. We hope you enjoy another edition of Your Course To Retirement.
The "10 Steps" is a simple overview of the most important items to address in planning for a confident retirement. Tune in as Ron Courser, CFP® discusses these "10 Steps" and why addressing each will improve retirement confidence. We hope you find this edition of Your Course To Retirement helpful and informative.
Do you know how long you would be able to generate the income you need if your paycheck stopped today? Have you identified and calculated your retirement Income Gap? These are just two of the 12 must answer questions from Ron Courser, CFP® to know if you are really prepared for retirement. Contact Ron Courser, CFP® at (616) 301-2581 or visit the website at Cornerstone-rp.com to request the "Are You Ready?" checklist or for help in formulating Your Course To Retirement Plan.
One of the time-tested, proven financial fundamentals is ongoing portfolio rebalancing. Rebalancing can be regular, strategic, and tactical. Rebalancing routinely helps to better achieve several critical financial goals: 1) Keep your risk in line with your risk tolerance, 2) Capture gains along the way, and 3) Keep your portfolio in line with changes and evolutions in your life and along your timeline. Tune into Ron Courser, CFP®'s "Rebalancing" episode to understand how rebalancing your portfolio is crucial for your retirement plan. Contact Ron Courser, CFP®, and Cornerstone Retirement Partners at (616) 301-2581 and visit the website at Cornerstone-rp.com.
2022 has been a difficult financial and economic year, especially for retirees but, are there some silver linings to the market volatility and inflation? Ron Courser, CFP® discusses the potential silver linings for seniors this year's challenges have created for seniors looking into the year ahead.
Storytime and financial life lessons with Ron Courser, CFP®. In this episode Ron talks about taking and managing risk, and how to make sure you are "staying on course" with your financial progress.
2022 has been a difficult financial and economic year, especially for retirees but, are there some silver linings to the market volatility and inflation? Ron Courser, CFP® discusses the silver linings for seniors our challenges this year have created looking into the year ahead.
How much do I need in retirement? Is the answer an age? Is it a certain lump sum? On this week's edition of Your Course To Retirement Ron Courser will be addressing how to answer this essential question with confidence, and how to think about this issue differently. Stay tuned as always, And contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/home.
Nancy Courser is a Medicare Insurance Specialist ready to help you during OEP, your Open Enrollment Period. Tune in as Nancy Courser discusses plan details, options, and costs that you should consider when deciding on your best Medicare plan options. Contact Nancy Courser directly, and her team at Cornerstone Retirement Partners at (616) 301-2581 or visit Nancy Courser's website at www.NancyCourser.com.
Nancy Courser is a Medicare Insurance Specialist ready to help you during OEP, your Open Enrollment Period. Tune in as Nancy Courser discusses plan details, options, and costs that you should consider when deciding on your best Medicare plan options. Contact Nancy Courser directly, and her team at Cornerstone Retirement Partners at (616) 301-2581 or visit Nancy Courser's website at www.NancyCourser.com.
Nolan Goslee, discusses the impact of rising interest rates. Interest rates are a double-edged sword. We appreciate higher rates on saving, but rising interest rates have a negative effect on many other aspects of the economy and our investments. The Federal Reserve states that interest rates will continue to increase, potentially putting further pressure on the stock market and creating more volatility. Contact Nolan Goslee at (616) 301-2581 or visit the website at Cornerstone-rp.com to review your plan for the future and understand the impact of rising interest rates.
How do you know if you have saved enough? How do you make it last? How do you make sure you won’t run out of money and be forced to dramatically change your lifestyle? This is one of the top reasons there is so much worry, and why running out of money is the biggest concern for retirees. Tune in this week as Ron Courser discusses the 3 biggest expenses in retirement.
Tune in to Ron Courser, CFP®'s show, Your Course To Retirement, as he discusses "Your Advice and Your Advisor", and the simple steps a qualified advisor will take to help you plan. Your money represents freedom and quality of life; you worked hard for it; you put in your time and your sweat equity. Ron Courser also gives advice about your money and what would be the favorable benefits for you. Contact Ron Courser, CFP® at Cornerstone Retirement Partners for planning for health and wealth, (616) 301-2581 or at Cornerstone-rp.com.
Nancy Courser is a Medicare Insurance Specialist ready to help you during OEP, your Open Enrollment Period. Tune in as Nancy Courser discusses plan details, options, and costs that you should consider when deciding on your best Medicare plan options. Contact Nancy Courser directly, and her team at Cornerstone Retirement Partners at (616) 301-2581 or visit Nancy Courser's website at www.NancyCourser.com.
