Cornerstone Wealth Advisors, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$145,630,000
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
155
32% high-net worth
Total advisors
4
of 4 employees
Firm size
Team
4-10 advisors or $500M+ in AUM
Average clients per advisor
39
Average account size
$939,548
About
Cornerstone Wealth Advisors, Inc. serves individuals (including high‑net‑worth clients), trusts, estates, charitable organizations and retirement plans. The firm provides financial planning, discretionary investment management through model and custom portfolios, selection of third‑party managers, and ERISA plan services.
Investment management is delivered through a proprietary strategic asset‑allocation framework (Conservative to Aggressive) and client‑specific custom portfolios composed of separately managed accounts, mutual funds, ETFs, equities and fixed income; the firm typically manages accounts on a discretionary basis and may recommend TPMs for portions of client assets. CWA applies fundamental and cyclical analysis, conducts routine due diligence on TPMs, and reviews accounts at least annually or upon material client or market events.
Notable distinctions include the firm’s explicit ERISA 3(21) and 3(38) plan services for qualified and non‑qualified retirement plans (e.g., 401(k) and 403(b)), a capability that is less common among peers in this team category and positions the firm to work with plan sponsors. The brochure also discloses that several wealth advisors are licensed insurance agents (one advisor reports spending no more than ten percent of his time on insurance sales) and that the firm’s principal operates related bookkeeping and CFO businesses (approximately half of her time); these arrangements and potential conflicts are disclosed and subject to the firm’s conflict‑of‑interest procedures.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Debt management
General tax planning
Social Security optimization
Charitable giving tax strategies
Retirement income strategy
Occupation focus
Founder/Business Owner
Retired
Fee options
Financial Planning Services flat fee up to $10,000
$0 - $250,000: 1.50% annually $250,000.01 - $500,000: 1.40% annually $500,000.01 - $750,000: 1.30% annually $750,000.01 - $1,000,000: 1.20% annually $1,000,000.01+: Negotiable Rate
Wealth advisors may receive commissions on insurance products sold to clients
Financial Planning Services charged at $250 per hour
Account minimum: $25,000 for Model Portfolio Program; $1,000,000 for Custom Portfolio Program (both may be waived at firm's discretion) Fee-only: Financial Planning Services charged hourly or fixed fee
Main office location
Cornerstone Wealth Advisors, Inc.
1808 Aston Avenue, Suite 150
Carlsbad CA 92008, United States
Number of offices
3
Most active in
Cornerstone Wealth Advisors, Inc. has reported serving >5 clients in these states in the last 12 months.
California · South Carolina · Texas
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
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