You’ve done the hard part
If you’ve been the one handling the money for 30 years, you know the rules are about to change.
Accumulating wealth can be simple because the big decisions are decades away. But the transition from accumulation to drawing off your portfolio can be fraught with mistakes. The 401(k) rollover you’ve been putting off, the Roth conversion windows narrowing, the pension election that’s irreversible once you make it, these are different problems than what you’ve faced the last 30 years.
That’s what this service exists for. And it’s built for both of you, not just the one who usually handles the money.
✓ No cost, no pressure
Flagship Service
Cornerstone Investment Management
Professional investment management and a plan covering your whole financial life. Everything you need for the transition from saving to spending.
Who It’s For
- ✓ Married couples, ages 55–70, with $750,000 or more in investable assets — IRAs, 401(k)s, taxable accounts, or a combination
- ✓ 3–7 years from retirement, facing decisions that reward getting right: RSU vesting, concentrated stock positions, equity compensation, pension elections, or Roth conversion windows
- ✓ Couples who want both spouses engaged in the plan — not just one managing everything while the other is kept in the dark
What’s Included
A written, personalized document defining your goals, risk parameters, and investment strategy
Custom allocation built around your goals and stage of life
Ongoing portfolio oversight, monitoring, and adjustments when your plan or markets shift
Tax strategy, Roth conversions, IRMAA planning, Social Security timing, and retirement income design — no additional fee, no threshold to qualify
Access your account easily and conveniently online and receive performance updates via email.
A formal annual review to confirm your strategy still reflects your goals as life and markets change
Investment Process
Understand Your Risk
We talk through how much risk your plan can withstand versus what you can actually live with. It’s important to understand the difference.
Look at What the Market Offers
We look at what stocks, bonds, and other investments are realistically expected to return based on published research, not headlines or hunches.
Build Your Mix
Combine different types of investments into a mix custom-designed to help you reach your goals, on your timeline. No one-size-fits-all solutions.
Fee Schedule
| Portfolio Value | Annual Fee Rate | Example: $1 Million Portfolio | Example: $3 Million Portfolio |
|---|---|---|---|
| First $1,000,000 | 1.25% | $12,500 | $12,500 |
| Next $1,000,000 ($1M–$2M) | 0.75% | — | $7,500 |
| Above $2,000,000 | 0.50% | — | $5,000 |
| Blended Annual Fee | — | $12,500 (1.25%) | $25,000 (~0.83%) |
Financial planning included for all clients with $750,000 or more under management.
One-Time Engagement
Second Opinion
An independent look at your portfolio — before you retire.
You may already have an advisor. The Second Opinion isn’t a pitch to replace them, it’s a professional review of your current portfolio before a major transition. Most people approaching retirement have never had their portfolio examined by someone with no stake in the outcome.
This is an honest, standalone engagement. You’ll receive a clear written assessment of your allocation, fee structure, and risk exposure — plus a 60-minute debrief to walk through the findings. No sales pitch. No follow-up pressure. Just clarity.
If the review confirms your current strategy is solid, you’ll have that confidence going into retirement. If it surfaces something worth addressing, you’ll know what to ask your advisor — or who else to call.
What’s Included
- ✓ Full review of your current portfolio allocation
- ✓ Fee and investment cost analysis
- ✓ Risk assessment relative to your stated goals and timeline
- ✓ Written summary with specific, actionable recommendations
- ✓ 60-minute debrief call to walk through findings
Flat Fee
One-time engagement. No retainer. No ongoing obligation. Due in full at engagement.
Request a Second OpinionReady to invest with a professional?
Schedule a 30-minute introductory call — no pressure, no pitch, just a direct conversation about whether this is the right fit.
Schedule a ConversationAdvisory services offered through Financial Empowerment LLC, an investment adviser registered with the state of Texas. Registration does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Financial Empowerment LLC and its representatives are properly registered or exempt from registration.
The information on this site is not intended as tax, accounting or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable.
The information on this site is provided “AS IS” and without warranties either express or implied and the information may not be free from error. Your use of the information provided is at your sole risk.
Past performance is not a guarantee of future results. Investments are not guaranteed and may lose value. Different types of investments involve varying degrees of risk. There can be no assurance that a specific investment will be suitable or profitable for a client’s portfolio. This site contains forward-looking statements which are aspirational in nature. There can be no assurance that the author’s views will come to pass.
Indexes are unmanaged measures of market conditions and do not incur fees or transaction costs, the payment of which would decrease the reported performance. It is not possible to invest directly in an index.
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