Cornerstone Financial Planning, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
25
0% high-net worth
Total advisors
1
Firm size
Independent
1 advisor
Average clients per advisor
25
Average account size
$0
About
Cornerstone Financial Planning provides personalized, fee-only financial planning and advisory services to individuals, trusts, estates, and small businesses, addressing retirement, tax, cash‑flow, insurance, investment, education funding, and estate planning. The firm does not sell financial products or accept commissions; it delivers recommendations and counseling while clients retain custody and control of their assets.
The firm’s advice is grounded in Modern Portfolio Theory and efficient‑market principles, favoring diversified, low‑cost index funds and ETFs with periodic rebalancing, and it presents recommendations in written plans and client-specific Statements of Understanding. Engagements are structured as fixed‑fee arrangements that deliver ongoing access to the adviser and tailored reviews rather than performance‑based compensation.
What is noteworthy about the firm compared with many peers is its emphasis on fixed, fee‑only financial planning rather than commission or performance fees, and its practice of having clients engage other professionals (attorneys, accountants, insurance agents) directly without accepting referral fees. The firm is a small, sole‑advisor practice that does not act as custodian, does not advise private funds, and maintains documented continuity, privacy, and supervisory procedures.
Client services
Financial planning
Selection of other advisers
Expertise
General retirement planning
General tax planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Fixed fees quoted for financial planning services based on complexity; initial $300 fixed fee for first two meetings; segmented financial planning fees up to $500
Minimum fee: Fixed non-refundable fee of $300 for first two face-to-face meetings Fee-only: Financial planning fees based on fixed fee for scope of work, priced at $100 per hour as a guideline but quoted as fixed fees; segmented fees up to $500 for limited engagements
Main office location
Cornerstone Financial Planning, Inc.
Gaithersburg MD, United States
Number of offices
0
Most active in
Cornerstone Financial Planning, Inc. has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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