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Areas of Experience

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Assessing situation

Assessing your situation is a very important part of the process. Our office will assist you with tracking your income and expenses. We will help determine your net worth and also help you establish an emergency fund.

Retirement Planning

The first step is to estimate your retirement income and expenses. Then we determine the amount of money you need to save to pursue your future retirement goals. Our team will estimate the value of government programs, and identify tax strategies to help minimize tax liabilities. 

investment planning

The team will review your experience and attitude about money and investing. We will assess your risk tolerance, including identifying your biggest concerns about investing. The next step is to develop an allocation strategy for each accumulation goal.

Tax Planning Strategies

Tax planning involves identifying potential tax liabilities and tax deferral strategies.  Staying current of tax law changes allows our team to support certain strategies and work closely with their tax advisor.

Crisis Protection

Helping to ensure your family's ongoing financial needs may be served when you die is critical. We can also help to navigate your family's needs in the event you become disabled or need special care.

Estate Planning Strategies

Evaluating your overall estate needs. We help to plan for orderly distribution of your estate. We assist you to provide for a legacy to loved ones and valued chariable organizations.

You have a choice to implement the recommendations in your financial plan on your own, with your Financial Planner or through another financial services professional. If you choose to implement your plan with your Financial Planner, he or she may sell other services and products to you in his or her capacities as (i) an investment adviser representative ("Advisory Representative"), (ii) registered representative of Pruco Securities, LLC, and/or (iii) a licensed insurance agent of Prudential (collectively "Prudential Representative".)

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Securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SPIC, and an affiliate of LPL Financial. Financial professionals are licensed insurance agents of Prudential. These financial professionals are permitted to brand under "Prudential." LPLE and LPL Financial are not affiliated with Prudential. LPLE and LPL Financial are not affiliated with Cornerstone Financial Services or Prudential. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney  or tax advisor for guidance on your specific situation.

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The Cornerstone Financial Services Agency does business in the following states:

    -Securities: [AZ, FL, IL, NV, UT]

    -Life Insurance: [IL, MO]

    -Variable Life Insurance: [IL, MO]

    -Mutual Funds: [IL, MO]

    -Fixed Annuities: [IL, MO]

    -Variable Annuities:  [IL, MO]

    -Property & Casualty:  IL

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Control # 1021101-00009-00

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