Fee-only fiduciary · Boston · Since 1998 Client portal login
Service 01 of 04
The plan is the product
A living plan, tested in scenarios, for retirement readiness, education funding, big purchases, and the what-ifs in between. We revisit it every year instead of printing it and shelving it.
Is this you?
How it works
Every engagement follows the same rhythm, so you always know what happens next and why. The full five-step process is on our approach page.
A couple, 54 and 56, wanted to know if one of them could step back to part-time. We modeled it three ways and found the honest answer: yes, if they delayed one pension by two years.
A composite example for this sample site. Details changed, arithmetic kept honest.
A 45-minute talk about what the money is for, before any spreadsheet appears.
We build one family balance sheet from your accounts, policies, and documents.
We run the plan at three return rates and stress it with the bad years on purpose.
You get a short, ranked list of moves, and we agree on the order together.
Two reviews a year, plus a call any time life changes the inputs.
Hypothetical example
Two savers each put away $1,000 a month until 65. One starts at 35, the other at 45.
The early saver puts in $120,000 more and, in this example, ends up with more than twice as much. Time is the input a plan can't buy back.
Hypothetical example at 6% a year, compounded monthly, before fees, taxes, and inflation. Not a prediction or a promise; real returns vary and can be negative.
Who leads this work
Eleanor's main focus: multigenerational family planning. Every family also has a second advisor who knows the plan. Meet the team
A plan is a set of decisions, not a forecast. We update it as your life and the markets change, and we show you when an answer moves.
Wealth management clients get all four services for one tiered fee. As an example, a household with $1,500,000 would pay $12,250 a year under our sample schedule. Planning only? Foundations planning is a flat $4,800 a year.
The full fee scheduleCommon questions
More answers on fees, custody, and how we work are on the full FAQ.
No. Our flat-fee Foundations planning includes the full plan and two reviews a year, and you keep managing your own accounts.
Usually about three months: two working meetings to gather the facts, then a plan meeting where we walk through the scenarios and agree on next steps.
No honest plan can. We show a cautious, a balanced, and a growth scenario in today's dollars, so you can plan around the range instead of one number.
One plan, four disciplines
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 managementIt's what you keep that compounds
We work with your CPA so the plan, the portfolio, and the tax return act like one strategy: asset location, withdrawal order, Roth conversions, and charitable timing.
How it works: Tax coordinationThe plan should outlive its authors
We make sure the documents your attorney drafts match how your accounts are titled and who your beneficiaries are. Then we help the next generation understand the plan.
How it works: Estate coordinationNot investment advice. Cornerstone Capital is a fictional firm on a sample site. Examples are hypothetical and for illustration only; investing involves risk, including possible loss of principal.
The first step is free
Forty-five minutes, no fee, no obligation. Bring the question that sent you to this page, and we'll tell you honestly whether we can help.