Cornerstone Advisory, LLC

Cornerstone Advisory provides financial planning, asset and portfolio management to individual clients — including high net worth households — and to employer-sponsored retirement plans. The firm also offers third-party manager selection, ongoing supervisory services, and participant education for self-directed plan participants.

The firm delivers both discretionary and non-discretionary management, though its regulatory filings show most assets ($17,245,034 of $19,433,399) are managed on a non-discretionary basis while $2,188,365 is discretionary. Its investment work combines fundamental and technical analysis, uses asset-allocation and modern portfolio theory concepts, and frequently implements no‑load institutional mutual funds, variable annuity sub‑accounts, and approved third‑party managers (including platforms noted in its TPM disclosures).

Cornerstone is affiliated with a broker-dealer and its advisers are registered representatives, and its supervised persons also maintain insurance licenses and may sell annuity and insurance products (disclosed as a limited portion of time and revenue). These affiliations — and the firm’s explicit ERISA 3(21) plan services and TPM program — create potential conflicts disclosed in its brochure (commissions, solicitor arrangements, and fee offsets) that the firm says it manages through written policies and client authorizations.