Ron Courser Podcast

Retirement planning can be confusing, and there's a lot of information out there. In this video, we break down six common myths that could be holding you back from a secure future. What do you need to know? Watch now to find out. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.

Curious about Roth conversions and how they might impact your retirement? In this episode, we dive into the essentials of Roth conversions and what they could mean for your financial future. Understanding your options now could make all the difference later. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.

This episode covers essential information about Social Security, including eligibility, benefits, and how to apply. Learn practical tips to make the most of your Social Security benefits. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.

In this episode, we explore the income gap, touching on its causes and effects. Get a broad perspective on this economic issue and its impact. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

In this episode, we cover the basics of annuities, life insurance, and long-term care (LTC). Discover the key points and considerations for each. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

In this follow-up video, we continue exploring common challenges in retirement planning. We'll delve into managing healthcare costs, adjusting investment plans, and preparing for unexpected financial setbacks. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

Planning for retirement can be challenging, with many potential roadblocks along the way. In this video, we'll discuss common obstacles such as debt, unexpected expenses, and inadequate savings, and share strategies to address these issues. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource

This episode explores the growing tension between Washington and Wall Street. With new regulations and policies targeting financial institutions, is Wall Street's dominance under threat? Discover the potential impacts on the economy, investors, and the future of finance in America. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

Are you ready to take the plunge into retirement and embark on a new phase of life? Meet Ron Courser, CFP®, your trusted partner in navigating the complex course through retirement planning. With his years of experience and expertise, Ron can help you address the six core issues that are crucial for a successful retirement journey. Don't wait to secure your retirement future. Contact Ron Courser today at (616) 301-2581 or visit his website at Cornerstone Retirement Planning to learn more about how he can assist you in addressing these vital retirement issues. Ron is committed to helping you enjoy a retirement that's as fulfilling as your working years. Get started on the path to a worry-free retirement with Ron Courser, CFP® as your guide.

In this episode, we explore how political decisions impact your retirement. Discover how elections, policy changes, and inflation influence your savings and financial security. Learn about social security adjustments and other critical factors that could affect your future. Stay informed about the political landscape to better prepare for your retirement. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

Planning for income in retirement is essential for financial stability. In this video, we cover key strategies for creating a solid retirement income plan. Discover different income sources, investment options, and tips for managing your savings. Whether you're close to retirement or just beginning to plan, this video offers useful insights to help you prepare. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Your Course To Retirement", Ron Courser, CFP® identifies the three largest expenses that can drain your wallet and derail your financial goals. He shares insights on how to minimize these expenses and take control of your finances. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

In this episode, we'll dive into the world of annuities, an important financial tool for retirement planning.

This episode covers essential information about Social Security, including eligibility, benefits, and how to apply. Learn practical tips to make the most of your Social Security benefits. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/. For more updates on when Cornerstone Retirement Partners uploads a new video follow these social medias Facebook - https://www.facebook.com/CornerstoneRetirementPartners Linkedin - https://www.linkedin.com/company/cornerstone-retirement-partners/ Twitter - https://twitter.com/Cornerstone_rp

On this program we will be addressing what we can do to protect our family's financial security. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at www.cornerstone-rp.com/. 

Unlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s behind. Plus, get expert insights on target date funds, managing risk, and understanding contribution limits and fees. Don't miss out on this opportunity to optimize your retirement strategy! Call now to get your personalized plan and take charge of your financial future in 2024 and beyond! For more information contact Ron Courser, CFP® and his team at Cornerstone Retirement Partners at (616) 301-2581 and visit the website at www.cornerstone-rp.com/.

Discover smart ways to structure your income! In this quick video, Ron Courser, CFP® shares practical tips to help you make the most of your earnings and investments to generate tax-advantaged streams of income. Whether you're self-employed or working a traditional job, optimizing your income can lead to greater financial stability. Watch now for actionable advice! Don't forget to subscribe for more content for Your Course To Retirement! For more information contact Ron Courser, CFP® at (616) 301-2581 and visit https://www.cornerstone-rp.com/ #IncomeStrategies #financialtips

Unveil Tax Season and Saving Strategies with Ron Courser, CFP®!

