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Estate & Insurance Planning

At Cornerstone Wealth Management, we believe that estate planning is the process of planning the accumulation, conservation, and distribution of an estate in the manner that most efficiently and effectively accomplishes your personal tax and nontax objectives. As part of our comprehensive Wealth Management Process, we will review your estate planning documents and discuss in depth your desired legacy, wishes for your family and philanthropic desires.

Life insurance is an important component of every estate plan. At Cornerstone Wealth Management, we view insurance as a means to mitigate the risk that you and your family are exposed to. We will review the quality and cost of existing coverage, and make recommendations based on exposed areas of your life that our comprehensive wealth management plan uncovers. Insurance is a tool to provide cash for the following due to an untimely death or disability:

  • Income needs for the family
  • Federal and state estate and inheritance taxes
  • Personal debts
  • Charitable gifting
  • Supplement to an individual’s retirement program
  • Disability Income
  • Long Term Care Expenses

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