Cornerstone Retirement Partners
240 episodes - English - Latest episode: about 17 hours ago -Cornerstone Retirement Partners has operated as an independent financial advisory and Medicare firm for over 20 years. On our staff, we have professional financial advisors and Medicare specialists who cross train in a variety of retirement planning specialties. We assist working people with the process of retiring - helping them sign up for Medicare, Social Security, creating income plans from the wealth they have accumulated. We also coordinate with elder law attorneys to help retirees transition their wealth to their spouse or children while qualifying for Medicaid. We recognize that as investment fiduciaries, we are required to act in the best interest of our clients. That's why we take care of all aspects of retirement - not just your 401k.
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Episodes
2021 EP0424 - RON COURSER AND NOLAN GOSLEE - INCOME PLAN
April 24, 2021 16:00 - 55 minutes - 76.9 MBOn this week’s episode Nolan Goslee will be addressing the numerous risks that concern retirees, and how many of them can be addressed through having a specific, systematic, and written plan for generating retirement income.
2021 EP0417 - YOUR COURSE TO RETIREMENT - 401K
April 17, 2021 16:00 - 55 minutes - 76.9 MBOn this week’s episode Ron Courser discusses what you need to know about participating in your 401(k) or the retirement plan offered through your employer.
2021 EP0410 - RON COURSER - ROTH OPPURTUNITIES
April 12, 2021 01:00 - 55 minutes - 76.8 MBROTH CONVERSION OPPORTUNITIES – On this week’s episode Ron Courser will be discussing controlling (& minimizing) your tax liability through retirement.
2021 EP0403 - RON COURSER - LAST MINUTE TAX MOVES
April 05, 2021 01:00 - 55 minutes - 76.8 MBLAST MINUTE TAX MOVES – Where you earn money and where you keep money will determine how you are taxed, how much you pay in taxes, and how many times you pay taxes on each dollar. On this week’s episode Ron Courser talks strategy and some last-minute tax moves to consider that can substantially lower your bill.
2021 EP0327 RON COURSER - DEBIT,CREDIT,BUDGET & INCOME FULL
March 29, 2021 00:59 - 55 minutes - 76.8 MBDEBT, CREDIT, BUDGET & INCOME – Current low interest rates have hurt savers and prompted borrowers to extend their limits without immediate pain. How has this played into financial and retirement planning? Listen as Ron Courser discusses this topic and more on this week’s episode.
2021 EP0320 RON COURSER - ANNUITIES
March 22, 2021 00:59 - 55 minutes - 76.8 MBTAXES (PLANNING VS FILING) – By default, more of the tax assistance that people receive from their tax professional is historical/reactive. Are we missing the advice we need the most? Listen as Ron Courser discusses the importance of future tax planning on this week’s episode.
2021EP0313 RON COURSER - LUCK V PLANNING
March 15, 2021 01:00 - 55 minutes - 76.8 MBLUCK VS PLANNING – It is said that “luck favors the well prepared.” So, if we are well prepared, aren’t we in fact, probably putting ourselves in a position to be both good and lucky? Listen as Ron Courser discusses luck VS planning on this week’s episode.
2021 EP0306 - RON COURSER - WOMENS PLANNING
March 07, 2021 14:00 - 55 minutes - 76.8 MBTHE COUNTDOWN ISSUES – There are several ways you can offset retirement expenses and even increase your income throughout retirement. It starts with having sound information and making good decisions on how to generate income. This is just one topic that Ron Courser covers that should be addressed when counting down to retirement.
2021 EP0227 - RON COURSER - DON'T GO BROKE IN RETIREMENT- FULL
March 01, 2021 02:00 - 55 minutes - 76.8 MB(NOT) GOING BROKE IN RETIREMENT – People want to ENJOY retirement, but what if we enjoy it too much? How do we know what we can and what we cannot afford to do in retirement? Listen as Ron Courser discusses why it is important to have a plan put together that gives you this knowledge and confidence in retirement.
2021 EP0220 - RON COURSER - STEALTH TAXES
February 22, 2021 02:00 - 55 minutes - 76.8 MBUNDERSTANDING YOUR INVESTMENT OPTIONS – From the bank to annuities, Ron Courser discusses the different options when it comes to investing your money.
2021 EP0213 PROTECTING A SPOUSE RON COURSER - FULL
February 15, 2021 02:00 - 55 minutes - 76.8 MBPROTECTING YOUR SPOUSE – Buying life insurance has a cost but, it also has a benefit – the ability to leave loved ones with the financial means to cover our expenses and theirs after we are gone. Listen as Ron Courser discusses the importance of life insurance and more on this week’s episode.