The markets are once again testing their 2022 lows and investors are concerned this downturn could get worse. How do you manage volatility, continue to make progress, and navigate Your Course To Retirement? Ron Courser, CFP® discusses strategies to manage volatile markets in this week's episode.
Getting a match on contributions is a fantastic opportunity, not to be missed. You CANNOT get that kind of guaranteed immediate return anywhere else. Tune in to learn more as Ron Courser discusses what you need to know about participating in your 401(k) or the retirement plan offered through your employer.
On today’s program, we will cover some recent articles that shed some light on the financial world, the economy, and the planning issues that we pay attention to on a daily basis that we think are of interest to you and
important for all proactive savers & investors to pay attention to. Stay tuned as always, lots of important information from Your Course To Retirement coming your way. Be sure to Like, Subscribe, and Share this podcast with your friends and family.
The "10 Steps" is a simple, one-page overview of the most important items to address in planning for a confident retirement. Tune in as Ron Courser discusses these "10 Steps" and why they are important. Call or click through to the website to request or download your copy. We hope you find this edition of the show helpful and informative. Don't forget to like, subscribe, and share!
The "10 Steps" is a simple, one-page overview of the most important items to address in planning for a confident retirement. Tune in as Ron Courser discusses these "10 Steps" and why they are important. Call or click through to the website to request or download your copy. We hope you find this edition of the show helpful and informative. Don't forget to like, subscribe, and share!
Tune in as Nancy Courser from the Health side of Cornerstone Retirement Partners discusses different plans and benefits that may be an important part of your retirement planning. We hope you enjoy another edition of Your Course To Retirement.
The term “Save” is often used interchangeably to mean “Build wealth”, but there are many options under this general term, and minutia we must understand in order to build wealth to the best of our ability. Most of all, we need a plan for those dollars we keep, and for what we eventually intend to do with them. Today, we will cover some of the frequent questions we hear about understanding your investment options. Stay tuned as always, lots of information from Cornerstone Retirement Partners is coming your way.
There are many areas that we provide assistance. Many financial topics where we consult to add confidence in the planning process and help in determining strategy and variables that could impact the outcome. Today we will talk about the big ones. We are here to provide immediate and ongoing service in the planning process. Stay tuned as Ron Courser from Cornerstone Retirement Partners discusses these specific topics. As always we hope you enjoy this week's edition of Your Course To Retirement.
All too many times, even the biggest financial questions get ignored and overlooked as we live out our day-to-day routines. If we had trusted resources that would dedicate some of their time to assist us in addressing most concerning topics how much more confidence would we feel financially knowing we are living in the “know” of our financial comfort. Tune in this weekend for Ron Courser and another edition of Your Course To Retirement. Ron Courser discusses top concerning areas for savers and investors. To contact Ron Courser call (616) 301-2581 and visit the website at www.cornerstone-rp.com/home.
There are several factors you need to understand about annuities before considering purchasing one. Tune in this week as Nolan Goslee discusses annuities pros and cons and what they can do as part of your portfolio. The team from Cornerstone Retirement Partners hopes you enjoy another edition of Your Course To Retirement.
How much do I need in retirement? Is the answer an age? Is it a certain lump sum? On this week's edition of Your Course To Retirement Ron Courser will be addressing how to answer this essential question with confidence, and how to think about this issue differently. Stay tuned as always, And contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/home.
There are several factors you need to understand about annuities before considering purchasing one. Tune in this week as Nolan Goslee discusses annuities pros and cons and what they can do as part of your portfolio. The team from Cornerstone Retirement Partners hopes you enjoy another edition of Your Course To Retirement.
Listen and learn as Ron Courser, CFP discusses the core planning issues of today and what other issues could come in the future. Ron Courser also dives into multiple planning situations that the average saver and investor could run into. If you have issues or simply want to get your plan examined, contact Ron Courser, CFP at (616) 301-2581, or visit the website at Cornerstone-rp.com
How do you know if you have saved enough? How do you make it last? How do you make sure you won’t run out of money and be forced to dramatically change your lifestyle? This is one of the top reasons there is so much worry, and why running out of money is the biggest concern for retirees. Tune in this week as Ron Courser discusses the 3 biggest expenses in retirement.
