Fee-only fiduciary wealth management since 1998. We sit on the same side of the table as our clients: no commissions, no proprietary products, no incentive that isn't visible on the engagement letter. $1.84B under management; 320 client households; 28 continuous years.
The fee model. The advisor tenure. The fiduciary registration. These three are how we describe the difference between Cornerstone and the broker-dealer at your local branch — and the only three things you should ask any wealth advisor.
Registered Investment Adviser since 1998. Sworn fiduciary on every engagement — no broker-dealer compensation, no insurance commission, no proprietary product. Audited annually; the audit report is on file for any client to read.
One fee covers planning, portfolio, tax coordination, and quarterly reviews. No load funds, no transaction commissions, no platform charges. Below $2M: 1.00%. Above $5M: 0.65%. Posted on the fee page; same on every engagement letter.
Andrea has been at the firm 26 years; Marcus 21; Priya 14. The advisor who sits across from you at the introduction will still be there at year ten. Industry-average tenure is 4 years; ours is the practice.
Five inputs, ninety seconds. We model a confidence score using industry-standard assumptions (5% real return, 3% inflation, 90th-percentile longevity, 4% sustainable withdrawal). Useful starting point for the introduction; not a planning engagement.
Planning, investment management, tax coordination, retirement income, estate, and concentrated-stock work. All bundled in the 0.85% AUM fee — no à-la-carte pricing, no surprise charges, no upsell.
Retirement projection, tax planning, insurance review, estate coordination. Refreshed annually with the spring meeting; standing on the engagement letter.
Portfolio construction across multiple goal accounts (retirement, education, legacy, gift). Rebalancing quarterly; tax-loss harvesting in taxable; ESG screening optional.
We don't prepare returns, but we coordinate with your CPA. Roth conversions, charitable bunching, capital-gain budgeting. 2024 saved clients ~$840K aggregate in capital-gain taxes.
Withdrawal sequencing, Social Security optimization, RMD planning, healthcare-cost layering. Most-requested service after the introduction.
Coordination with your estate attorney; trust funding; beneficiary review; family-meeting facilitation. We've coordinated 32 estate transitions in 2024.
Executive comp, RSUs, founder stock. Diversification plan, hedging, tax-aware unwinding. We've handled 14 IPO-related engagements in the last 5 years.
One fee, four tiers by AUM. Same fee on every engagement letter as on this page. No load funds, no transaction commissions, no platform charges. Includes everything in the service catalog above.
Fees billed quarterly in arrearsi · pro-rated by month at start + end of engagement.
i Quarterly billing in arrears means we charge after the quarter ends. If you join mid-quarter, we charge a pro-rated amount; same at the end of an engagement.
