Fred McCutcheon- Retirement/Financial Planner

06/22/2026

Lot's of great info in this article! If you'd like to discuss your social security and investment options with a licensed professional, please give us a call or send a message. It's what we are here for and it costs you nothing for an in home or a phone consultation. We'd love to help you understand and navigate all your options during this crucial phase of your retirement planning!

Still working and putting off Social Security? Learn how delayed benefits affect your lifetime income, and how to find the break-even age that works for you.

06/18/2026

Moving into retirement with debit isn't what anyone wants to do. There is a LOT of advice out there about how to handle these concerns. But before you make any big moves, it's smart to speak to a licensed professional who can help you understand how to make the most of your retirement years and leave behind a legacy to your family, instead of debt!

To set up a free consultation, give us a call or send us a message! We are here to help you review your retirement with a well-rounded approach that considers ALL factors!

Many baby boomers are approaching retirement with debts that can be harder to manage once paychecks stop and surprise costs keep coming. See what their debt looks like.

06/16/2026

“Unfortunately, most retirees don’t have the financial means to self-insure for a healthcare crisis,” said Chris Giambrone, a certified financial planner in New Hartford, N.Y. “And most people don’t know with certainty that they’ve planned enough for such a crisis.

"Financial advisers ... can position your financial plan to withstand the strain of a prolonged, costly illness..."

Send us a message if you'd like to set up a consultation to discuss your options!

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05/25/2026

"A hero is someone who understands the responsibility that comes with freedom." This Memorial Day we thank all who have made sacrifices for our freedom.

05/14/2026

Wondering how much YOU will need to retire? Let one of our licensed advisors help you look over all your options and make sure you make the most of your retirement savings!

Americans estimate they need $1.46 million for a comfortable retirement, a recent Northwestern Mutual survey finds. However, figuring out your ideal amount for retirement will depend on many different factors.

05/11/2026

"...a growing number of retired individuals are now facing another frustrating expense: unexpected business fees. Banks, utilities, subscription services, insurance providers, and even local governments are adding charges that many seniors never anticipated while they were doing their retirement planning."

When you're on a fixed income, unexpected expenses can hit hard!

That's where working with a licensed advisor comes in handy! We frequently help clients find savings in other areas to help counter the cost of growing living expenses.

Let us help you:
✔️ Check to see if you qualify for a rate reduction on your Medicare Supplement
✔️ See if there are more affordable Life Insurance options available
✔️ Verify that you are getting the most out of your investments

If you'd like to talk, consultations are done at no cost to you. Send us a message!

More Retirees Over 60 Are Being Hit With Unexpected Business Fees

More Retirees Over 60 Are Being Hit With Unexpected Business Fees. Housing, healthcare, and inflation are typically at the top of retirees'“worry list.” However, a growing number of retired individuals are now facing another frustrating expense: unexpected business

04/27/2026

"Although the SSA doesn't consider anything about Medicare when calculating your benefit, the link with Medicare inevitably affects how much you actually bring home from your benefits. The range is wide..."

Are you nearing retirement and wondering what your Social Security payment will be? It helps to have a licensed Medicare advisor walk you through the process and let you know what to expect!

If you'd like to set up an educational consultation, they are always done at no cost to you and can help you prepare for this next phase of your life!

Send us a message or comment below to learn more!

Benefits still increased, but maybe not as much as some had hoped.

04/20/2026

Don't be part of the more than 40% of people who say their loved ones will be in a bad financial situation if they pass away. Life Insurance can help. Not sure what type of insurance you need or how much? That's how we can help you. In our consultations we will review all of your specific circumstances to see what the best fit is for your needs and your budget. Please comment below or send a message to set up a consultation at no cost to you!

"CBS Saturday Morning" shares tips on how to make the most of your life insurance.

04/17/2026

Your family’s future deserves more than “we’ll figure it out later.” 💙

Life insurance is one of the simplest ways to protect the people you love—no matter what life brings. Whether you’re planning ahead, growing your family, or just want peace of mind, the right coverage makes all the difference.

At Cornerstone, we make it easy:
✔️ Coverage tailored to your needs
✔️ Options that fit your budget
✔️ Trusted, local guidance—right at your doorstep

Ready to take the next step? Let’s talk. Your free consultation is just a call or click away.

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