Prime Capital Financial, Formerly Cornerstone

Month in Review: mixed stock market, Chinese EVs, Nvidia sales to China, and inflation and interest rates.

Check out what happened last month and what's ahead in the market and economic environment.

MONTH-IN-REVIEW: DECEMBER 2025 — Cornerstone Comprehensive Wealth Management QUICK TAKES Mixed Stock Market . U.S. equity indices were mixed in December as concerns over the state of the AI trade and the labor market dominated the narrative. The S&P 500 was flat while the Nasdaq 100 fell nearly 0.7%. The Dow rose 0.9% and the small-cap heavy Russell 2000 fell 0.

Happy New Year!

Take control over your future by setting goals and planning ahead. Whether it be financial, health, business, or personal goals, plan to be successful. Wishing you a prosperous 2026!

Wishing you peace, joy, and all the best this holiday season!

May this wonderful time of giving and spending time with family bring you cheer that lasts throughout the year. Merry Christmas!

Have you ever considered a Roth conversion?

Because of the pre-tax nature of the 401(k), retirees may find themselves in a higher tax bracket than when they were working, as they may no longer have as many deductions, or simply may be spending more than they did when they worked.

This is where the Roth IRA, and subsequently Roth conversions, come into play.

A Roth conversion is when an individual takes a lump sum from their pre-tax funds, pays the income tax on the withdrawn funds, and moves those funds into a Roth IRA.

Consider these six things with Roth conversions:

Is a Roth Conversion Right for You? — Cornerstone Comprehensive Wealth Management THE 401(k) Years ago, the 401(k) was created through the Revenue Act of 1978. It was pitched as an account that would a) help lower taxable income while working (contributions are tax-deductible), and b) individuals in retirement would be in a lower tax bracket when they retire compared to when th

Our Christmas Toy & Winter Coat Drive with Reno-Sparks Gospel Mission concluded last week!

This initiative always demonstrates the incredible power of selflessness and we are honored to witness such a heartwarming display of love within our community. Our team is grateful for the remarkable donations and for everyone coming together.

Month in Review: mixed stock market, weak Chinese manufacturing, Google AI chips, and inflation and interest rates.

Check out what happened last month and what's ahead in the market and economic environment: https://www.cornerstoneway.com/blog/month-in-review-november-2025

MONTH-IN-REVIEW: NOVEMBER 2025 — Cornerstone Comprehensive Wealth Management QUICK TAKES Mixed Stock Market . November was a mixed month for U.S. equities as the S&P 500 ended the month just 0.25% higher and the Nasdaq 100 fell 1.6% as investor concerns about the government shutdown, Fed rate cuts, and the state of the AI trade drove market shifts. Small caps ou

2025 THINGS TO CONSIDER

Roth Conversions.

Consider a Roth conversion to transfer funds from a traditional IRA to a Roth IRA, as this could help you prepare for potential market volatility in 2026. Keep in mind that this conversion will incur a tax bill in the year of the transfer, depending on the amount and percentage of pre-tax dollars converted.

RMDs.

If you’re 73 or older, remember to take your required minimum distribution (RMD) from traditional IRAs and 401(k)s by December 31.

Reduce Taxes with QCDs.

Consider making a qualified charitable distribution (QCD) from an IRA of up to $108,000, which counts toward your RMD. While not deductible, QCDs are tax-free and can be made starting at age 70½, even if you’re not itemizing deductions. Be sure charities receive donations by December 31.

The need for long-term care is far more common than most people expect and a significant portion of individuals over 65 will require some form of extended care during their lifetime.

But, planning for long-term care does not have to be overwhelming. By approaching long-term care proactively rather than reactively, you can help to protect your independence, preserve your retirement income strategy, and reduce future stress on the people who matter most.

Learn more here: https://www.cornerstoneway.com/blog/planning-for-the-realities-of-long-term-care

Planning for the Realities of Long-Term Care — Cornerstone Comprehensive Wealth Management Planning for the Realities of Long-Term Care: Protecting Your Family, Finances, & Retirement Long-term care (LTC) can be one of the most significant - yet often overlooked - risks in retirement planning. While many people spend years focusing on investment returns, tax efficiency, and in

Wishing you all a Happy Thanksgiving!

We are very grateful for our community and clients for allowing us to be a part of their retirement journey.

We hope you and your loved ones enjoy the day and reflect on all there is to feel thankful for this holiday season!