Listen and learn as Ron Courser discusses the 8 Moments to Move your Money. Deciding when it is time to move your money it can be difficult, or even knowing how to do. Ron Courser discusses these 8 moments to move your money and can help you understand if any of these opportunities apply to your investment or retirement accounts. To get this free report of the 8 Moments to Move your Money contact (616) 301-2581
Tune in as Ron Courser discusses the issues that you will face in retirement and how you can address those issues for a more confident, comfortable lifestyle in retirement. You can call (616) 301-2581 to review your retirement plan with Ron Courser and see if you have any unaddressed risks, issues, or opportunities in your planning. Qualified, experienced financial guidance is available to help you plan for retirement with confidence.
Providing financial education, Your Course To Retirement with Ron Courser, CFP® covers the essential planning issues that every saver and investor must address on the road to retirement. It's like GPS for financial planning.
Investors may be familiar with the term “Dollar Cost Averaging” and may understand what it means and how it works. When contributions cease however, do we still get ALL of the same advantages from investing? What about when dollars reverse direction and start creating income for us in retirement? This has been called “Dollar Cost Ravaging” or “Sequence of Returns Risk”, but what does this mean and how does it work. Ron Courser, CFP® explains on this week's edition of Your Course To Retirement.
Market indexes recently saw their longest successive weekly losing streak since 2001 and investors may be understandably nervous, but are there any reasonable alternatives to risking losses and money in the markets? Tune in this week as Ron Courser discusses fixed rate products, bonds, I-Bonds, Treasuries, structured notes, inflation protection, principal protection, income protection, and what kind of growth expectations are reasonable in this environment.
We have seen some recent instability in the markets. It has invoked a lot of emotion from some investors. Just because we see market volatility or believe it may be coming does not mean we should stop our financial progress or put off goals out of fear. Fear is not a stop sign. Caution is always prudent, but fear should never determine the steps in your financial progress. Listen this week as Ron Courser explains realities within the market that can effect people in every way so be sure to don't miss it!.
Market #volatility continues through the month of May. The #Fed has reversed course and the market generally does not like change. Since 2008, the Fed has been lowering interest rates and simultaneously buying trillions in mostly US Treasuries. They knew they were taking a risk with simulative policies and putting all this cheap liquidity out into the open market. To put it simply, money (liquidity) has been plentiful and cheap to access. Now the Fed is looking to take out some of the excess stimulus efforts while making accessing money more expensive, and they are doing it pretty quickly. We understand that market downturns and volatility can make you feel anxious. We welcome your questions and would be happy to talk through your concerns. Please call Ron Courser with questions, or schedule a complimentary consultation.
On Mother’s Day Weekend, the thought probably crosses our mind of how much our family and loved ones (specifically mother’s, but maybe others) have cared for us. A thought MIGHT also cross our minds about the care (specifically financially and emotionally) that we provide for our family. Caring for loved ones is no small task. It takes a “life’s purpose” kind of dedication. It can be extremely difficult at times and even in easy times, comes with challenges. Today’s “Sandwich Generation” is faced with even further complications and challenges in our best efforts to care for loved ones. A cold reality is that sometimes the care and support we can provide is all about money. From a financial perspective, careful planning is the best thing we can do to support our family, and not place undue burden on our loved ones. Listen as Ron Courser discusses the steps and approach to caring for our loved ones on this week’s edition of Your Course To Retirement.
Tune into Your Course To Retirement with Ron Courser, CFP® on the new episode "Retirement Rescue".
Does your retirement need rescuing, or maybe you just want to double-check to make sure it's not in danger? Listen to Ron Courser as he goes through what may affect your retirement, including one of the biggest retirement killers... Inflation.
Listen and learn from Ron Courser, CFP® on ways to defend your retirement nest egg.
#FinancialEducation
Find out more information about Cornerstone Retirement Partners, request a consultations, or download the resources mentioned in today’s episode by visiting www.cornerstone-rp.com
Disclosure:
Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and Cornerstone Retirement Partners are independent of each other.
Listen and learn as Ron Courser discusses the 12 critical steps to take while planning for retirement. Reviewing these 12 steps will help build a more confident financial future. Ron covers them all on this episode of the Your Course To Retirement.
The "10 Steps" is a simple, one-page overview of the most important items to address in planning for a confident retirement. Tune in as Ron Courser discusses these "10 Steps" and why they are important. Call or click through to the website to request or download your copy. We hope you find this edition of the show helpful and informative. Don't forget to like, subscribe, and share!
Website - https://www.cornerstone-rp.com/
Number - (616) 301 - 2581
Youtube - https://www.youtube.com/channel/UCHWRY6r8TM89RsOzA6XgV_A
There are products that have income protection and an elevated amount of income is available if there are ever LTC type expenses. The worry with most accounts is, that if needed to cover LTC expenses, they run out. These products will increase available cash flow during an LTC event but, will always have at least a level floor of lifetime income even after the account balance technically reaches 0.
