Our Process:

01

Map Your Full Financial Picture

We begin with a discovery meeting to understand where you are and what you value most.

02

Create an Integrated Strategy

We build a coordinated plan across investments, insurance, estate, and more.

03

Review and Adjust as Life Changes

Ongoing support keeps your plan relevant through every season.

Schedule Your Discovery

Who It’s For:

This service is ideal for professionals and families navigating multiple priorities. From building wealth and saving for college to managing risk and planning for retirement.

Explore Our Planning Services:

Retirement Planning

Build a retirement income strategy you can count on, designed to support the lifestyle you envision.
College Planning

Align education savings with your broader financial strategy so your goals for your children don’t derail your future.
Estate Planning

Protect your legacy and ensure your assets are passed on according to your wishes.
Insurance Planning

Right-size your protection to guard against life’s uncertainties, from disability to long-term care.
Long-Term Care Planning

Prepare for the rising cost of care without compromising your financial independence.

Frequently Asked Questions

Do I need to have a certain income or asset level?

No. If you're serious about your financial future, we’re ready to meet you where you are and help you move forward.

How is this different from a typical financial advisor?

We act as fiduciaries, meaning we put your interests first and focus on integrated, goal-based planning, not product sales.

What does comprehensive planning actually include?

It includes coordinated strategies across all key areas of your financial life; retirement, investments, insurance, taxes, estate, and education.

Schedule Your Discovery

Take the first step toward clarity, confidence, and a strategy that actually fits your life.

Planning That Makes a Difference

From retirement readiness to legacy planning, hear how lives have changed when clarity met strategy.

“Ken Calcutt with Cornerstone Financial Management has handled my company's Simple IRA's for many years and handles our Roth IRA Accounts. He is also a "Dave Ramsey" certified financial planner. I have worked with Ken for many years and my experience has been that he consistently provides solid advice that can be trusted. I enjoy working with him.”

- Jeff Stallings

“Our family has been working with Ken for the last 2 years and he is wonderful trust worthy advisor. He set up our kids accounts and answered all of our questions. Highly recommend!”

- Christie

“Ken Calcutt and his team are wonderful to work with. They are very friendly, professional and great listeners. My husband and I have enjoyed getting to know them and getting their help and advice throughout the years. We would highly recommend them to anyone.”

- Polly G

“The word Trustworthy is what comes to mind. Jay walked us through all of our investment options and is extremely knowledgeable. We have met many advisors in the past and Jay definitely stands out from the crowd.”

- Dr. Joe Messina

“Robert is the extremely thorough and knowledgeable with the ability to make complicated financial information easy to understand. He is able to understand businesses and refines their approach to best suit the company's needs. My husband and I both really enjoy learning from him.”

- Shantal

“I'm a local real estate broker, and Dave Ramsey Endorsed Local Provider. I would refer any of my clients to Ken and Jay at Cornerstone Financial Management for the pure fact that they are educators at heart and not salesmen. They have your best interest with your investments and will be up front and honest. I know first hand since they manage my Mom's retirement, and if they did not, she would probably be living with me. Thank goodness! And of course they are also and Endorsed Local Provide from Dave Ramsey."

- Jesse Grote