Entries by admin

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Avoiding COVID-19 Scams

Scammers, fraudsters, and other criminals are taking advantage of rapidly changing data and facts associated with COVID-19, both in the workplace and in our homes. Government agencies, corporations, and news outlets continue to warn individuals to be mindful of increased fraudulent activities during these uncertain times. These scams, which can be sent via email, text […]

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Stocks are in chaos. Control the one thing you can.

The following article is courtesy of the Wall Street Journal By Jason Zweig March 13, 2020 With U.S. stocks down—at their worst—around 27% in 16 trading days, investors need to get out of the prognostication business. Nobody—not epidemiologists, not government officials, not economists and certainly not market strategists—can say how large an impact the coronavirus will […]


We are open for business!

While it is a good idea for most business offices to remain closed during this period (and in fact, some areas it is mandated), Cornerstone is set up technically to provide the same level of service remotely that we offer from our physical office. We have access to many items you might need during this […]

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Corona Virus Part 2

“The stock market takes an escalator up, and an elevator down,” is a classic Wall Street saying. The last week has sure felt like taking an express elevator down, as the end of February brought a historic stock market sell-off, with the S&P 500 Index moving from an all-time high to a 10% correction in […]

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Strategies for the Downturn

I’m sure you’ve seen the headlines, but if not, you should know that the global stock markets are dropping as a result of fears about the spread of the coronavirus.  The statistics keep changing, but currently by far the most deaths (2,664) have been confined to China, with 15 reported in Iran, 11 in South […]

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Lesser Known Provisions of the SECURE Act

What younger investors need to know. The SECURE Act passed into law in late 2019 and changed several aspects of retirement investing. These modifications included modifying the ability to stretch an Individual Retirement Account (IRA) and changing the age when IRA holders must start taking requirement minimum distributions to 72-years-old.1,2 While those provisions grabbed the […]


Measuring the Value of a Financial Advisor

One study asserts that these relationships can make a difference for investors. What is a relationship with a financial advisor worth to an investor? A 2019 study by Vanguard, one of the world’s largest money managers, attempts to answer that question. Vanguard’s whitepaper concludes that when an investor worked with an advisor and received professional […]


Bumps in the Road

The start of 2020 has brought increased stock market volatility. The uncharacteristically calm market environment we experienced for much of the past four months was bound to end, but identifying the catalyst for a potential sell-off became more difficult after the U.S.-China phase-one trade deal was signed. Not even the recent major escalation in the […]

Managing the National Debt

You probably know that the U.S. national debt is exploding, but if you don’t, try looking at the U.S. debt clock (https://usdebtclock.org/) which shows how high our national debt is every second (currently $23.2 trillion and counting).  Our federal budget deficit will exceed $1 trillion this year.  The clock says that the federal debt per […]


The Market Timing Hoax

A lot of “smart” investors will tell you that you should never invest when the market has been moving up, but instead should wait until there’s a pullback in order to buy at a bargain price.  But is that really a good strategy? The biggest problem with this strategy is that you never know when […]