Cornerstone Wealth

A different approach to managing wealth.

Independent RIA · $1.2 Billion Under Management

You've built something substantial.
Your advisor relationship hasn't kept pace.

Your advisor calls when quarterly numbers are due—rarely otherwise
You're not certain who actually manages your portfolio day-to-day
Tax consequences feel like an afterthought, addressed each April
You suspect you're paying more than you should, but the fee structure is opaque
Questions about estate planning or equity compensation go to different departments, different people

What "fiduciary" actually means—
and why it matters to you.

Wirehouse (Merrill, Morgan Stanley)

Suitability standard: recommendations must be "suitable," not necessarily optimal
Commission incentives on proprietary products
Advisors are employees, compensated to sell
Conflicts of interest are disclosed, not eliminated

Cornerstone Wealth (RIA)

Fiduciary standard: legally obligated to act in your best interest
Fee-only: no commissions, no product sales
Independence: we answer to you, not a parent company
Conflicts are eliminated by design, not managed through disclosure

How we invest.

Quiet conviction, grounded in evidence.

Tax-Aware by Default

Every trade considers tax consequences. Asset location, loss harvesting, and gain deferral are built into the process—not bolted on.

Low Turnover

We don't trade to justify fees or generate activity reports. Average portfolio turnover: 8% annually. This preserves capital and reduces drag.

Factor-Tilted Indexing

Core positions in low-cost index funds, tilted toward factors with decades of academic support: value, quality, momentum. No speculation.

Tax drag is the silent cost
most advisors ignore.

$47,000

Average annual tax savings for Cornerstone clients vs. their prior advisor arrangements

This figure comes from systematic tax-loss harvesting, strategic asset location between taxable and retirement accounts, and deliberately low turnover. Over a decade, the compounding effect is substantial.

A direct comparison.

On a $5 million portfolio, the fee difference compounds significantly.

Typical Wirehouse

1.25%

Cornerstone Wealth

0.65%

On $5M over 20 years (assuming 6% annual growth):

$1.4M

Additional wealth retained by choosing Cornerstone over a 1.25% wirehouse fee.

Your team. Three people.
One relationship.

Your Lead Advisor

CFA, CFP® · 22 Years

Direct access. Not a call center. The same person who builds your plan is the one who answers when you call.

Tax Specialist

CPA · 15 Years

Coordinates with your outside accountant or handles tax planning directly. Integrated, not siloed.

Estate Planner

JD · 18 Years

Works alongside your estate attorney to ensure investment strategy and estate documents stay aligned.

Your assets never touch our books.

Independence with institutional-grade custody.

Third-Party Custody

Your assets are held at Schwab or Fidelity—never at Cornerstone. You receive statements directly from the custodian. We have no ability to withdraw funds.

SIPC Protection

Custodial accounts are protected up to $500,000 (including $250,000 for cash) by SIPC. Schwab and Fidelity carry additional excess coverage.

SEC Registration

Cornerstone Wealth is a registered investment adviser with the SEC. Our Form ADV—including fees, conflicts, and disciplinary history—is public record.

Annual Compliance Audit

An independent third party audits our compliance program annually. We exceed regulatory minimums by design.

Schwab Fidelity

Let's review your current portfolio together.

No commitment, no pressure. We'll examine what you own, what you're paying, and where tax efficiency might be improved. If there's a fit, we'll discuss it. If not, you'll leave with useful perspective.

Schedule a Conversation

Or reach us directly: (555) 412-8800 · wealth@cornerstoneria.com

Cornerstone Wealth

You've built something substantial.Your advisor relationship hasn't kept pace.

What "fiduciary" actually means—and why it matters to you.

Wirehouse (Merrill, Morgan Stanley)

Cornerstone Wealth (RIA)

How we invest.

Tax-Aware by Default

Low Turnover

Factor-Tilted Indexing

Tax drag is the silent costmost advisors ignore.

A direct comparison.

Your team. Three people.One relationship.

Your Lead Advisor

Tax Specialist

Estate Planner

Your assets never touch our books.

Third-Party Custody

SIPC Protection

SEC Registration

Annual Compliance Audit

Let's review your current portfolio together.

You've built something substantial.
Your advisor relationship hasn't kept pace.

What "fiduciary" actually means—
and why it matters to you.

Tax drag is the silent cost
most advisors ignore.

Your team. Three people.
One relationship.