2021 EP0206 YOUR COURSE TO RETIREMENT W NOLAN GOSLEE - RETIREMENT NUMBER
February 08, 2021 02:00 - 55 minutes - 76.8 MBCALCULATING YOUR RETIREMENT NUMBER – Even if running out of money is not your top concern, you still probably strive to be as efficient as possible with your money, and Income Allocation can help. Listen as Ron Courser discusses Income Allocation and more on this week’s episode.
2021 EP0130 YOUR COURSE TO RETIREMENT - YOUR PLAN
February 01, 2021 02:00 - 55 minutes - 76.8 MBYOUR PLAN – What are the ACTION ITEMS that can be executed NOW? Your plan should outline actionable steps for you to take to make progress towards your goals. Listen as Ron Courser discusses this topic and more on this week’s episode.
2021 EP0116 YOUR COURSE TO RETIREMENT - BACK ON TRACK - FULL
January 18, 2021 01:59 - 55 minutes - 76.8 MBGETTING SAVINGS BACK ON TRACK – We want to live comfortably, but we also want to be able to afford to live comfortably into the future when we are not earning an income. On this week’s episode Ron Courser will be talking about making the most of your savings opportunities, including the importance of budgeting.
2021 EP0102 - YOUR COURSE TO RETIREMENT - NOLAN - NEW YEAR - FULL
January 04, 2021 13:00 - 55 minutes - 76.8 MBIT’S (FINALLY) 2021! – We have made New Year’s resolutions related to our money and our financial well-being. Now how do we stick to them? Listen as Ron Courser discusses this topic and more on this week’s episode.
2020 EP1219 - YOUR COURSE TO RETIREMENT - RESOLUTIONS
December 21, 2020 02:00 - 55 minutes - 76.8 MBFINANCIAL RESOLUTIONS – An admirable financial resolution for the New Year is to grow your emergency fund. This is just one resolution that Ron Courser discusses in this week’s episode.
2020 EP1212 - YOUR COURSE TO RETIREMENT - PANDEMIC - FULL
December 14, 2020 13:00 - 55 minutes - 76.8 MBTHE HOLIDAYS – Are you hearing from your financial professional this time of year? Are you reviewing your plans? Listen as Ron Courser discusses the importance of meeting with a financial professional this time of year.
2020 EP1205 YOUR COURSE TO RETIREMENT END OF YEAR PLANNING
December 07, 2020 02:00 - 55 minutes - 76.9 MBEND OF YEAR PLANNING – RMDs are usually a big end of year to-do. This year they are not required, but perhaps a conversation about tax planning should be happening instead. Listen as Ron Courser discusses this topic and more on this week’s episode.
2020 EP1121 YOUR COURSE TO RETIREMENT - THANKSGIVING
November 23, 2020 02:00 - 55 minutes - 76.8 MBMUCH TO BE THANKFUL FOR – Even though this year has been full of uncertainty and stress, there is still much to be thankful for. Ron Courser discusses this and more in this week’s edition of Your Course To Retirement.
2020 EP1114 YOUR COURSE TO RETIREMENT - RISK & PROTECTION
November 16, 2020 02:00 - 55 minutes - 76.8 MBMARKET RISK & PROTECTION – The balance of risk and safety is a constant discussion and point of concern. How can we identify risk and gauge whether it is appropriate? Listen as Ron Courser discusses issues and solutions when considering the opportunity for growth, risk, and risk exposure on this week’s episode.
2020 EP1107 YOUR COURSE TO RETIREMENT - ROTH PT2
November 09, 2020 01:59 - 55 minutes - 76.8 MBROTH CONVERSION STRATEGIES – “Taking advantage of downturns”: When downturns do happen, there may be an “opportunity in crisis” to proactively pay taxes on a lower amount. This is just one conversion strategy that Ron Courser will discuss when talking about ROTH IRAs in this week’s episode.
2020 EP 1031 YOUR COURSE TO RETIREMENT W NANCY COURSER - MEDICARE
November 04, 2020 20:03 - 55 minutes - 76.8 MBMEDICARE - It's that time of year again! Medicare open enrollment is from October 15th - December 7th. You should always review your plan and make sure it is the best one for your situation. Listen as Nancy Courser discusses Medicare and the many options available on this week's episode.
2020 EP1024 - YOUR COURSE TO RETIREMENT Ron Courser - Roth Pt1
October 26, 2020 01:00 - 55 minutes - 76.8 MBROTH PART 1 – Most of us want to do everything we can to control our tax bill and to address any potential future risks and uncertainties. Roth IRAs can help us accomplish these goals in several ways. Listen as Ron Courser discusses this topic and more on this week’s episode.
2020 EP1017 - YOUR COURSE TO RETIREMENT - RISK
October 19, 2020 01:00 - 55 minutes - 76.8 MBTAKING RISK – What is risk and how much should you be taking? Why is risk a component of most financial/investment plans? In this week’s episode, Ron Courser will be addressing risk and how to identify it.