When planning for retirement, you want confidence. You want to know that your money is going to be well-managed while working towards retirement and protected once you are in retirement. You don't want to go through retirement not spending because you are worried you might not have enough. The retirement that you deserve should be fun, doing all the things you couldn't while you were at work, and it has to be based on a plan. Ron Courser, CFP® can help make sure you are not just relying on luck in retirement, that you actually have a true plan, and can guide you to the retirement you deserve. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit https://www.cornerstone-rp.com/.

For more updates on when Cornerstone Retirement Partners uploads a new video follow these social medias Facebook - https://www.facebook.com/CornerstoneRetirementPartners Linkedin - https://www.linkedin.com/company/cornerstone-retirement-partners/ Twitter - https://twitter.com/Cornerstone_rp If you perfer to listen to the videos they will be posted in audio form on this page. https://coursetoretirement.libsyn.com/site?_ga=2.18104057.175116293.1666642908-1281234911.1610478272 Financial Education Find out more information about Cornerstone Retirement Partners, request a consultations, or download the resources mentioned in today's episode by visiting www.cornerstone-rp.com Disclosure: Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and Cornerstone Retirement Partners are independent of each other.

For more updates on when Cornerstone Retirement Partners uploads a new video follow these social medias Facebook - https://www.facebook.com/CornerstoneRetirementPartners Linkedin - https://www.linkedin.com/company/cornerstone-retirement-partners/ Twitter - https://twitter.com/Cornerstone_rp If you perfer to listen to the videos they will be posted in audio form on this page. https://coursetoretirement.libsyn.com/site?_ga=2.18104057.175116293.1666642908-1281234911.1610478272 Financial Education Find out more information about Cornerstone Retirement Partners, request a consultations, or download the resources mentioned in today's episode by visiting www.cornerstone-rp.com Disclosure: Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and Cornerstone Retirement Partners are independent of each other.

Are you #readytoretire? Like, really ready? Not just tired of work and wishing to quit, but financially prepared for 20 to 30 years or more of unemployment? If you're retirement-minded and aiming for confidence when that day comes, tune in to this week's #YourCourseToRetirement as @RonCourser reviews the essential questions to answer to gauge your retirement readiness.

Are you wondering about the financial requirements for retirement? Join us in this insightful program where we'll dive deep into understanding your retirement number. We'll explore practical methods for calculating it, the significance of adopting an Income Allocation strategy to tackle this challenge, and the specific risks it can mitigate. Additionally, we'll outline key considerations for structuring the Income Allocation portion of your retirement plan. Don't miss out on this comprehensive discussion aimed at providing clarity and guidance on your path to a secure retirement. Contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

Often times we hear about “The Year In Review”, looking back at major events that have happened in the prior year. In our personal financial lives, this is also what we do during tax preparation. Filing taxes is literally putting together a personal “Financial Year In Review”, but we are planners. This is a show about planning. Planning is about looking forward and being proactive, not looking back, being historical, or being reactive. Certainly, we can gain some knowledge from history (maybe we should gain and retain a little more), but we have to plan ahead and keep moving forward. So, this is a show about the “Year In Preview” and some of the important topics and events we will cover in the year ahead. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

As you look forward to the approaching new year, ready to chart your course for 2024, the prospect of setting financial goals may be on your mind. Perhaps you're aiming to eliminate lingering student loans by the next holiday season or contemplating strategies to enhance your retirement plan. Unlike the transient nature of many New Year's resolutions, effective goal-setting requires careful consideration. Research indicates that the average New Year's resolution barely endures into the spring, and you may find yourself pondering a crucial question: How can I establish realistic and achievable financial goals for 2024? The answer lies in adopting a thoughtful approach and keeping key factors in mind from the outset. Fortunately, the pathway to setting and accomplishing high-quality financial goals is well within reach, and we're here to guide you through the essential considerations to ensure your success. For more information on this and many other important financial topics, contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

'Tis the season for thinking of family and friends, for gifting, giving, and generosity. For the holidays, we generally think of bows and packages in wrapping paper. Of course, these gifts cost money and we should try to be responsible with the way we spend throughout the holidays. On a larger scale, we should also consider our ongoing financial impact through gifting and giving strategies to family, as well as any outside gifts, giving, or donations we make to charities, churches, or organizations. We are in the midst of what has been dubbed the “Great Wealth Transfer” as the accumulated wealth of one generation of Americans transfers to the next. We should think proactively and plan strategically for how our wealth will be effectively preserved, protected, and utilized both during our lifetime, and after. Let's talk about planning for the holidays, planning for retirement, and gifting, giving, and donating our wealth. For more information on this and many other important financial topics, contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

