Services
Comprehensive wealth management
Every Cornerstone client receives the full scope. We don’t bundle, unbundle, or sell services à la carte — comprehensive planning is the only way it works.
Investment management
The portfolio
Globally diversified
U.S. + international + emerging markets equity. Investment-grade + intermediate-term bonds. Real estate + commodities where appropriate.
Tax-aware location
High-tax assets in qualified accounts; tax-efficient assets in taxable. Often saves clients 0.5%–1.0% annually.
Low-cost
Average portfolio expense ratio across managed assets: 0.18%. We use Vanguard, DFA, and a select few active managers.
Tax-loss harvesting
Systematic harvesting in taxable accounts. Reinvested in similar (not identical) holdings to preserve market exposure.
Re-balancing
Tolerance-band re-balancing — not calendar. Triggered by drift outside target ranges. Tax-aware.
Access to private markets
Where appropriate, qualified clients can access private credit, private equity, and venture funds through curated partner relationships.
Retirement planning
From accumulation to drawdown
Confidence-based modeling
Monte Carlo simulation across thousands of return paths. Probability of success at various spending levels.
Sequence-of-returns risk
Modeled explicitly. Bond ladders + cash buffers reduce vulnerability to early-retirement market drops.
Roth conversion strategy
Multi-year conversion roadmap to manage future tax brackets. Often a major lever for legacy planning.
Social Security claiming
Optimal claiming age modeled given your specific situation, longevity assumptions, and spousal coordination.
Pension + annuity decisions
Lump sum vs. annuity. Joint vs. single life. Survivor structuring.
Drawdown sequencing
Order of withdrawal across taxable, IRA, Roth. Maximizes tax efficiency over the full retirement horizon.
Tax planning
Coordination + strategy
CPA coordination
Direct annual coordination with your CPA. Tax planning isn’t deferred to year-end.
Tax-loss harvesting
Systematic in taxable accounts. Reinvest to preserve exposure while harvesting losses.
Roth conversions
Multi-year strategic conversions. Bracket management. Heir-tax minimization.
Charitable giving
Donor-advised funds, qualified charitable distributions, charitable remainder trusts. Coordinated with estate plan.
Stock comp planning
RSU vesting, ISO/NQSO exercise timing, AMT modeling, 10b5-1 plans. Common for executive clients.
Business sale strategy
Pre-sale tax structuring (often years ahead). Coordinated with M&A counsel + CPA. Major value-add.
Estate + legacy
Generational planning
Estate attorney coordination
We work with your existing attorney; if you don’t have one, we have referrals.
Trust funding + monitoring
Most trusts fail because they’re never funded. We make sure assets actually retitle to the trust.
Beneficiary review
Annual audit of all beneficiary designations across retirement accounts, life insurance, and TOD accounts.
Generation-skipping strategies
GST trusts, dynasty structures, intentionally defective grantor trusts. For clients with substantial multi-generational planning needs.
Gifting strategies
Annual exclusion gifting, gift-tax-free 529 funding, family loans at AFR rates. Modeled for tax efficiency.
What we don’t do
Out of scope
- We don’t sell insurance, ever. We evaluate your existing policies and refer to vetted independent insurance brokers when new policies are needed.