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CORNERSTONE
NEXT / TAX PLANNING  

The Cornerstone Program™
 
A cornerstone is defined as “A stone forming a part of a corner or angle in a wall. A basic element.” 

The Cornerstone Program™ was created to provide advice on the fundamentals of financial planning and to teach and monitor the on-going components of financial management.  Compare with our comprehensive wealth management service, The Capstone Wealth Program™, with this Service Comparison Chart.


The Cornerstone Program™ process:

  • Establish and track your Net Worth.  This helps to create a better understanding of your overall financial situation and provides context to help us make better financial decisions as a team.
  • Plan and manage Cash Flow.  By using the First Step Cash Management System®, you will begin to understand how to use your resources to work towards the financial goals that are meaningful to you.
  • Establish and maintain a proper Emergency Fund.  Your emergency fund protects the rest of your financial life and goals.
  • Debt management and/or reduction.  Through the First Step Cash Management System®, we will develop a plan to reduce any debt you have, or to help you understand what an appropriate amount of debt would be before making any purchasing decisions.
  • Perhaps most importantly, establish and Track Goals.  By setting goals (usually 2 meetings up-front) and then meeting periodically (typically every 6 months) to review your progress, you will dramatically increase the likelihood that you will achieve your goals.
 
The Planning Center is a fee-only financial planning firm:
  • No commissions, sales loads, or surrender charges
  • Building and maintaining your financial security is our only incentive
  • Our only revenue is from the fees paid by our clients
  • No soft dollars or referral fees received from any recommendations to other professionals or services 

The price for The Cornerstone Program™:
 
  •  $100/month or $1,000/year paid up front (a 15% discount) 
  • For any services needed beyond what is included, such as Risk Profiling, Asset Allocation or Retirement Planning, there will be an additional charge of $250/hour to work through the modules