2020 - 10 - 03 Ron Courser - 10 Steps To Planning
October 05, 2020 01:00 - 55 minutes - 76.8 MB10 STEPS TO PLANNING – Defining your income gap and understanding the math behind how much income your portfolio will need to generate in retirement should be one goal of your income plan. In this week’s episode Ron Courser discusses 10 steps to take to help reach your retirement goals and why defining your income gap is such an important step.
2020 - 09 - 26 Ron Courser - Inflation And The Fed
September 28, 2020 01:00 - 55 minutes - 76.8 MBTHE FED, INFLATION, AND MOVIES – The Federal Reserve has a new strategy that comes with major risk. Listen as Ron Courser discusses these risks and more on this week’s episode.
2020 - 09 - 19 Ron Courser FULL - Income Planning Goals
September 23, 2020 01:29 - 55 minutes - 76.8 MBRETIREMENT INCOME PLANNING - The risks to our financial security in retirement are not only limited to how much we withdrawal and what we do with our money, they can also result from what happens to our money before we make any withdrawals. Listen as Grand Rapids CFP® Ron Courser discusses this topic and more on this week’s episode.
2020 EP0912 Your Course To Retirement w CFP® Ron Courser - "Measuring Results"
September 14, 2020 19:28 - 55 minutes - 76.8 MBMEASURING RESULTS - Procrastination is caused by mixed emotions and often causes missed investment opportunities. Listen as Ron Courser discusses the emotions involved with common investing mistakes and how we gauge and measure our performance.
EP 200905 A Course To Retirement - Money In Motion
September 08, 2020 20:18 - 55 minutes - 76.8 MBMONEY IN MOTION – REBALANCING: Regular rebalancing is important for long term financial progress and success. Rebalancing periodically allows you to capture gains when they are present and to reduce the possibility of excessive losses in downturns. This is just one of the 8 moments to move your money that Ron discusses in this week’s episode. Reach Ron Courser & Associates by calling (616) 301-2581 or visiting www.roncourser.com
EP 200829 A Course To Retirement - 7 Financial Myths
August 31, 2020 18:15 - 55 minutes - 76.8 MBReach CFP® Ron Courser by calling (616) 301-2581 “7 FINANCIAL MYTHS” THE MARKET ALWAYS GOES UP - The market has gone up over history but, it does not ALWAYS go up. In retirement, it is not a matter of the market going up “over time.” If you are reliant on the market for your retirement, it only matters if the market goes up when you need it to. This is just one of the “7 Financial Myths” that Ron Courser covers on this week’s episode.
EP 200822 A Course To Retirement - Reasons You Might Go Broke In Retirement
August 24, 2020 18:30 - 55 minutes - 76.8 MBReasons you might go broke in retirement – You live too long. Unless you have good planning and spend carefully living too long can be a financial liability. Listen as Ron Courser discusses multiple reasons you might go broke in retirement without the right plan.
EP 200808 A Course To Retirement - Social Security and Retirement Planning
August 12, 2020 17:27 - 55 minutes - 76.8 MBSocial Security is a cornerstone of retirement planning. There far more choices than most people realize and very little education on how to make an informed decision on how to claim effectively. Listen as Ron Courser discusses Social Security and retirement planning on this week’s episode.
Ep 53 A Course To Retirement - Final Countdown: Longevity and Income
August 05, 2020 15:28 - 55 minutes - 76.8 MBLongevity and Income Planning - The most important factor in determining your lasting financial success is...INCOME! The INCOME PLAN is what supports your lifestyle and your investment plan. Listen as Ron discusses longevity & income planning on this week episode.
Ep 52 A Course To Retirement - Countdown to Retirement - PART 3
July 29, 2020 14:54 - 55 minutes - 76.8 MB4 APPROACHES TO LONG-TERM CARE: Traditional Long-Term Care Insurance can be costly but, not as costly as not having taken step to protect yourself and your loved ones from the possibility of incurring care expenses out of pocket. Listen as Ron Courser reviews the 4 approaches to addressing Long- Term Care in retirement.
Ep 51 A Course To Retirement - Countdown to Retirement - PART 2
July 20, 2020 20:05 - 55 minutes - 76.8 MBNOT HAVING A “GRIP” ON YOUR RETIREMENT - Get a “GRIP!” Your “Guaranteed Retirement Income Plan” (Social Security & Pensions) provides a foundation. By maximizing your G.R.I.P in retirement, you help secure your lifestyle and financial stability. Listen as Ron Courser discusses this topic and more on this week’s episode of A Course to Retirement.
Ep 51 A Course To Retirement - Countdown to Retirement
July 20, 2020 20:05 - 56 minutes - 76.8 MBNOT HAVING A “GRIP” ON YOUR RETIREMENT - Get a “GRIP!” Your “Guaranteed Retirement Income Plan” (Social Security & Pensions) provides a foundation. By maximizing your G.R.I.P in retirement, you help secure your lifestyle and financial stability. Listen as Ron Courser discusses this topic and more on this week’s episode of A Course to Retirement.
