Jonathan Guyton, CFP® is Principal of Cornerstone Wealth Advisors, Inc., a Minneapolis holistic fee-only financial planning and wealth management firm. He serves as retirement columnist for the Journal of Financial Planning, and a Wall Street Journal Expert Panelist on retirement. He is an award-winning thought leader and researcher on sustainable withdrawal policies, retirement income planning and the application of behavioral finance principles in working with clients. In 2010, Cornerstone created the profession's first multi-year Residency in Financial Planning.Jonathan authored “Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’ Initial Withdrawal Rate Too Safe?”, published in the October 2004 Journal of Financial Planning and a winner of its Call For Papers competition. He co-authored “Decision Rules and Maximum Initial Withdrawal Rates” with computer scientist William Klinger in March 2006. His professional peers named him a 2007 “Mover and Shaker” in Financial Planning magazine and one of InvestmentNews' "15 Transformational Advisors" of the past two decades in 2013. His comments have appeared in the Wall Street Journal, New York Times, Money and Kiplinger, among many others. He also presents to colleagues throughout the country on his writings and work with clients.Jonathan graduated Phi Beta Kappa from the College of William and Mary with a B.A. in Economics. He earned his Certified Financial Planner (CFP®) designation in 1989 and began advising clients soon thereafter. Professional accomplishments include: Retirement Columnist, Journal of Financial Planning and Wall Street Journal (Since 2010) Dean and Mentor, FPA Residency (Since 2003) National Board of Directors, Financial Planning Association (1999 – 2002)Jonathan lives in the Twin Cities and is an Eagle Scout.Specialties: Holistic Financial Planning and Wealth Management;Retirement Distribution Planning