Cornerstone Financial

Cornerstone Financial Management provides investment management and financial planning to individuals, high‑net‑worth clients, trusts and estates, reporting approximately $118 million in assets under management for about 200 clients as of December 31, 2025. Its services include non‑discretionary portfolio management using diversified mutual funds and ETFs, retirement‑account advice, and written financial planning engagements.

The firm’s investment process is rooted in fundamental analysis with a generally long‑term orientation, building portfolios from low‑cost mutual funds and ETFs and, when appropriate, individual stocks or bonds, while monitoring holdings and recommending rebalancing or tax‑related sales. Cornerstone manages client accounts on a non‑discretionary basis—obtaining client approval prior to trade execution—and also offers a bundled wrap fee program that covers certain custodial and transaction costs.

Noteworthy features compared with peers include that nearly all reported AUM is managed non‑discretionarily and that the firm sponsors a wrap‑fee program, both of which are uncommon among similar supported firms. The brochure discloses recent material changes (including an application to register with the SEC) and notes that advisory personnel hold insurance licenses and may earn commissions from insurance sales, a potential conflict the firm describes and documents.