Brady Wealth Management
The Cornerstone Legacy Review is designed specifically for people already in retirement — protecting what you built, optimizing what is still in motion, and making sure your legacy passes on exactly the way you planned.
Most retirement reviews look at investment performance. The Cornerstone Legacy Review looks at everything else — the decisions that are quietly affecting your taxes, your Medicare premiums, your surviving spouse, and the legacy you leave behind.
If you are 70 or older and managing Required Minimum Distributions, you are in the most tax-sensitive phase of your entire financial life. One decision made in isolation can trigger a chain reaction you never saw coming. That is exactly what we are trained to find.
You are taking Required Minimum Distributions and want to make sure you are not paying more in taxes than you have to.
You want to make sure that if something happens to you, your spouse is fully protected and the income plan holds together.
You have worked hard to build something significant and you want to make sure it passes on to your family or your church exactly the way you intended.
You give to your church or a charity and want to make sure your giving is as tax-efficient as possible — because there is a better way than writing a check.
You have an advisor but nobody has ever looked at your RMDs, your estate documents, and your income plan all at the same time.
The Cornerstone Legacy Review covers seven areas — reweighted specifically for the distribution phase of retirement:
Are your distributions being taken in the most tax-efficient sequence possible?
Are your beneficiary designations, estate documents, and titling still current and aligned with your wishes?
What happens financially when one spouse passes? Is the surviving spouse fully protected?
Are you giving to your church or charity in the most tax-advantaged way available to you?
Are your RMDs pushing your Medicare premiums higher than they need to be?
Have your surrender periods expired? Are your current products still the right fit for this stage of life?
Will your income last as long as you need it to — and is it structured the right way for the years ahead?
Required Minimum Distributions creating unnecessary tax exposure that a simple sequencing change could reduce
Beneficiary designations that have not been updated in years — sometimes still listing a deceased spouse or a former employer
The surviving spouse scenario that has never been modeled — most couples have never seen what the income plan looks like when one of them is gone
Charitable giving made in cash when a Qualified Charitable Distribution from an IRA would accomplish the same generosity at zero tax cost
Annuity surrender periods that have expired with products that are no longer competitive or appropriate
Your most recent tax return, investment and retirement account statements, Social Security award letter, and any estate documents you have. Most of this is already in your email or on your computer. It takes about 10 minutes.
We review everything through the lens of The Cornerstone Method — looking at how every piece affects every other piece. We find what others miss because we look at the complete picture.
We sit down together and walk through your Cornerstone Legacy Score, your top findings, and a clear action plan. Most clients tell us this is the first time anyone has ever looked at everything together.
The Cornerstone Legacy Review is complimentary and comes with no obligation. Schedule your appointment and we will take care of the rest.
Start Your Cornerstone Legacy ReviewTakes about 10 minutes to get started. We do all the work from there.
Do not worry if you do not have everything. We will work with whatever you have and help you find anything that is missing. Call us at (936) 340-3500 and we will help you get organized.
The Cornerstone Method™
One plan. Every piece. Your future, connected.