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Insights

Because everything is interconnected - tax planning strategies can impact retirement planning, coordinating investment management and estate planning is important, and inadequate protection planning can jeopardize everything - We keep our clients continuously informed about potentially relevant issues through regular reviews as well as newsletters, reports and articles such as these:

What to Make of DOW 30k, Nov. 24, 2020


Weekly Market Commentary

A brief weekly update on the financial markets.

Sign up to recieve our Weekly Market Commentary and invitations to upcoming events via email. 


Insights Newsletter Fall 2020

Our latest perspective on financial planning news.


Monthly Market Review (Nov. 2020, pdf) - Raymond James

Positive news about the efficacy of three COVID-19 vaccines – and a timeline that could see distribution starting by the end of the year – drove the Dow Jones Industrial Average to close over 30,000 for the first time and other mainstream market indices to record-setting gains.


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Financial Journeys (Raymond James Newsletter) Fall 2020

In this issue:

Your post-CARES Act guide: 

Wondering what effects this legislation could have on your year end planning? Find help deciphering the fine print.

  Find out more about the CARES Act here.  

11 Ways to help revive your retirement savings

The unofficial guide to American Snowbirds: One study showed that by age 61, most people feel free enough to live wherever they want. If you're planning to head south you'll want to give some thought to what it really means to leave your home - temporarily - and establish a new one.


Successful Women (Raymond James Newsletter) Fall 2020

In this issue:

Close the gap: There’s a gender gap in life insurance, and the old rules for how much coverage you need may no longer apply.

Cash fact or fallacy? Combat common cash myths with cold, hard facts.

Tips from the top: Wise words from six wildly successful women.


Coronavirus, Unemployment, and Your 401(k)

Losing a job is always painful, but can be particularly intimidating when it occurs in the midst of a pandemic. One decision you will have to make is what do do with the money in your 401(k). Consider your options and the pros and cons of each.


Has the Economy Begun to Recover  (6/22/20)

Employment, payroll, and manufacturing numbers released in May and June suggested the economy may have hit bottom in April.


Understanding Required Minimum Distributions (RMDs)

RMDs defined, income tax implications, calculating RMD, FAQs


Required Minimum Distributions (RMDs) Waived for 2020

In addition to important provisions supporting individuals and businesses during this challenging period, the recently passed CARES Act also suspends required minimum distributions (RMDs) for 2020. The relief provided by this provision is broad and applies to traditional IRAs, SEP IRAs and SIMPLE IRAs, as well as 401(k), 403(b) and governmental 457(b) plans.


Secure Act Article

From increasing the RMD age to 72, to eliminating the "Stretch IRA", this bill includes some significant changes effective for 2020. 


Cares Act (April 2020)


Review some of the major provisions in the CARES Act related to retirement plans, distributions, and contributions.


Unemployment Insurance and the Stimulus Plan (April 2020)


Tax Report Q4 2019

Wealth management tends to be both complex and interdependent, and almost every financial action may have tax consequences. Cornerstone professionals stay current on the ever-changing tax environment to help you recognize tax reducing opportunities.


Check This List - Twice - Before Year-End


Market Volatility

Market volatility can happen at any time. While we can't control what happens in Washington or on Wall Street, we can control how we prepare for and respond to the resulting gyrations. Visit this page to hear from Cornerstone's advisors and learn more, including why the markets care about the coronavirus and historical market performance during and after past epidemics.

Watch this 6.5 minute video of Daniel Reinders, Wealth Advisor, sharing thoughts from Cornerstone's Wealth Advisors on stock market volatility. 

Business Dimensions

Entrepreneurs and small business owners will find articles about company management, financing and other timely issues impacting small business.



Raymond James Financial Advisors do not render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.