Our Process:

01

Assess Your Business Needs

We evaluate your goals, workforce, and budget to identify the right type of plan.

02

Design the Right Plan

We assist with plan features, provider selection, and fiduciary benchmarking.

03

Implement and Maintain

We support ongoing administration, performance reviews, and employee education.

Who It’s For:

Business owners, HR teams, and plan sponsors who want to improve their 401(k) or retirement plan offering while reducing fiduciary risk.

Why It Matters:

A well-structured retirement plan helps you attract and retain talent, reduce tax liability, and fulfill your fiduciary obligations. Without proper guidance, plans can fall short and lead to unnecessary fees, compliance issues, or low employee participation.

At Cornerstone, we bring clarity to the complexities of retirement plan management, helping you offer a benefit that builds value for your team and your business.

Frequently Asked Questions

Can you review our existing retirement plan?

Yes. We provide benchmarking and analysis to identify opportunities for improvement.

Do you act as a fiduciary on our plan?

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

How do you help with employee engagement?

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

Schedule Your Discovery

Strengthen your retirement benefit with guidance you can trust.

Build a Plan That Builds Confidence

 

Cornerstone Financial helps businesses in Columbia, SC design and manage retirement plans that support long-term growth, for both the company and its employees.

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