Why Choose Us?

Simply put, Cornerstone Insurance Solutions, LLC is more concerned with “what’s in it for you” than what’s in it for us.  You’ll hear from any number of competitors about their experience, technical prowess, superior service and so on.  All of that is extremely important to us as well, but what we’ve come to realize is this:

“If we take the time to carefully listen to and care for our clients, if we help enough of them
get what they want by explaining or simply showing them how and what we do for them benefits them, then
we will enjoy the rewards of their friendship and the success of our efforts.”

What we often see are financial and retirement plans based upon the two “strategies” of hope and/or helplessness.  We find people of all ages “hoping” that the stock and bond markets will be kind to them.  Young parents hope they can save enough to send the children to the college of their choosing (and still have enough for their own retirement plans). Retirees feel “helpless” when they find they haven’t saved enough or discover that taxes will consume a big chunk of any investment gains they’ve had.  Still others hope their nest egg will be able to keep up with inflation and prevent their return to work.  Neither hope nor helplessness are strategies, they are emotions.

What we do is stated in our company name…..we provide guaranteed “insurance solutions” designed to solidify hope and defeat feelings of helplessness.  We help singles or families in two different stages of life:

• We help those ages 25 – 50 create a “personal economy” designed to change how they think about and use money.  We can show them how to “find money,” stick to a budget and create tax free savings in their 20’s, 30’s or 40’s and enjoy financial freedom for life….including a tax-free retirement (when structured properly).
• We also help anyone from the pre-retirement age of 50 to those just starting to make retirement distribution plans at age 60 – 65.  Corporate sponsored defined benefit pension plans have all but disappeared, but if you have one, we can help you avoid serious mistakes when it comes to retirement income selections.  If you don’t have a satisfactory personal pension plan, or all that you do have is tied up in a money sapping 401k plan, we can help you establish an income you can’t outlive without risk to your principal.

We believe cash value life insurance and disability income protection are fundamental to every family’s financial security.  Further, for those that have already accumulated a modest amount of cash or capital reserves, we believe that fixed indexed annuities can be one of the most tax efficient and cost effective instruments for safely growing, preserving and distributing income without risk or waste. By using a constantly emerging and improving variety of equity index linked life insurance and annuity products, our clients can enjoy market like growth of their assets without the risk of losing a single penny.

Finally, we understand the choices you have in the investment and insurance world can seem overwhelming.  Truth be known, the choices may be too numerous.  As a result, we’ve purposefully reduced the number of areas we will address and products that we will offer and service. 

This strategy allows our office to focus deeply in just a couple of key areas while deferring/referring to expert advisors in other practices.  If equity investment plans are needed or requested, we maintain relationships with advisors who demonstrate great skill and trustworthiness in that arena.  When crafting an estate plan, we will engage an estate planning attorney from the outset. Questions about Long Term Care or property and casualty insurance, tax laws or preparation, charitable giving and so on are handled by other allied professionals.  The result is a comprehensive strategy using a team approach with few, if any, conflicts of interest.

Our business is based on strong family values and a promise to help you get what you want when it comes to your personal economy or retirement plan.  We believe, in the complex world of “today,” transparency and clear communication is of great value and we look forward to earning your friendship.