Everything changes once you are no longer getting a paycheck—at that point you have to generate an income from the retirement savings you have amassed without running out of money. And keep in mind that if you have a large traditional 401(k) or IRA account, those savings will be subject to ordinary income taxes whenever you take money out for monthly expenses in retirement.
Retirement Planning
And yes, you will have to take money out and pay taxes because the IRS mandates that yearly RMDs (required minimum distributions) must currently begin at age 73. Depending on how much money you have to withdraw, you may even have to pay taxes on up to 85% of your Social Security benefit!
In light of this, you may have less money for retirement than you thought—and you may be leaving your heirs with a large tax burden as well. Because of the SECURE Act of 2019, inherited traditional IRAs, 401(k)s, and similar accounts now require your children or grandchildren to take annual RMDs and pay ordinary income taxes on withdrawals—and even worse, to empty, close, and pay taxes on the accounts completely within 10 years of inheritance. Even spouses have to close inherited IRAs and pay taxes within 10 years. Let’s address this “tax bomb” now.
At American Cornerstone Group, we help with retirement income planning, Social Security planning, Medicare policies, insurance strategies, tax-saving strategies, estate planning strategies, long-term care coverage, and much, much more. By working in advance, we can help you develop an optimized retirement income plan with the goal of achieving tax efficiencies now and through the generations.
IRA and 401(k) Rollovers • Roth Conversions • Distribution Planning •
Tax Planning Analysis • Retirement Income Planning • Life Insurance and Annuity Strategies • Social Security Planning • Medicare Planning • RMD and QCD Planning • Estate Planning Strategies
Our top priority is always about helping you take care of yourself and your family.
We treat you like family at American Cornerstone Group. When you’re ready to have your questions and concerns addressed, or to be sure you really do have all your boxes checked, we’re here for you. Schedule a complimentary consultation to start planning for your short- and long-term financial goals today. Call us at (215) 672-7676 or schedule online.
- College planning? Check.
- Retirement planning? Check.
- Estate planning? Check.
- Investments? Check.
- IRAs, 401(k)s, Social Security planning? Check, check & check.
It’s All About You
Long-term relationships that encourage open and honest communication have been the cornerstone of our firm since its inception and the foundation for our success. We want to learn as much as possible about your personal situation, your dreams and goals, and your tolerance for risk. The first step toward your journey to financial stability is having written goals, then implementing a custom plan developed just for you and your family through the generations.
Independent | Fiduciary | Multiple Strategic Partners
Our firm is independent and unbiased, and we have access to a large universe of financial services and products. As fiduciaries, we are legally required to do what’s in your best interests at all times, and that’s exactly the way we want it. We work as a team with your own legal and accounting professionals, or we have a network of strategic partners, CPAs, analysts, and estate attorneys that we can bring to the table on your behalf.
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Educational Resources
Our website is filled with educational videos, articles, and whitepapers designed to help you learn more about many financial topics, especially important during volatile and turbulent times. Be sure to explore the site, bookmark, and check back regularly to see more! If you have any questions that come up, feel free to call or send us a message. We take our clients’ (and prospective clients’) questions and suggestions seriously as we continually strive to make financial planning more understandable for everyone.
Our top priority is always about helping you take care of yourself and your family.
Schedule your complimentary first meeting with us to discuss how we can help you attain your financial goals. Remember that goals without a plan to achieve them are just wishes!
Schedule an AppointmentAmerican Cornerstone Group, Inc.
12106 Centennial Station
(Bldg. 12, Professional Center)
Warminster, PA 18974
Office: (215) 672-7676
Fax: (215) 682-7676
© 2025 American Cornerstone Group. All Rights Reserved. Securities and investment advisory services offered through Silver Oak Securities, Inc., member FINRA / SIPC. American Cornerstone Group, Inc. and Silver Oak Securities, Inc. are not affiliated.
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Let’s spend 60 minutes on a call together to talk about your financial and retirement goals and what we might to do help you achieve them. Schedule a time, call us at (215) 672-7676 or send us a message here.
