Our Process:

01

Assess Likely Needs and Timing

We start with a conversation about your health history, family dynamics, and care preferences.

02

Analyze Funding Options

We walk through different strategies to cover future care from insurance to portfolio-based funding.

03

Integrate into Your Plan

We build long-term care into your broader financial plan so your retirement strategy stays intact.

Who It’s For:

Individuals and couples nearing or in retirement who want to proactively manage the potential cost of care without sacrificing control, independence, or peace of mind.

Why It Matters:

Without a strategy, long-term care needs can become an emotional and financial crisis that erodes savings, disrupts retirement plans, and places strain on loved ones.

Cornerstone Financial serves as your trusted guide, helping you navigate care options, evaluate funding strategies, and prepare with intention. When long-term care is part of a broader plan, you gain control, confidence, and dignity in how your future unfolds.

Frequently Asked Questions

Do I need long-term care insurance?

Not always. We help you determine whether insurance, self-funding, or a blended strategy is right for you.

Isn’t this something Medicare covers?

We build in contingency plans and risk-management strategies to help your income plan remain resilient.

What if I wait until later to plan?

It’s possible to wait, and if you do, we’ll help you assess your options honestly and create a plan that reflects where you are now.

Schedule Your Discovery

Take the next step toward confident, comprehensive care planning.

Preserve Your Options.
Protect Your Future.

 

Cornerstone Financial provides fiduciary long-term care planning services in Columbia, SC, helping clients prepare for tomorrow’s costs without compromising today’s independence.

What Our Clients Say

“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