The current and going problems in our society and how are they going to affect the market is crucial. Listen and learn how Ron Courser is going to guide you through these endeavors and avoid some of these issues in the future. Contact Ron Courser at (616) 301-2581.
The world around us will change. Our own situation will change over time. The needs that we have with our money, and what we want it to do for us will change and evolve. Over time, there are financial fundamentals that will help our progress and success. At times taking some of these steps may be more challenging than others, but if we stick to these fundamentals, our outlook and outcome will be improved. Listen this week as Ron Courser discusses the Practical Fundamentals of the market and how they can work for you.
Market downturns happen. While the overall information we receive is on the benefits of the upside and potential growth that can be generated by the market, we should also be educated about the downside too. Downturns have historically happened with much more frequency and magnitude than most investors realize. Listen this week as Ron Courser walks you through the facts and fiction of the market.
Nancy Courser has over 15 years of experience helping people who are turning 65, retiring, or losing group health insurance transition into Medicare. She's an independent advisor representing multiple insurance companies and over 20 plans. To contact Nancy Courser give her a call at (616) 301-2581.
Wouldn’t you want to say “Going for a massage instead of work! First official day of retirement!” instead of “The TAX-MAN does not make it easy to retire!” well you should contact Ron Courser at (616) 301-2581 so you can have a happier and easier retirement.
There are always many, many questions around taxes. Let’s talk about a few of them, and what proactive, savvy planners can do about them. So you can hold yourself from saying stuff like Have I paid enough? Will I get a refund? Have all of my forms arrived yet? With Ron Courser, your troubles will be gone so hit that like and subscribe so you can tune in for more Your Course To Retirement.
Taxes are one of the 4 things we do with our income. While we work, usually paying taxes is the first in line and done automatically. Once we retire, it may be the last thing we do. To get many more amazing tips and tricks to retirement, taxes etc give Ron Courser a call at (616)301-2581. But enjoy the show!!!
How much time do you spend worrying about your family’s well-being? How
much of this worry and concern is related to money? Listen this week as Ron Courser discusses caring for your family and loved ones
How do we know if we are taking too much? To have these and many more questions answered just contact Ron Courser (616) 301-2581.
We all probably have a laundry list of things we look back on and could say we “would have/should have done things differently". This is especially painful when it comes to our money. This week Ron Courser discusses some of the most common mistakes to hopefully help you avoid them.
What if I get sick, injured, or die? While we hate to think of these mortal questions as financial issues, they very much are. These are only a couple of questions watch and see what Ron Courser has to say about it.
What are the most exciting or most disappointing moments I have experienced as an advisor? This is just one of the many questions you can ask Ron Courser to find out answers to your questions just call at (616) 301-2581.
Happy New Year to the listeners, viewers, and clients of Cornerstone Retirement. Hope you had a great 2021, and have an even better 2022!
We are getting ready to wrap up the year here at Cornerstone Retirement and on this week's episode we circle back and talk about you and your financial progress. If you ever want to revisit our discussions, submit any questions, or want to talk about steps to take into 2022 or beyond, please do not hesitate to reach out at (616)301-2581 or visit us online at Cornerstone-rp.com. Merry Christmas & wishes for a safe, healthy, and prosperous New Year for you and your family.
Tune into Your Course To Retirement as Nolan Goslee provides some year-end tips on identifying opportunities to make the most of the year to come and build for a more stable & confident retirement.
Happy Thanksgiving! We hope you enjoy this holiday weekend "Best of" edition of Game Plan For Retirement with Ron Courser.
Timely planning tips and time-tested strategies for long-term financial success; listen as Ron Courser discusses this and more on this week's edition of Game Plan For Retirement.
There are major deadlines for tax planning and management at the end of the year. Proactive savers remain aware of these deadlines and take action where necessary or where it will be to their long-term advantage.
For our Halloween weekend edition of the program, we are discussing some potentially scary financial topics and current events. As always, if you have questions or want to address any of the issues discussed, or your own planning concerns, contact Ron Courser and the team at (616)301 - 2581
Strategize on Social Security - Run a full analysis to see if there are ways to make more from your benefits. Be sure to give careful consideration to options for timing and survivorship of Social Security and defined benefit pensions. Coordinate benefits to maximize lifetime income. Tune in as Ron Courser walks you through the steps to help you better prepare for retirement.
Protecting a lump sum is one thing but, protecting the income you depend on is another challenge altogether and another important aspect of a comprehensive retirement plan. Please always remember Ron Courser offers a free 1-hour complimentary review. Don’t delay the schedule today. Lots of great information on the show, so follow the link to check out this riveting episode.
