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Long-Term Care

Our goal is to make your life easier. Caring for a loved one with Alzheimer’s or dementia can be highly stressful for caregivers and family members. Providing answers on how to financially prepare for these conditions is one way we can help. Read this guide for tips on how to prepare for the physical, financial and emotional impact of Alzheimer’s or dementia.

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Millennials

For Millennials, managing life and finances comes with challenges, especially those like balancing college debt with home ownership and having important goals like saving for retirement. Download this whitepaper for tips on how Millennials can get started on the path to the confident financial future that they seek.

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Estate Planning

Often, people believe that estate planning only benefits the very wealthy, but nothing could be further from the truth. It’s something everyone needs to engage in regardless of age, estate size or marital status. If you have a bank account, investments, a car, home or other property—you have an estate.

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2016 Social Security Benefit Guide

If you are eligible to apply for Social Security benefits in 2016, what you do now could make a significant difference in your total lifetime benefit. When you choose to take your benefits and how you coordinate with your spouse is one of the most important social security decisions you will make. This guide is designed to answer some of the most common questions regarding Social Security and clarify how the new law may impact you.

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Do You Know Your Family Index Number?

Long-term financial security is a goal most investors aspire to, yet accomplished individuals and families know that attaining this objective requires more than hard work and luck. At Cornerstone Wealth Management Group, we believe advancing and protecting a lifetime of wealth requires a personalized and focused approach that begins with determining your Family Index Number—the individual rate of return you need to achieve your goals and objectives with confidence.

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Finding Business Liquidity Using an Entrepreneur Recapitalization (E-Recap)

Is your business your largest asset? A 2014 CNBC study revealed that most business owners have 70% of their wealth invested in their firm, with 20% of owners having over 80% of their wealth in their business. This presents several challenges, including increased financial risk and
lack of liquidity.

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Funding Small Business Ownership Transfers

About 80 percent of U.S. business owners say they want to pass their family business on to the next generation, but research shows that only 33 percent are successful in the transfer (Chief Executive Magazine). Sometimes, the transfer of the business and resulting financial challenges doom the company to failure. A loan facilitated by the Small Business Administration (SBA) may allow business owners to sell their business and leave a healthy company to the next generation.

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Back 2 Basics

The good news is that American households have a total net worth of $85.2 trillion. The bad news is that most families are still behind where they were financially in 2007. In a recent survey, over half of Americans said they had less than $1,000 in their checking and savings accounts combined.

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Investment Process

As investors, we would all like to effortlessly beat the markets, buying and selling investments based on brilliant timing, instinct and a little luck. But most of us realize it’s not that easy.

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Seasons of Investing

For wealth advisors, employing a sell discipline is based on constantly monitoring each investment and each client portfolio for any changes that could affect current prospects and future earnings. Sometimes investments have reached a point of maximum, or near-maximum, growth. Other times changes in the economy as a whole dramatically impact the outlook for certain investments. A wealth advisor’s goal is to not only select the right securities and investments to buy but also to select the right time to sell. In a larger sense, the goal is to accept small losses in order to avoid large losses. The goal is not only to grow a client’s wealth but also to preserve that wealth.

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