Our Process:

01

Understand Your Retirement Vision

We start with a conversation about what retirement looks like to you and when you want to get there.

02

Analyze Income & Assets

We assess your retirement savings, investment accounts, pensions, and Social Security.

03

Create a Sustainable Income Plan

You’ll receive a clear, tax-aware plan designed to last and adapt as needed.

Schedule Your Discovery

Who It’s For:

This service is ideal for professionals within 5–10 years of retirement, recent retirees, and those seeking to turn savings into sustainable income with confidence.

Why It Matters:

The transition to retirement is a major life shift financially and emotionally. Without a plan, it’s easy to worry whether your savings will last, how to handle market fluctuations, or when to take Social Security.

Cornerstone Financial serves as your fiduciary guide, helping you answer the big questions with clarity. We build sustainable income strategies that give you the freedom to retire with confidence on your timeline and on your terms.

Frequently Asked Questions

How much do I need to retire comfortably?

It depends on your lifestyle goals, health care needs, and current assets. We help you calculate a realistic target and a sustainable withdrawal strategy.

Can I still retire if I got a late start?

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

One Plan. Your Retirement, On Your Terms.

Cornerstone Financial provides fiduciary retirement planning services in Columbia, SC for individuals and families seeking clarity and confidence about their financial future. Our retirement strategies align with your goals, values, and real-life needs.

What happens if the market drops?

If the market drops, we build in contingency plans and risk-management strategies to help your income plan remain resilient.

Schedule Your Discovery

Start planning for the retirement you’ve worked hard to enjoy.

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