October 2014 
Issue: 135
Sound, visionary stewardship



Gould Farm hay baleSeasons change and so do we. Our lives are always evolving. And that's a good thing.  


Fall is a time of gathering and preparing for the winter season. It's a good time to make plans and look to spend time closer to home. Above is one of my favorite fall views in the Berkshires.   


It's also a good time for small business owners and entrepreneurs, who are 10-15 years from retirement, to start thinking about how to maximize those years. We will be teaching a workshop called the Entrepreneur's Dilemma: Strategies for Retirement Planning at the South Shore Chamber of Commerce on November 12 at noon. Details will be available soon. Feel free to email me for more information in the meantime.  


What's on your fall agenda? 




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p.s. We sent out the following message to our clients about the volatility in the market. We hope you find it helpful.

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From Bill's corner... 


Eagle eye on Social Security     


"The clearest way into the Universe is through a forest wilderness." - John Muir


 Bill hiking the tundra on a bear trail


Over the summer, I had the experience of a lifetime visiting Alaska. I climbed mountains in the Chugach National Forest, got up close to glaciers the Kenai Fjords National Park, hiked the tundra that traversed the Katmai National Park and fished the rivers that feed Bristol Bay. The scenery was unforgettable. You might be asking: "Did I see any grizzlies?" You betcha! While I fished the rivers and streams, these enormous creatures lumbered close by with their heads down looking for fish - salmon to be exact.

 Glacier on Kenei Fjords tour

The thousand-pound grizzlies and I were not the only great fishermen in Alaska. American bald eagles were everywhere. In 1782, the bald eagle was chosen as the emblem of the United States because of its long life, great strength and majestic look. A little known fact is that bald eagles mate for life. Unfortunately, many humans do not stay together. Divorce is very common. Knowing a divorce's impact on Social Security is a cornerstone of a good financial plan.


Social Security is a gender-neutral program. Benefits apply to both males and females or ex-husbands and ex-wives. Divorcees will receive Social Security benefits without filing any special papers at the time of divorce.


Read on...

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In This Issue
12 smart year-end tax moves to make now
17 best things to buy this fall
7 deadly sins of investing
6 steps to building more wealth
20 small ways to save big
In the media...on the blog
About us
Time to Share. Create a Buzz.

taxis_road_view.jpg Have you tried Uber? Uber is evolving the way the world moves. By seamlessly connecting riders to drivers through their apps, they make cities more accessible, opening up more possibilities for riders and more business for drivers.

You don't need cash when you ride with Uber. Once you arrive at your destination, your fare is automatically charged to your credit card on file - no need to tip. They'll even e-mail you a receipt. Sounds pretty cool!
12 smart year-end tax moves to make now    

Smart tax planning now can help you reduce the taxes you'll owe on your investment gains, and other types of income, too.

17 best things to buy this fall    

As the temperatures start to drop in the fall, so do the prices on a whole host of goods. September and October bring sales on summer items that retailers are eager to clear out to make room for cold-weather inventory. And November - Black Friday, in particular - is a deal hunter's smorgasbord.

Read on...

7 deadly sins of investing

The investing world has its own set of deadly sins. These attitudes, approaches, actions and omissions can hurt results, and they compound the damage by leading to other transgressions.

Read on...

6 steps to building more wealth  


The tools you need to reach your financial goals.

Read on...

20 small ways to save big  


Think you don't have enough to start saving? Even little deposits add up to big bucks--especially when you start young.  


Read on... 

In the media...on the blog

WH Cornerstone's principal's are tapped by the media to write for and contribute to a variety of publications. Here are our latest contributions.
  • INVESTORS, PLANS AND MONEY: Eagle eye on Social Security

    Old Colony Memorial, September 29, 2014

And, from our blog... 

About us

We are authentic, thoughtful, straight-shooters who provide the sound, visionary stewardship that helps our clients protect their financial foundation while building their wealth. 


We are private and independent, which means we have the unique ability to build deep, meaningful relationships with our clients with no competing agendas.


We have several decades of broad financial and business expertise that enables us to knowledgeably advise on a wide range of financial and business affairs and to help our clients navigate the sea of complexity with confidence.


We are strong believers in the power of near-term, actionable planning and disciplined focus on forward-facing goals.


We are at our best when we help our clients optimize their financial resources to realize their goals and dreams.   


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Paula Harris and Bill Harris, CFP
WH Cornerstone Investments

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