Cornerstone Wealth Services D. Caleb Hughes

09/29/2026

Mutual funds or ETFs — which may be the better fit for your portfolio?
Both can offer diversification and access to a wide range of investments, but they differ in areas such as trading, fees, transparency, taxes and investment strategies. Compare the key differences.

09/24/2026

Market downturns can be unsettling, but they’re also a normal part of investing. Understanding the difference between a pullback, correction and bear market can help put market volatility into perspective.

When the market experiences volatility, it may be a good time to review these common terms.

09/22/2026

Settling an estate can involve many moving pieces. Understanding how to determine the value of an estate is an important first step in the process — from identifying assets and debts to gathering financial statements. See the four key steps for valuing an estate.

Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.

09/17/2026

A 529 can be a valuable way to save for education, but there are several factors to consider before opening an account, from investment options and fees to tax benefits and how the funds can be used. Learn key details before choosing a 529 plan for your family.

The SEC’s Office of Investor Education and Assistance is issuing this Investor Bulletin to answer questions that may arise when investing in a 529 plan account. Please also see our companion Bulletin, An Introduction to 529 Plans, for background information on the plans.

09/14/2026

The decision to convert to a Roth IRA isn’t one-size-fits-all, but it could be beneficial even if you expect your tax rate to be lower in retirement. Our upcoming webinar, presented by Vanguard, will walk through the break-even tax rate (BETR) framework for assessing the merits of a Roth conversion using a more holistic view of your financial plan. Join us to learn about:
• Roth fundamentals, including contribution limits and the mechanics of conversions
• Who might benefit from a conversion – and who wouldn't
• Potential hidden costs, tax effects and strategies to manage them
• The difference between applying the BETR method and simply relying on expected tax rates
Sign up to better understand this powerful tool for retirement and estate planning, and walk away with a practical framework that can help assess if it may be right for your situation.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Vanguard is not affiliated with or endorsed by LPL Financial and Cornerstone Wealth Services.
https://us06web.zoom.us/webinar/register/WN_WouC0zgaQDu0kr2TNUqi6w #/registration

09/14/2026

This week is National Medicare Education Week! Understanding your coverage options and enrollment requirements can help you make informed decisions before you enroll.

Take the guesswork out of your IEP or SEP with this helpful article.

09/11/2026

Patriot Day, observed on Sept. 11, is a time to remember the strength, resilience and unity of the American people. We honor the spirit of service and the courage shown by first responders and communities across the nation.

09/07/2026

Labor Day honors the hard work and contributions of workers. It’s a time to relax, reflect and celebrate the backbone of our communities.

Our office is closed Today, Monday, September 7th, and will re-open tomorrow morning at 8am.

09/05/2026

September 5 is 401(k) Day! Nearly 1 in 3 retirement accounts are considered “dormant.” Make sure yours isn’t one of them.

These steps can help you uncover forgotten or lost retirement accounts