Our Firm

Cornerstone Financial Group (CFG) is a financial consulting firm established in 1987 with offices in West Des Moines, Iowa, and Creston, Iowa. Since inception, our goal has been to help clients find ways to lower taxes and create long-term wealth.

AN EVOLVING PRACTICE FOCUSING ON  RETIREMENT AND ESTATE PLANNING

Through the years, CFG has evolved.  In the beginning, our services focused on beginning investors seeking investment guidance.  But as the years passed, more and more of our client base came from those with small businesses, IRA rollovers and inheritances.  The common theme for all of these new clients was the desire to plan for retirement and beyond.

CFG owner and president Mike Moffitt felt that many people were confused about planning for retirement and not aware of many financial opportunities available to them.  Often they made relatively uninformed choices when it came to 401(k)s, other benefit packages, and their investments. Occasionally their lack of knowledge resulted in working with less ethical providers with products and services that were far from client-friendly. So today, CFG is a firm designed around providing unbiased education, full disclosure of information relevant to making sound financial choices, and specific services most needed by our clients.

NETWORKING WITH OTHER KEY PROVIDERS SAVES YOU TIME AND MONEY

Since controlling costs and achieving acceptable returns on investment are of critical importance for these firms, we focus on providing cost effective solutions.    

Our services are affordable to nearly any business or individual. Clients pay for our services through either a fee structure or on a commission basis. Some clients choose the hourly or annual fees, which are negotiated according to the project.

Others choose to implement their planning decisions through the companies we are affiliated with. In this case, we receive commissions or asset-based management fees from these companies that compensate us for the work involved. The fee based planning ensures we don't promote one particular investment over another while the commission system can sometimes make possible lower negotiated financial planning fees for the client.  In either case, all costs are clearly outlined.

To help maintain objectivity, our company policy is to not be captive to any one financial services vendor. As a result, we work with dozens of mutual fund companies, separately-managed account providers, life insurers, health companies, retirement plan administrators, accounting firms and law firms on a regular basis.