What are the opening hours?

Monday 8am - 4pm Tuesday 8am - 4pm Wednesday 8am - 4pm Thursday 8am - 4pm Friday 8am - 1:30am

Cornerstone Financial Group

Home
United States
Shingle Springs, CA
Cornerstone Financial Group

Directions Website

A boutique financial firm specializing in crafting personalized financial plans. Cornerstone Financial Group is a boutique financial services firm.

We create unique, individual plans for our clients to address all of life's opportunities and challenges. We believe successful client relationships are built upon trust and personalized services. We focus on tax-advantaged income distribution strategies, Social Security maximization and preservation strategies for legacy planning. Our commitment to you includes risk-based asset allocation and designation, insurance protection, beneficiary planning and qualified retirement plans. We also provide in-house Medicare planning for our clients.

10/29/2026

📊 Understanding IRMAA

🏥 IRMAA, the Income-Related Monthly Adjustment Amount, is a surcharge that may be applied to Medicare Part B and Part D premiums for certain higher-income beneficiaries. It is generally calculated based on Modified Adjusted Gross Income (MAGI) as reported on your tax return from two years prior. IRMAA thresholds and calculations are subject to change.

🔹 Income sources that may count toward IRMAA include wages and salaries, traditional IRA and 401(k) withdrawals, pension income, capital gains, the taxable portion of Social Security benefits, Roth conversions, and tax-exempt interest such as municipal bonds.

🔸 Income sources that may not count toward IRMAA include qualified Roth IRA withdrawals, inheritances, veterans' disability benefits, non-taxable Social Security, gifts received, and Supplemental Security Income (SSI).

💡 Income sourcing and timing strategies may be worth discussing with a qualified tax advisor or financial professional.

💬 If you have questions about how IRMAA may relate to your situation, you're welcome to contact Cornerstone Financial Group.

There is no guarantee that any strategy will reduce IRMAA surcharges, and individual tax and income circumstances vary significantly. This information is educational in nature and is not tax or legal advice.

10/27/2026

📢 Social Security Update: 2027 Cost-of-Living Adjustment (COLA) 📈

The Social Security Administration has announced a 3.6% Cost-of-Living Adjustment (COLA) for 2027.

💰 What does this mean for Social Security recipients?

Beginning in January 2027, eligible beneficiaries are expected to see a 3.6% increase in their Social Security benefits, with the average retirement benefit increasing by approximately $75 per month.

📅 Important Dates to Remember:

🔹 Late November 2026: COLA notices are expected to become available through personal *my Social Security* accounts.

🔹 December 2026: Mailed notices are expected to be distributed to recipients who have not selected paperless notifications.

🔹 January 2027: Adjusted Social Security retirement benefits are scheduled to take effect.

⚓ While annual adjustments may help offset changes in the cost of living, factors such as Medicare premiums, taxes, and individual expenses can influence how much of an increase a retiree ultimately receives.

Understanding these changes and how they may fit into your broader retirement income strategy is an important part of staying informed.

Plan Smart. Retire Smart.

10/25/2026

Don't forget to review your prescription drug coverage during Medicare Open Enrollment.

Prescription coverage and tier placement can change from year to year, which can affect your out-of-pocket costs.

Taking a few minutes to review your medications now can help you avoid surprises next year.

10/23/2026

Your Medicare plan may not be exactly the same next year.

Premiums, deductibles, prescription coverage, and provider networks can all change over time.

That's why it's important to review your Medicare coverage each year and make sure it still fits your healthcare needs.

10/22/2026

🎤💡 Great conversations start with great questions!

At USA Financial's Connect, Own, Succeed (COS) conference, our Managing Partner and Advisor, Craig Watkins, had the opportunity to engage with industry professionals, ask thoughtful questions, and share perspectives during educational discussions.

With decades of experience in the financial services industry, Craig recognizes that there is always something new to learn. From emerging technology to evolving retirement planning strategies, staying engaged in industry conversations is an important part of how we continue to grow.

