Cornerstone Investment Advisors, LLC

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Client assets under management

$169,080,583

Clients

115

50% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$1,470,266

About

Cornerstone Investment Advisors provides comprehensive financial planning and both discretionary and non‑discretionary portfolio management to individuals, families, trusts and estates, pension and profit‑sharing plans, charitable organizations, and small businesses. The firm manages roughly $181 million for about 115 clients through a small advisory team and also offers pension consulting, participant education, and access to third‑party sub‑advisors and model portfolios.

Investment advice is organized around strategic asset allocation grounded in Modern Portfolio Theory and global diversification, using mutual funds, ETFs, individual equities, fixed income, options and alternative vehicles as appropriate. The firm regularly uses sub‑advisors and, unusually for peers, may permit borrowing/margin in separately managed accounts and counts margin balances when calculating assets under management, a practice that can increase billable assets.

Distinctive operational features include an owner’s minority interest in a holding company that formed a federally chartered trust company to which the firm refers clients, and the firm’s acceptance of fee‑deduction authorizations and standing transfer instructions that can result in it being deemed to have custody in certain situations. Cornerstone also makes use of more complex instruments and strategies — including structured notes, buffer and leveraged/inverse funds, and potential cryptocurrency exposure — and provides ongoing account monitoring and tailored pension plan services.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

General retirement planning College savings (529s, UTMA, etc.) Active portfolio management Private / alternative investments

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Fixed fees for financial plans range from $1,000 to $10,000, retainer fees also charged

Percentage

$0 - $1,000,000: up to 0.90% supervisory fee / up to 1.5% management fee $1,000,000 - $2,000,000: up to 0.80% supervisory fee / up to 1.4% management fee $2,000,000 - $8,000,000: up to 0.70% supervisory fee / up to 1.2% management fee $8,000,000 - $10,000,000: up to 0.60% supervisory fee / up to 1.0% management fee $10,000,000+: fees by proposal

Project-based

Up to $300 per hour for financial planning services

Other

Minimum fee: Financial planning fixed fees range from $1,000 to $10,000; hourly rate up to $300/hour Fee-only: Fees charged based on percentage of AUM, hourly charges, and fixed fees for financial planning and pension consulting

Main office location

Cornerstone Investment Advisors, LLC

1790 38 Th Street, Suite 207

Boulder CO 80301, United States

Number of offices

Most active in

Colorado · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 303-545-5400

Advisors at this firm

Dennis C

CFP®, Series 63

Boulder, CO

Cornerstone Investment Advisors, LLC

Dennis Channer is a CFP® professional with 25 years of industry experience and has been with Cornerstone Investment Advisors, LLC since 2001. He holds a Series 63 license and is based in Boulder, Colorado. Outside of his advisory role, he is a member of The Private Trust Consortium, LLC, where he provides fiduciary support services. Cornerstone Investment Advisors offers comprehensive financial planning and investment advisory services to individuals, families, trusts, pension and profit-sharing plans, charitable organizations, and small businesses. The firm employs strategic asset allocation grounded in Modern Portfolio Theory and constructs globally diversified portfolios using a range of investment vehicles, implementing client objectives through written investment policy statements, ongoing monitoring, and periodic rebalancing.

General retirement planning College savings (529s, UTMA, etc.) Active portfolio management Private / alternative investments Founder/Business Owner Retired

David D

CFP®, CFA®, Series 63, Series 65

Boulder, CO

Cornerstone Investment Advisors, LLC

David Darmour is a CFP® and CFA® with 25 years of experience at Cornerstone Investment Advisors, LLC in Boulder, CO, where he has worked since 2001. He is also involved with TFA Holdings, LLC, providing fiduciary support services related to business administration and tax filings. Cornerstone Investment Advisors offers financial planning and investment advisory services to individuals, families, trusts, pension and profit-sharing plans, charitable organizations, and small businesses. The firm uses a strategic asset allocation approach based on Modern Portfolio Theory and constructs globally diversified portfolios across multiple asset classes, implementing client objectives through written investment policy statements and ongoing portfolio management.

General retirement planning College savings (529s, UTMA, etc.) Active portfolio management Private / alternative investments Founder/Business Owner Retired

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