Fiduciary, always
We are legally and contractually bound to put your interests first — on every account, every recommendation, every day. Not just when it's convenient.
Fee-only fiduciary · Boston, Massachusetts
Wealth, stewarded across generations
Cornerstone Capital is an independent, fee-only advisory firm. We're paid only by the families we serve — never by commissions, never by products — so every recommendation has exactly one master: your plan.
- Fiduciary on every account
- CFP® & CFA advisors
- No commissions, ever
480 families
many into a second
and third generation
- families entrusted — many into a second and third generation
- 480
- assets under advisement, held at independent custodians
- $1.4B
- first plans written — the founding families are still clients
- 1998
- of revenue comes from client fees. No commissions, ever.
- 100%
The cornerstone principles
Four commitments, carved in
Fee-only, in writing
Our only compensation is the transparent fee you pay us. No commissions, no revenue sharing, no products to push — so advice never has a sales quota behind it.
Evidence over forecasts
We don't guess which stock, sector, or headline wins next year. We build diversified, low-cost, tax-aware portfolios and let discipline do the compounding.
Ranges, not promises
Markets don't move in straight lines, so honest planning can't either. Every projection we show you comes as a band of outcomes — including the uncomfortable one.
What we do
One plan. Four disciplines.
Financial planning
The plan is the product
A living, scenario-tested plan for retirement readiness, education funding, major purchases, and the what-ifs in between — revisited every year, not printed and shelved.
How it works — Financial planningInvestment management
Diversified, low-cost, disciplined
Globally diversified portfolios built from low-cost funds, sized to your plan rather than to a market forecast, and rebalanced with discipline instead of adrenaline.
How it works — Investment managementTax coordination
It's what you keep that compounds
We coordinate with your CPA so the plan, the portfolio, and the tax return act like one strategy — asset location, withdrawal sequencing, Roth conversions, and charitable timing.
How it works — Tax coordinationEstate coordination
The plan should outlive its authors
We make sure the estate documents your attorney drafts actually match how your accounts are titled and who your beneficiaries are — then help the next generation understand the plan.
How it works — Estate coordinationHow an engagement unfolds
Listen first. Then plan.
Every family follows the same five movements — from a document-free first conversation to a plan that gets stress-tested, implemented, and kept honest year after year.
Walk through the process-
Discovery
A 45-minute conversation about what the money is for.
-
Organize
One clear picture of everything you own and owe.
-
Plan
Scenarios tested in ranges — including the bad ones.
-
Implement
Coordinated moves, in priority order.
-
Steward
Reviews that keep the plan honest as life changes.
Retirement readiness
Run your numbers in honest ranges
Our readiness check projects your savings at 4%, 6%, and 8% — three disciplined scenarios, not one flattering line — then translates every figure into today's dollars. Because a projection you can't trust isn't a plan.
Check your readinessWorked example — 45, retiring at 65, $350,000 saved, $1,500/mo added
- Cautious (4%/yr) $1,328,066 ≈ $810,480 in today's dollars
- Balanced (6%/yr) $1,851,633 ≈ $1,129,998 in today's dollars
- Growth (8%/yr) $2,607,912 ≈ $1,591,533 in today's dollars
Hypothetical illustration, compounded monthly, before fees and taxes. Projections aren't promises — that's rather the point.
“We are paid only by you. That sentence is our business model.”
Fee-only isn't a slogan here — it's a signed promise, with our conflicts of interest disclosed in plain English, including the ones every advisory firm would rather not mention.
Your advisory team
Credentialed, salaried, on your side
Eleanor Voss, CFP®, CFA
Founding Partner · Chief Investment Officer
Marcus Okafor, CFP®
Partner · Senior Wealth Advisor
Priya Raghavan, CFA
Partner · Director of Investment Research
Daniel Whitfield, CFP®
Senior Advisor · Estate & Legacy Coordination
Insights
Writing that respects your intelligence
May 12, 2026 · 9 min read
Planning in ranges, not points: why we'll never hand you one big number
Most retirement projections fail the same way: they average away the exact risks that ruin retirements. Here's how sequence risk actually works — and why an honest plan is a band of outcomes, not a point.
By Eleanor Voss, CFP®, CFA
March 24, 2026 · 8 min read
How to read any advisor's fee schedule (including ours)
Fee-only, fee-based, commission — the words are close enough to be confusable, and that's not an accident. A field guide to what advice really costs, with the marginal-tier math worked out in the open.
By Marcus Okafor, CFP®
The first step is free
Begin with a conversation, not a commitment
An introduction is 45 unhurried minutes — your questions, our honest answers, and a clear sense of whether we're the right fit. No fee, no obligation, and nothing to sign.