Protect What You’ve Built,
Empower Your Business.
Business Insurance & Risk Management
Customized insurance & risk management solutions to safeguard your business and retain top talent.
Proactive Protection Strategies
Talent Loyalty Solutions
Confidence Through Clarity
What Keeps Business Owners Up at Night?
Running a business is rewarding—but it’s not without challenges. Unanticipated risks like losing top employees, facing cyber threats, or being hit by unexpected litigation can put everything you’ve worked hard to build at risk. Without a plan tailored to your unique challenges, your business may face:
Significant financial losses from rising insurance costs and uncovered claims.
Disruption to operations from lawsuits, natural disasters, or cyberattacks.
Losing your best and brightest employees to competitors with better benefits.
You need a trustworthy partner to protect what matters most: your business and your team.
That’s where Cornerstone Wealth Group steps in.
A Smarter Approach to Protecting Your Business.
At Cornerstone Wealth Group, we help business owners thrive by providing fiduciary-guided insurance and risk management. Our solutions help you gain:
Strategic Talent Retention:
Align your company’s success with the goals of your top leaders.
Implement innovative employee benefits, deferred compensation plans, and life insurance strategies that keep key employees loyal to your team.
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Protective Business Risk Management:
Protect your business from unexpected disruptions like lawsuits, data breaches, or natural disasters.
Gain clarity and confidence by addressing hidden vulnerabilities with expert-led risk assessments.
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Cost Optimized Insurance Coverage:
Maximize the value of your insurance while minimizing expenses by designing cost-effective, tailored plans.
Adapt quickly to market fluctuations with a dedicated team that helps control your insurance costs.
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With CWG, your insurance program becomes part of a larger strategy to protect your business, retain your team, and empower growth.
Your Trusted Partner in Business Success.
It’s time to move beyond impersonal, one-size-fits-all solutions. Your business deserves a partner who understands your risks AND your goals.
At Cornerstone, we place fiduciary responsibility at the center of everything we do. This means we work for YOU—not an insurance carrier—offering customized financial plans that align with both your business and personal financial growth.
For years, CWG has guided top business leaders, blending strategic risk management with expert insights to build financial confidence and safeguard growth.
A Simple, Proven Process That Works.
Book Your Free Consultation:
Discuss your goals, challenges, and current risk strategies with our team of fiduciary-led advisors.
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Review Your Customized Plan:
We provide tailored insights to protect your business, lower risks, and identify blind spots.
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Stay Protected and Confident:
Rely on your proactive insurance plan to secure your business and focus on what matters most: growth and success.
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Protecting Your Business While You Focus on Growth.
Cornerstone Wealth Group is your trusted fiduciary partner, offering personalized solutions for business risk, key employee retention, and long-term success. We take a comprehensive look at how your business functions and make strategic recommendations for utilizing creative insurance solutions to optimize your business.
With our help, your insurance program is no longer a fragmented necessity—it becomes a strategically integrated part of your business success story. From protecting your business’s physical assets to creating retention-driven employee benefits programs, we provide clarity, confidence, and peace of mind every step of the way.
Retain Top Talent with Proven Strategies.
Losing key employees can have a significant financial and operational impact—but it doesn’t have to happen to you.
Discover innovative ways to reward and retain your best leaders with solutions like:
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A deferred compensation plan allows key employees to set aside a portion of their earnings—often above regular retirement limits—for future payout, offering both retention and long-term financial security. CWG designs and administers these plans to align with your business objectives and talent strategy, ensuring tax-efficient structures and seamless integration into your overall rewards package.
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Executive bonus and incentive programs reward leadership and high-performers with tailored financial incentives, such as performance-based cash bonuses or company-funded life insurance arrangements. CWG helps you craft these strategies to motivate and retain critical team members, ensuring both the incentives and the structure fit your culture, goals, and budget.
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Key person insurance protects your business by providing a financial safety net if a pivotal employee or owner experiences an unexpected absence, disability, or loss. CWG works with you to identify high-impact roles and secure the right level of coverage, so your business remains stable and resilient no matter what lies ahead.
This Is What Confidence Feels Like.
Peace of Mind: Feel confident knowing your hard work is protected from unforeseen risks.
Employee Loyalty: Retain key employees and align their success with your company’s goals.
Business Growth: Focus your time and energy on scaling your business and achieving greater success.
Imagine leading your business with confidence, knowing every angle of risk has been covered. With Cornerstone Wealth Group on your side, here’s what a successful future looks like:
Meet Your Business Insurance & Risk Management Advisors
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Andrew Smith, CFP®, CExP™, AIF®, CLTC®
Wealth Advisor, Private Wealth Group, Managing Partner
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Craig Rubrecht
Chief Executive Officer, Managing Partner
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Edward Wood, CFP®, AIF®
Wealth Advisor, Partner
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Jared McDaniel, CFA, CPA, CFP®, CPWA, AIF®, CMT, CEPA®
Wealth Advisor
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Jeff Carbone, CFP®, AIF®
Wealth Advisor, Private Wealth Group, Managing Partner
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Joe Sweeney, AIF®
Director of Business Solutions, Managing Partner
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Jonathan Brown, CFP®
Wealth Advisor, Partner
Let’s Build Your Business’s Safety Net Today.
Don’t let unnecessary risks stand in the way of your business growth. Take the first step toward confidence, clarity, and control with Cornerstone Wealth Group.
Not ready to schedule a consultation yet?
Download our Business Risk Assessment Toolkit and better understand how to manage risk in your business.
Frequently Asked Questions About Business Insurance & Risk Management
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Every business faces unique risks, but the key areas typically include operational disruptions (natural disasters, accidents), legal liabilities (lawsuits, employment claims), and modern threats like cyberattacks. Additionally, protecting critical employees is increasingly important in today’s competitive environment. By identifying and addressing these vulnerabilities, you can safeguard your business and support long-term resilience.
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Key employee benefits are specialized rewards, like deferred compensation plans or supplemental retirement options, designed to recruit, reward, and retain top talent. These benefits not only secure your team’s loyalty but also align their long-term goals with your company’s success. By implementing innovative solutions such as “golden handcuffs,” you can give employees powerful incentives to stay, reducing turnover and strengthening your workforce.
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Cornerstone Wealth Group begins with a comprehensive risk assessment, identifying blind spots and understanding the specific challenges your business faces. We then create tailored plans that integrate property and casualty insurance, key person policies, and other solutions to address your business goals. Our fiduciary-first approach ensures your needs guide every decision, providing clarity, confidence, and protection for both current and future risks.
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Cyber liability insurance is designed to cover the financial fallout from data breaches, ransomware attacks, and other cyber incidents. It can help pay for expenses like legal fees, customer notifications, and data recovery while protecting your business from severe financial loss. As cyberthreats continue to rise, this type of insurance is essential to ensuring your operations remain secure and your reputation stays intact.
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Fluctuating costs in the insurance market can strain business budgets, especially for policies like property, casualty, and cyber liability insurance. To control costs, Cornerstone Wealth Group works with you to design cost-efficient coverage strategies, minimizing premiums without compromising protection. With customized solutions, we help you meet evolving risks while keeping expenses aligned with your overall financial strategy.
Additional Business Resources for Business Insurance & Risk Management