You have always first and foremost had an income plan. When you set your alarm so that you get up to show up for work, put in your time and sweat equity to perform your tasks, and trade that time for money, that is your income plan. You plan to repeat that routine overtime to earn a living, manage your bills, and to support your ability to save for retirement. That is an income plan! The INCOME PLAN is what supports your lifestyle and your investment plan. The stability and predictability of the income you generate is what allows you to feel comfortable investing a portion of your money into accounts intended for years into the future during retirement. The income plan is what allows you to weather down market cycles without dramatic impacts to your lifestyle. The income plan is what provides you the means to have an investment plan at all. In both your working career and in retirement, you live on your income, not your assets, but the income plan is what you leave behind when you retire! You have to recreate it with assets! For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

There is no doubt this year has had its twists and turns especially for the market, and let's not even get into the personal and even global issues for financial progress. This year has had a host of challenges but, so will next year and the year after that. Tune into today's episode as Ron Courser, CFP® wraps up this year, gives insight on what may be coming as we look towards next year, and discusses how Cornerstone Retirement Partners can assist you in your path to retirement. To get assistance contact Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

 Are you ready to take the plunge into retirement and embark on a new phase of life? Meet Ron Courser, CFP®, your trusted partner in navigating the complex course through retirement planning. With his years of experience and expertise, Ron can help you address the six core issues that are crucial for a successful retirement journey. Don't wait to secure your retirement future. Contact Ron Courser today at (616) 301-2581 or visit his website at Cornerstone Retirement Planning to learn more about how he can assist you in addressing these vital retirement issues. Ron is committed to helping you enjoy a retirement that's as fulfilling as your working years. Get started on the path to a worry-free retirement with Ron Courser, CFP® as your guide.

One of the best opportunities to prepare assets for retirement occurs when we have the opportunity to access retirement accounts at 591/2. First, at age 591/2 you have the ability to pull from retirement accounts without the additional 10% penalty. If you need income to support yourself, this is the traditional milestone that allows you to utilize tax-deferred accounts like 401(k)'s and IRA's. Additionally, more and more employer sponsored retirement plans are allowing participant employees to remove funds from the employer's plan and reposition them to their own Individual Retirement Accounts, while still continuing to work and participate in future and on-going contributions, as well as continue to capture any company matching. This can be advantageous in offering the ability for a wider range and selection of investment options and selecting vehicles more appropriate for retirement goals. It also can allow for greater flexibility for things like the consideration of Roth conversions to manage taxes in retirement. For more information contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

5 Common #FinancialMistakes - Retirement involves the delicate task of both growing your savings for the future and managing your current income for your #retirementexpenses. While there is no foolproof method for achieving this balance, there are recommended practices that can be followed to minimize common mistakes. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/.

Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Your Course To Retirement", Ron Courser, CFP® identifies the three largest expenses that can drain your wallet and derail your financial goals. He shares insights on how to minimize these expenses and take control of your finances. To connect with Ron and learn more about his financial planning services, you can contact him directly at (616) 301-2581 or visit his website at Cornerstone-rp.com. With Ron's guidance, you can make informed decisions about your finances and build the financial future that you deserve. Don't miss out on this valuable resource!

What are annuities? What do they do? What do they not do well? Why do they seem to have a negative reputation? How do they function? What role can they play in comprehensive retirement planning? On this program, we will examine annuities. There are pro's, con's, benefits, disadvantages, and specific features to understand. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/

Taxes are the biggest expense between making money and keeping it, so taxes should be managed proactively too. On this episode, we will discuss Roth strategies as a means of controlling the expense of taxation on your wealth and discuss some specifics on the opportunity to take advantage and maximize your Roth balance. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/