It's open enrollment season! Listen and learn as Nancy Courser discusses the costs, benefits, and options you have through Medicare, and tune in every Sunday for other helpful advice to assist in planning for health and wealth.
The cost of living is on the rise. People are reasonably concerned with the quick and significant changes we have seen in the cost we pay for day-to-day living and the things we are used to paying for. Tune in as Ron Courser helps you plan and prepare for retirement.
There are many different types of life insurance to help achieve various goals. The average American however, is underinsured. Tune in as Ron Courser discusses this and more on this week’s edition of Your Course to Retirement
How would you answer this question? Do you know how long you would be able to generate the income you need if your paycheck stopped today? Tune in as Nolan Goslee helps to answer these questions and many more.
Once we have a plan to sustain our own lifetime financial needs, we want to maximize the legacy and the impact that we will leave behind for our loved ones, family, or charitable causes. Certified Financial Planner Ron Courser discusses the process, strategies, and tools available to help maximize your legacy.
LABOR DAY - A CELEBRATION OF WORK: On this special Labor Day edition of the show, we celebrate the worker, their labor, their contributions and achievements, and what workers mean to the American economy. This holiday also represents a bit of the unofficial end of summer, the beginning of football season, and back to school. Tune in as Nolan Goslee discusses what it takes to stop trading your time for money and enter into retirement with confidence.
A WRITTEN INCOME PLAN: By the time retirement nears, chances are savers & investors will have worked long and hard to finally reach this point in their lives. Whether they will be able to live the lives they want after retirement or not, however, depends on how well they have planned and invested for their long-term financial security. Tune in as Ron Courser helps you plan for long-term success in retirement.
In this program, Ron Courser will examine the benefits of having a written plan for retirement. Only 31% of non-retired investors believe they will have enough money to retire, while 50% of investors with a written plan feel confident in their retirement planning. Tune in to see if you are truly prepared.
When we are ready to retire, Social Security and Medicare are available to use. However, if you believe social security and Medicare will provide the same lifestyle you had while working, you might be wrong. Social Security was never meant to replace your income, and Medicare will only cover basic necessities. So tune in as Ron Courser explains your options and how to incorporate social security and Medicare into your retirement planning.
CLOSING YOUR INCOME GAP: While earning a paycheck, we are actually working on designing and building our retirement lifestyle. Miscalculations, especially leaving gaps, can leave our retirement lifestyle unstable. Tune in as Nolan Goslee helps you to build a more confident and comfortable retirement.
ROADBLOCKS TO RETIREMENT AND RISK TO AVOID: There are various financial and insurance strategies that, when combined, can help generate sustainable levels of retirement income. Tune in to this show as Ron Courser helps you navigate your way to a more comfortable retirement.
You want to let someone else do the worrying for you. You do not want to be a financial professional through your retirement years and would rather find a trustworthy guide to take on this responsibility for you. Tune in as Ron Courser explains why it is important to have help as you navigate retirement.
ARE YOU READY TO RETIRE: We typically do just about anything we can not touch our retirement investments during our working career. Even bad markets can survive, so long as we continue to have a paycheck to support ourselves. But, taking withdrawals for income, especially during periods of market decline, can dramatically increase the likelihood of running out of money in retirement. Tune in as Ron Courser helps you navigate your retirement more confidently.
Tune in this week as Ron Courser discusses inflation. Is it a backlog in the supply chain or are these higher prices here to stay and how do savers, investors, and retirees cope with rising prices on just about everything?
In order to feel confident and secure in retirement, we have to be prepared for financial risk. In order to prepare for risks, we have to identify what they are and assess what level of control we can take over them. In this program, Nolan Goslee will examine what true financial freedom really means and what you should be doing with your money in order to achieve it.
Adding up the cost in retirement can be very expensive. This is one of the top reasons there is so much worry, and why running out of money is the biggest concern for retirees. How do you know if you have saved enough? Listen to Ron Courser as he helps you answer this question and many more.
10 STEPS TO RETIREMENT - Do you know where your income will generate from in retirement? In this week’s episode, Ron Courser discusses formulating an income plan and 10 steps to preparing for retirement.
ARE YOU READY CHECKLIST – Do you know if your portfolio is properly diversified to provide enough growth, safety, liquidity and income? On this week’s episode Nolan Goslee addresses different questions that you should ask yourself when planning for retirement.
