Cedarstone Advisors

Cedarstone Advisors works with individual clients, retirement plans, trusts, estates, charitable organizations and business entities to provide fee‑only investment advisory and financial planning services. The firm typically charges asset‑based management fees and may separately provide or charge for standalone financial planning on an hourly basis.

The firm’s investment process emphasizes diversified asset‑allocation models implemented primarily through no‑load mutual funds and exchange‑traded funds, with portfolio construction informed by historical and projected returns, volatility and correlations. Cedarstone uses fundamental, technical and cyclical analysis as appropriate, provides ongoing monitoring and discretionary portfolio management, and serves as a fiduciary when advising retirement accounts.

Noteworthy features include a two‑advisor team managing roughly $198 million in discretionary assets and principals with backgrounds in accounting, corporate finance and trust administration. The firm may recommend less liquid vehicles such as non‑traded REITs, uses standing letters of authorization in limited circumstances to move client funds, does not vote client proxies, and receives basic research through its custodian — all implementation and potential conflicts that clients should review.