Fee-only fiduciary · Boston · Since 1998 Client portal login
Service 02 of 04
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.
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.
In a down year, the disciplined version of our job is unheroic: harvest the losses, rebalance into the decline, and talk a family out of selling at the bottom. That year matters more than the up ones.
A composite example for this sample site. Details changed, arithmetic kept honest.
Your targets, limits, and rebalancing rules, written in plain English and signed by both of us.
Low-cost funds across stocks, bonds, and real assets, sized to the plan rather than a forecast.
Old holdings move in a tax-aware order, sometimes over several years, so taxes don't eat the switch.
Rebalancing and tax-loss harvesting on a set schedule, not on a hunch or a headline.
Returns net of every fee, shown next to fair benchmarks, in the client portal.
Hypothetical example
The same $1,000,000 portfolio, the same 6% yearly return before costs, two different all-in cost levels.
One extra percent a year sounds small. Compounded for twenty years, in this example, it costs nearly half a million dollars.
Hypothetical example, compounded yearly, before taxes. The 6% figure is an assumption for illustration only, not a forecast for any portfolio.
Who leads this work
Priya's main focus: evidence-based portfolio construction. Every family also has a second advisor who knows the plan. Meet the team
We can't prevent losses, and no one honestly can. Investing involves risk, including the loss of money you put in.
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. We build with broadly diversified, low-cost funds. We don't try to predict which company, sector, or country wins next.
At an independent custodian, in accounts in your name. With your permission we can place trades and deduct our fee, but we can't withdraw money to ourselves.
We follow the policy we wrote with you: rebalance, harvest losses where it helps with taxes, and keep talking. The goal is to avoid selling at the worst moment.
One plan, four disciplines
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.
How it works: Financial planningIt'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.