Examining and controlling your budget and attacking and eliminating debt are some of the best ways to improve your financial path and outcome. Listen as Nolan Goslee discusses the importance of income planning & insurance in this week’s episode.
In volatile, uncertain times, annuities are a financial tool that can add some stability. Today Ron Courser will discuss annuities and also touch on a specific form of government employee retirement investment vehicle, a TSP, which gives you an option to turn your invested savings into an annuity when you retire.
THE SIX KILLERS OF RETIREMENT – Most financial projections assume an optimistic rate of steady returns. Listen as Ron Courser discusses how using the wrong investment return assumptions can lead to failed retirement planning on this week’s episode of Your Course To Retirement.
Are taxes an issue and consideration when discussing the aspects of the costs of providing care (for ourselves or for our loved ones)? Listen as Ron Courser discusses ways to protect yourself and loved ones on this week’s episode.
On this week’s episode Nolan Goslee will be addressing the numerous risks that concern retirees, and how many of them can be addressed through having a specific, systematic, and written plan for generating retirement income.
On this week’s episode Ron Courser discusses what you need to know about participating in your 401(k) or the retirement plan offered through your employer.
ROTH CONVERSION OPPORTUNITIES – On this week’s episode Ron Courser will be discussing controlling (& minimizing) your tax liability through retirement.
LAST MINUTE TAX MOVES – Where you earn money and where you keep money will determine how you are taxed, how much you pay in taxes, and how many times you pay taxes on each dollar. On this week’s episode Ron Courser talks strategy and some last-minute tax moves to consider that can substantially lower your bill.
DEBT, CREDIT, BUDGET & INCOME – Current low interest rates have hurt savers and prompted borrowers to extend their limits without immediate pain. How has this played into financial and retirement planning? Listen as Ron Courser discusses this topic and more on this week’s episode.
TAXES (PLANNING VS FILING) – By default, more of the tax assistance that people receive from their tax professional is historical/reactive. Are we missing the advice we need the most? Listen as Ron Courser discusses the importance of future tax planning on this week’s episode.
LUCK VS PLANNING – It is said that “luck favors the well prepared.” So, if we are well prepared, aren’t we in fact, probably putting ourselves in a position to be both good and lucky? Listen as Ron Courser discusses luck VS planning on this week’s episode.
THE COUNTDOWN ISSUES – There are several ways you can offset retirement expenses and even increase your income throughout retirement. It starts with having sound information and making good decisions on how to generate income. This is just one topic that Ron Courser covers that should be addressed when counting down to retirement.
(NOT) GOING BROKE IN RETIREMENT – People want to ENJOY retirement, but what if we enjoy it too much? How do we know what we can and what we cannot afford to do in retirement? Listen as Ron Courser discusses why it is important to have a plan put together that gives you this knowledge and confidence in retirement.
UNDERSTANDING YOUR INVESTMENT OPTIONS – From the bank to annuities, Ron Courser discusses the different options when it comes to investing your money.
PROTECTING YOUR SPOUSE – Buying life insurance has a cost but, it also has a benefit – the ability to leave loved ones with the financial means to cover our expenses and theirs after we are gone. Listen as Ron Courser discusses the importance of life insurance and more on this week’s episode.
CALCULATING YOUR RETIREMENT NUMBER – Even if running out of money is not your top concern, you still probably strive to be as efficient as possible with your money, and Income Allocation can help. Listen as Ron Courser discusses Income Allocation and more on this week’s episode.
YOUR PLAN – What are the ACTION ITEMS that can be executed NOW? Your plan should outline actionable steps for you to take to make progress towards your goals. Listen as Ron Courser discusses this topic and more on this week’s episode.
GETTING SAVINGS BACK ON TRACK – We want to live comfortably, but we also want to be able to afford to live comfortably into the future when we are not earning an income. On this week’s episode Ron Courser will be talking about making the most of your savings opportunities, including the importance of budgeting.
IT’S (FINALLY) 2021! – We have made New Year’s resolutions related to our money and our financial well-being. Now how do we stick to them? Listen as Ron Courser discusses this topic and more on this week’s episode.
FINANCIAL RESOLUTIONS – An admirable financial resolution for the New Year is to grow your emergency fund. This is just one resolution that Ron Courser discusses in this week’s episode.
THE HOLIDAYS – Are you hearing from your financial professional this time of year? Are you reviewing your plans? Listen as Ron Courser discusses the importance of meeting with a financial professional this time of year.
END OF YEAR PLANNING – RMDs are usually a big end of year to-do. This year they are not required, but perhaps a conversation about tax planning should be happening instead. Listen as Ron Courser discusses this topic and more on this week’s episode.
