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A collection of articles contributed by Cornerstone team members on selected topics.

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Cornerstone 4th Quarter 2023 Commentary

“Give a serving to seven, and also to eight, for you do not know what evil will be on the earth.” — Ecclesiastes 11:2 “As I have repeatedly said, inflation is a form of taxation without representation.” – Milton Friedman “Lenin…

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Interview with Matt Monson

The Chief Operating Officer of Cornerstone Management, Winters Richwine, conducted this interview with Matt Monson from Sovereign’s Capital. Tell us about your professional background.  How did you connect with Sovereign’s Capital? I have a background in investment banking, private equity,…

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Funding a Charitable Gift Annuity from an IRA

Donors have been asking for years if a charitable gift annuity can be funded from an Individual Retirement Account (IRA). Until Congress passed the SECURE Act 2.0 of 2022, the donor would have to take an IRA distribution, pay the…

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How to Talk to Donors About Planned Giving

Planned gifts are important.  To donors, they often represent the biggest gifts to charity they will make.  Planned gifts also tie the donor to the charity.  To nonprofits, planned gifts similarly are some of the largest donations received and also…

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Cornerstone 3rd Quarter 2023 Commentary

It’s not whether you’re right or wrong that’s important, but how much money you make when you’re right and how much you lose when you’re wrong. George Soros Following the surprisingly strong results of the first and second quarters of…

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What is an RIA?

What is an RIA in the financial industry? RIA refers to a registered investment advisor. “Registered” indicates registration with a regulatory authority. The term “investment advisor” is formally defined by the Investment Advisers Act of 1940 (Advisers Act). While the…

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What is Biblically Responsible Investing (BRI)?

Introduction Biblically Responsible Investing (BRI), a type of faith-based investing, is gaining ground with both institutional and retail Christian investors.  Now more than ever, financial capital is being used as a tool to influence the decisions companies make.  The purpose…

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Cornerstone 2nd Quarter 2023 Commentary

“Life can only be understood backwards, but it must be lived forwards.” – Soren Kierkegaard  “There are two kinds of people who lose money: those who know nothing and those who know everything.” – Henry Kaufman (German-American economist) to Robert…

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Cornerstone 1st Quarter 2023 Commentary

I sincerely believe with you, that banking establishments are more dangerous than standing armies, and that the principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale. –…

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