Ep 50 A Course To Retirement - Countdown to Retirement - PART 1
July 15, 2020 17:42 - 55 minutes - 76.8 MBThe Countdown to Retirement - ARE YOU READY TO RETIRE? - Do you know how long you would be able to generate the income you need if your paycheck stopped today? Have you identified and calculated your retirement Income Gap? Listen as Ron Courser discusses what you need to know to be ready to retire on this week’s episode.
Ep 50 A Course To Retirement - Countdown
July 15, 2020 17:42 - 56 minutes - 76.8 MBThe Countdown to Retirement - ARE YOU READY TO RETIRE? - Do you know how long you would be able to generate the income you need if your paycheck stopped today? Have you identified and calculated your retirement Income Gap? Listen as Ron Courser discusses what you need to know to be ready to retire on this week’s episode.
Ep 49 A Course To Retirement - 4th of July
July 08, 2020 16:28 - 56 minutes - 77 MB4th of July special program with Ron Courser.
Ep 48 A Course To Retirement - Financial Independence
June 30, 2020 18:33 - 56 minutes - 76.8 MBWhat is the ultimate goal with your money? In this week’s episode, Ron Courser discusses what true financial freedom really means and what you should be doing with your money in order to achieve it.
Ep 48 A Course To Retirement - SAVINGS & FINANCIAL INDEPENDENCE
June 30, 2020 18:33 - 55 minutes - 76.8 MBOn the day that you decide to retire, your lump sum that you have saved and accumulated is what will instill the confidence to pull the trigger. The planning process helps you figure your “retirement number” - a ballpark estimate of the amount this lump sum needs to be. Listen as Ron Courser discusses savings and financial independence on this week’s episode.
Ep 47 A Course To Retirement - Leaving a Legacy
June 24, 2020 18:14 - 55 minutes - 76.8 MBWhether for a cause, an institution, or your family, leaving a legacy can be done. In some cases, your gift may even be able to be given during your own lifetime. Listen as Ron Courser discusses charity & leaving a legacy on this week’s episode of A Course To Retirement.
Ep 46 A Course To Retirement - Income Hole And 401k
June 17, 2020 18:36 - 55 minutes - 76.8 MBDon’t leave your money behind!! This is another big opportunity to take control, and there are lots of orphans and abandoned 401(k)’s.
Ep 45 A Course To Retirement - Comprehensive Review
June 10, 2020 19:43 - 55 minutes - 76.8 MBWorking in coordination, your financial, tax, and legal plan can operate very efficiently. If any of these elements are out of sync however, it can cause unintended and, in some cases, disastrous consequences. Listen as Ron Courser discusses legal protections on this week’s episode.
Ep 44 A Course To Retirement - Goals And Risks
June 03, 2020 19:13 - 55 minutes - 76.8 MBWhether you will be able to live the life you want after retirement or not depends on how well you have planned and invested for your long-term financial security. In this week’s episode, Ron Courser discusses the goals of a retirement income plan.
Ep 43 A Course To Retirement - Where Are We Now
May 27, 2020 18:26 - 55 minutes - 76.8 MBRetirement is chock full of stories of peril and mistakes. A qualified financial professional has a perspective through experience. Listen as Ron Courser talks about why experience can be beneficial to those looking to do this once and do it successfully.
Ep 42 A Course To Retirement - Spring Cleaning
May 20, 2020 19:18 - 55 minutes - 76.8 MBNow would be a great time to do a financial spring cleaning. You’ve had plenty of time around the house to knock out projects and binge watch everything there is to see on Netflix. How much time did you spend tidying up your financial life? Listen as Ron discusses this topic and more on this week’s episode.
Ep 41 A Course To Retirement - Mothers Day
May 13, 2020 18:33 - 55 minutes - 76.8 MBEVERYONE needs a plan! We need to plan to be able to support ourselves and always want to plan to support loved ones that may depend on us. Since we never want to become dependent or burden our loved ones, planning for ourselves has to be the top priority. Listen as Ron discusses the importance of planning for yourself to protect your loved ones!
Ep 40 A Course To Retirement - Missing Financial Ingredient
May 06, 2020 17:55 - 55 minutes - 76.8 MBHaving a 401(k) can be a great benefit, especially if there is a generous match from your company. But, it’s far from perfect as a retirement savings vehicle. Listen as Ron Courser discusses the things that people should consider as it relates to their 401k on this week’s episode.
Ep 39 A Course To Retirement - New Normal
April 29, 2020 18:06 - 55 minutes - 76.8 MBInstead of taking losses, gaining back, saving more, working longer, worrying if another downturn is around the corner, why not consider protecting your principal?