MUCH TO BE THANKFUL FOR – Even though this year has been full of uncertainty and stress, there is still much to be thankful for. Ron Courser discusses this and more in this week’s edition of Your Course To Retirement.
MARKET RISK & PROTECTION – The balance of risk and safety is a constant discussion and point of concern. How can we identify risk and gauge whether it is appropriate? Listen as Ron Courser discusses issues and solutions when considering the opportunity for growth, risk, and risk exposure on this week’s episode.
ROTH CONVERSION STRATEGIES – “Taking advantage of downturns”: When downturns do happen, there may be an “opportunity in crisis” to proactively pay taxes on a lower amount. This is just one conversion strategy that Ron Courser will discuss when talking about ROTH IRAs in this week’s episode.
MEDICARE - It's that time of year again! Medicare open enrollment is from October 15th - December 7th. You should always review your plan and make sure it is the best one for your situation. Listen as Nancy Courser discusses Medicare and the many options available on this week's episode.
ROTH PART 1 – Most of us want to do everything we can to control our tax bill and to address any potential future risks and uncertainties. Roth IRAs can help us accomplish these goals in several ways. Listen as Ron Courser discusses this topic and more on this week’s episode.
TAKING RISK – What is risk and how much should you be taking? Why is risk a component of most financial/investment plans? In this week’s episode, Ron Courser will be addressing risk and how to identify it.
10 STEPS TO PLANNING – Defining your income gap and understanding the math behind how much income your portfolio will need to generate in retirement should be one goal of your income plan. In this week’s episode Ron Courser discusses 10 steps to take to help reach your retirement goals and why defining your income gap is such an important step.
THE FED, INFLATION, AND MOVIES – The Federal Reserve has a new strategy that comes with major risk. Listen as Ron Courser discusses these risks and more on this week’s episode.
RETIREMENT INCOME PLANNING - The risks to our financial security in retirement are not only limited to how much we withdrawal and what we do with our money, they can also result from what happens to our money before we make any withdrawals. Listen as Grand Rapids CFP® Ron Courser discusses this topic and more on this week’s episode.
MEASURING RESULTS - Procrastination is caused by mixed emotions and often causes missed investment opportunities. Listen as Ron Courser discusses the emotions involved with common investing mistakes and how we gauge and measure our performance.
MONEY IN MOTION – REBALANCING: Regular rebalancing is important for long term financial progress and success. Rebalancing periodically allows you to capture gains when they are present and to reduce the possibility of excessive losses in downturns. This is just one of the 8 moments to move your money that Ron discusses in this week’s episode. Reach Ron Courser & Associates by calling (616) 301-2581 or visiting www.roncourser.com
Reach CFP® Ron Courser by calling (616) 301-2581 “7 FINANCIAL MYTHS” THE MARKET ALWAYS GOES UP - The market has gone up over history but, it does not ALWAYS go up. In retirement, it is not a matter of the market going up “over time.” If you are reliant on the market for your retirement, it only matters if the market goes up when you need it to. This is just one of the “7 Financial Myths” that Ron Courser covers on this week’s episode.
Reasons you might go broke in retirement – You live too long. Unless you have good planning and spend carefully living too long can be a financial liability. Listen as Ron Courser discusses multiple reasons you might go broke in retirement without the right plan.
Social Security is a cornerstone of retirement planning. There far more choices than most people realize and very little education on how to make an informed decision on how to claim effectively. Listen as Ron Courser discusses Social Security and retirement planning on this week’s episode.
Longevity and Income Planning - The most important factor in determining your lasting financial success is...INCOME! The INCOME PLAN is what supports your lifestyle and your investment plan. Listen as Ron discusses longevity & income planning on this week episode.
4 APPROACHES TO LONG-TERM CARE: Traditional Long-Term Care Insurance can be costly but, not as costly as not having taken step to protect yourself and your loved ones from the possibility of incurring care expenses out of pocket. Listen as Ron Courser reviews the 4 approaches to addressing Long- Term Care in retirement.
NOT HAVING A “GRIP” ON YOUR RETIREMENT - Get a “GRIP!” Your “Guaranteed Retirement Income Plan” (Social Security & Pensions) provides a foundation. By maximizing your G.R.I.P in retirement, you help secure your lifestyle and financial stability. Listen as Ron Courser discusses this topic and more on this week’s episode of A Course to Retirement.
The Countdown to Retirement - ARE YOU READY TO RETIRE? - Do you know how long you would be able to generate the income you need if your paycheck stopped today? Have you identified and calculated your retirement Income Gap? Listen as Ron Courser discusses what you need to know to be ready to retire on this week’s episode.
