Independent SEC-registered RIA · Founded 2002
Wealth management built around your family.
Cornerstone Capital is a fee-only fiduciary wealth-management firm working with 240 client families. Generational planning, integrated tax strategy, and a real partner relationship.
Fee-only fiduciary · SEC-registered RIA · $1.2B AUM · Average client tenure: 14 years
By the numbers
$1.2B
Assets under management
240
Client families
14 yrs
Average client tenure
100%
Fee-only · No commissions
What we do
Comprehensive wealth management
Investment management
Globally diversified portfolios. Tax-aware. Re-balanced systematically. Manager selection where active makes sense; index where it doesn’t.
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Retirement planning
Confidence-based planning. Sequence-of-returns risk modeling. Roth conversion strategy. Social Security claiming.
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Tax planning
Coordination with your CPA. Tax-loss harvesting. Roth conversions. Charitable giving strategy. Estate-tax planning.
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Estate + legacy
Coordination with estate attorneys. Trust funding. Beneficiary design. Generational wealth-transfer strategy.
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Insurance review
Annual review of life, disability, and long-term care insurance. We don’t sell insurance; we evaluate it.
Cash-flow planning
For pre-retirees: bridging the gap between paycheck and portfolio. For retirees: sustainable withdrawal strategy.
Retirement readiness check
Are you on track?
Five quick inputs. Confidence score, projected portfolio, and any gap. Not a substitute for planning, but a useful starting point.
Retirement readiness check
Five inputs, then a confidence score and projected gap. Not a substitute for planning — but a useful starting point.
Estimates use industry-standard assumptions: 5% real return on portfolio, 3% inflation, 90th-percentile longevity. We’ll send a personalized PDF after.
255270
506575
Confidence score
37/100
Where 75+ is generally on-track, 50–75 needs attention, below 50 needs strategic planning.
Projected portfolio at retirement
$2.225M
Assumes 5% real return + steady savings. Doesn’t account for tax-location strategy or sequence risk.
Annual income gap (if any)
$31K/yr
Assumes 4% withdrawal rate. Closing the gap typically involves more savings, working longer, or lower retirement spend.
Working together
From introduction to ongoing partnership
- 1Step 1No-cost introduction60–90 minute conversation about your goals, current situation, and whether we’re a fit.
- 2Step 2Discovery + planComprehensive plan delivery within 4–6 weeks. We address all the dimensions, not just investments.
- 3Step 3ImplementationCustodian setup, portfolio transition, beneficiary updates. Coordination with your CPA + attorney.
- 4Step 4OngoingQuarterly review. Annual deep-dive. Always available between for life changes that need a plan revision.
From clients
What clients say
“We’d been with a wirehouse for 22 years. Switched to Cornerstone in 2018. The difference is night-and-day — actual planning, no product pitches, and our advisor knows our family.”
M+
Marcus + Eleanor C.
Boston · Clients since 2018
“Cornerstone helped us navigate the sale of our business — coordinated with our CPA + attorney + business broker on the tax-optimal structure. Saved us mid-six-figures.”
A
Anonymous
Concord · Business sale planning · 2022
“Our advisor caught a tax mistake on our estate plan that two other advisors had missed. Saved our heirs significant tax. Worth ten years of fees in one moment.”
PG
Patricia G.
Wellesley · Clients since 2014
Common questions
Before you reach out
- We charge an annual fee based on assets under management. Fees range from 0.5% to 1.0% depending on portfolio size, with breakpoints. We don’t earn commissions, kickbacks, or product revenue.
Get in touch
Schedule a no-cost introduction
60–90 minutes. We discuss your situation; you decide if we’re a fit. Most introductions don’t lead to engagement — and that’s fine.