⚓ At Cornerstone Financial Group, we believe that asking questions, exchanging ideas, and considering different perspectives are valuable parts of providing thoughtful, personalized guidance to our clients.

Because sometimes, the most valuable part of a conversation isn't just the answer — it's the question that started it!

Plan Smart. Retire Smart. ⚓

10/20/2026

🤝 Connecting, Learning & Growing at COS 2026!

During USA Financial's Connect, Own, Succeed (COS) conference, our team had the opportunity to meet with key members of USA Financial's support team to explore new tools, techniques, and resources related to marketing, communication, and client service.

These conversations provided valuable insight into ways we can continue refining our processes, strengthening our approach, and exploring opportunities to better assist our clients.

At Cornerstone Financial Group, we believe learning never stops! We're grateful for the opportunity to collaborate, exchange ideas, and bring fresh perspectives back to our team.

10/18/2026

Many people think financial planning starts and ends with investments.

The reality is that a strong financial plan is much bigger than any one account or investment strategy.

A comprehensive approach should consider:

✅ Wealth management
✅ Risk management
✅ Tax-efficient planning
✅ Legacy planning
✅ Cash management and spending strategies
✅ Healthcare and Medicare considerations
✅ Ongoing education and guidance

The goal isn't to focus on a single piece of the puzzle. It's to understand how all of the pieces work together to support your retirement and long-term goals.

When everything is aligned, the plan becomes much more powerful than any individual strategy on its own.

Which area of financial planning do you think is most often overlooked?

10/16/2026

One thing that makes financial planning more effective is understanding the "why" behind every decision.

Whether you've worked with an advisor before or are exploring financial planning for the first time, we believe education should come before action.

That's why our process focuses on helping clients understand their assets, accounts, retirement goals, and income strategies before moving forward with any recommendations.

When you understand how the pieces fit together, you can make more informed decisions and feel more confident about your future.

Financial planning shouldn't be a mystery. It should be a conversation.

What's one financial topic you'd like to better understand?

10/15/2026

💡 What’s your “crazy idea” for retirement?

One of the highlights of COS was hearing from keynote speaker Kyle Scheele, a speaker, author, artist, and self-described “Patron Saint of Crazy Ideas.” Kyle’s work explores creativity, where ideas come from, and what happens when we’re willing to think beyond the expected.

Through humor, storytelling, and plenty of creativity, Kyle encouraged us to think differently about ideas and the possibilities that can begin with a simple “What if?” 💭

It also gave us an interesting connection to retirement planning.

Everyone’s vision for retirement is different. One person’s “crazy idea” might be traveling the country in an RV. 🚐 Another’s might be relocating, purchasing a vacation home, pursuing a passion project, or simply having more time for family and the things they enjoy.

What sounds unconventional to one person may be an important retirement goal to another.

Retirement planning provides a framework for defining those individual goals, understanding the financial considerations involved, and evaluating strategies that may align with your circumstances, priorities, and vision for retirement.

There’s no one-size-fits-all picture of retirement. ⚓️💚

Plan Smart. Retire Smart.

10/13/2026

An evening of art, conversation, and connection at COS! 🎨🥂✨

The Grand Rapids Art Museum made for an incredible setting to wrap up a full day at COS. Our team enjoyed an evening of dinner, exploring the galleries, and mingling with fellow attendees and industry partners. The reception even included dedicated gallery access throughout the evening.

It was a great opportunity to step outside the conference sessions, continue conversations, make new connections, and enjoy some incredible art along the way. 💚⚓️

Here are a few snapshots from a memorable night! 📸🎨

Address

4260 Mother Lode Drive
Shingle Springs, CA
95682

Opening Hours

Monday	8am - 4pm
Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 1:30am

Website

https://www.cfgstrategies.com/

Alerts

Be the first to know and let us send you an email when Cornerstone Financial Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.