In this episode, you can see what an average rate of return can do to an investment portfolio through the example graphics on the screen. Ron Courser, CFP®, explains and discusses the reasons behind potential issues that could arise if you stick with an average rate of return. However, there are indeed other alternatives instead of adhering to a singular outcome throughout retirement. This is because prices are not always going to remain the same for essentials like cars and groceries. Just this year alone, we witnessed eggs skyrocketing to $18 in price. Furthermore, Ron Courser, CFP®, delves into the possibility of experiencing losses despite your initial gains. For more information and to gain insights into the reasons behind this, watch this episode of 'Your Course To Retirement' presented by Ron Courser, CFP®, from Cornerstone Retirement Partners. If you have any questions, please feel free to contact Cornerstone Retirement Partners at (616) 301-2581 or visit their website at https://www.cornerstone-rp.com/

Tune in as Ron Courser discusses the difference between an #InvestmentPlan and an #IncomePlan. Ron Courser is a Certified Financial Planning professional with years of experience assisting proactive savers and investors structure plans to achieve their goals. Ron Courser, CFP® understands the risks, issues, and opportunities in retirement. For information, contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

Tune in as Ron Courser discusses the difference between an #InvestmentPlan and an #IncomePlan. Ron Courser is a Certified Financial Planning professional with years of experience assisting proactive savers and investors structure plans to achieve their goals. Ron Courser, CFP® understands the risks, issues, and opportunities in retirement. For information, contact Ron Courser, CFP® from Cornerstone Retirement Partners at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/. 

Of the six stealth taxes, all but one has been in existence for several years. Two of the stealth taxes are difficult to avoid due to their low-income threshold. While most of these stealth taxes may not kick in until retirement, planning for each stealth tax should begin several years before a federal employee retires and continues throughout his or her retirement. For more information contact Ron Courser at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

We have been taught that taking risks is a necessary part of making financial progress. Why? What is risk? How much you should be taking? How can risk be identified or quantified? What are the benefits, payoffs, potential drawbacks or dangers, and what is the true necessity of taking risk? We will discuss...risk, safe money strategies, pros and cons, striking a proper balance of risk and safety, and managing market volatility. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

We have been taught that taking risks is a necessary part of making financial progress. Why? What is risk? How much you should be taking? How can risk be identified or quantified? What are the benefits, payoffs, potential drawbacks or dangers, and what is the true necessity of taking risk? We will discuss...risk, safe money strategies, pros and cons, striking a proper balance of risk and safety, and managing market volatility. For more information contact Ron Courser, CFP® at (616) 301-2581 and visit the website at https://www.cornerstone-rp.com/.

SEASON FINALE LONGEVITY !!!! The risk multiplier! Living longer is a blessing we hope for. It also increases the likelihood that all other risks we have covered in this series will impact us. Over a longer life, we will experience more of them, potentially multiple times. Only by having a solid plan that addresses all the other risks and extended longevity can we truly experience lasting retirement confidence and quality of life. Contact Ron Courser, CFP® to plan specifically for Longevity in Retirement. Call (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.

Even at historically moderate rates, inflation will eat away at your spending power throughout retirement. Expenses often increase faster than retirement income keeps up. Over certain periods, inflation can quickly spike to even higher levels. Contact Ron Courser, CFP® to make sure your plan addresses Inflation Risk in Retirement. Call (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.

When planning for your kids to go to college, you have to consider and address their new living situation, college choice, classes, major, and most of all..... MONEY! Ron Courser, CFP® discusses the stress planning and paying for college can create, and how to plan for the money you will need to afford college life, including tuition, room & board, books, meals, supplies, and transportation. Ron Courser also discusses a few possible resources to help pay for those expenses. If you have any questions about this episode contact Ron Courser, CFP® at (616) 301-2581 and visit the website https://www.cornerstone-rp.com/.

Every dollar has a tax plan associated with it. Taxation is one of your largest known expenses in retirement. Deferred taxes during your working career and investment growth means more taxes in retirement on income withdrawals, as well as on inheritance. Deferred tax may also impact Social Security taxation and Medicare premiums. Tax rates and brackets could also potentially go up in the future. We have historically low tax rates today. Plan accordingly and proactively! Contact Ron Courser, CFP® to understand, plan, and control your taxes in retirement! Call (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.

Markets can fluctuate wildly and unpredictably. Your need for income generally is not so flexible. If income is generated from market-based investments, carefully consider how market losses may equate to income reduction and dependability. Contact Ron Courser, CFP® to make sure your plan addresses Market Volatility and Risk in Retirement (616) 301-2581, or visit the website at https://www.cornerstone-rp.com/.