On the day that you decide to retire, your lump sum that you have saved and accumulated is what will instill the confidence to pull the trigger. The planning process helps you figure your “retirement number” - a ballpark estimate of the amount this lump sum needs to be. Listen as Ron Courser discusses savings and financial independence on this week’s episode.
Whether for a cause, an institution, or your family, leaving a legacy can be done. In some cases, your gift may even be able to be given during your own lifetime. Listen as Ron Courser discusses charity & leaving a legacy on this week’s episode of A Course To Retirement.
Don’t leave your money behind!! This is another big opportunity to take control, and there are lots of orphans and abandoned 401(k)’s.
Working in coordination, your financial, tax, and legal plan can operate very efficiently. If any of these elements are out of sync however, it can cause unintended and, in some cases, disastrous consequences. Listen as Ron Courser discusses legal protections on this week’s episode.
Whether you will be able to live the life you want after retirement or not depends on how well you have planned and invested for your long-term financial security. In this week’s episode, Ron Courser discusses the goals of a retirement income plan.
Retirement is chock full of stories of peril and mistakes. A qualified financial professional has a perspective through experience. Listen as Ron Courser talks about why experience can be beneficial to those looking to do this once and do it successfully.
Now would be a great time to do a financial spring cleaning. You’ve had plenty of time around the house to knock out projects and binge watch everything there is to see on Netflix. How much time did you spend tidying up your financial life? Listen as Ron discusses this topic and more on this week’s episode.
EVERYONE needs a plan! We need to plan to be able to support ourselves and always want to plan to support loved ones that may depend on us. Since we never want to become dependent or burden our loved ones, planning for ourselves has to be the top priority. Listen as Ron discusses the importance of planning for yourself to protect your loved ones!
Having a 401(k) can be a great benefit, especially if there is a generous match from your company. But, it’s far from perfect as a retirement savings vehicle. Listen as Ron Courser discusses the things that people should consider as it relates to their 401k on this week’s episode.
Instead of taking losses, gaining back, saving more, working longer, worrying if another downturn is around the corner, why not consider protecting your principal?
The economy has been deeply impacted. Unemployment is soaring. Stimulus measures aimed at helping those affected and impacted, but how long can that last and how much will it help? And what are the negative consequences?
With all the events of the past few months, there is a lot to take in. There is also a lot that could help lead to your long-term financial success. Yes! Even in times like this.
In these volatile, uncertain, unprecedented, and (quite frankly) scary times, how do you add some stability to your financial life, or even your life in general?
If properly positioned, downturns in the market can present great opportunities. Moving to strategies that are more aggressive or depositing additional funds in downturns can mean buying at prices that are at a great value, or “on-sale”.
If you follow the 4% rule and are able to cover your bills, but then the market falls 50%, your bills do not fall 50% to match your asset base. Therefore, you now experience Sequence Risk and lock in gains with an even larger percentage of your portfolio.
Your withdrawal rate is different from the rate of return. Rate of return is how much money the money you have invested makes. Withdrawal rate is removing money from the account and from the potential to make any further returns. Listen to Ron Courser discuss this and more in this week's episode of A Course to Retirement.
We are hearing a lot about the Coronavirus and its effects on the global economy. It is always a risk that something like this will come out of the left-field, upset the markets and create volatility.
You can choose to “shelter” your investment and retirement assets under one of three possible “umbrellas” - Taxable (non-qualified), tax-deferred (Traditional IRA’s and 401(k)’s), or tax-free (Roths & certain life insurance).
On this episode of A Course To Retirement with Ron Courser, Ron talks about how to prepare for those unexpected financial surprises .
As we wrap up the year, on this episode we go over 149 things you wanted answers for when it comes to your financial plan.
In this episode, we continue our discussion of financial planning topics you need to know about when planning for retirement. You need to plan for the income gap, you need to know the amount that is going to be coming in every month, and you need to make sure you do not run out of money.
On this program, we will discuss several big financial topics in small, bite-sized pieces. We won’t go into too much depth on any specific topic because these are ALL important!
Ron Courser goes over a new article from Forbes that talks about ways of not going broke in retirement.
Ron Courser discusses an article by Forbes on the importance of having a retirement income strategy. The 7 questions you should answer before entering retirement. If you have any questions or would like to talk to Ron Courser directly, you can reach us at 616-301-2581 or stop by: 2900 Charlevoix Drive Southeast Suite 310 Mon-Fri: 8:30 AM - 4:30 PM