Frequently Asked Questions

What parent company do you represent?
We are a privately owned independent investment firm. Because we are not affiliated with any other banks or brokerage firms, we do not sell a “one size fits all” investment product. Our products are customized analysis, advice, and service for each client we represent.

What is the difference between you and a Broker?
At Cornerstone, we do not have any securities licenses, which means we cannot legally receive a commission on a buy-or-sell transaction. Because a broker is compensated by a commission, they are more likely to be motivated by what products they can sell, rather than by their client’s best interest.

Whose investment ideas do you use?
At Cornerstone, our strengths are in original research in finding investments. We monitor a universe of proprietary models which allow us to gauge the condition of the domestic and global economy. Next, we form a theme for the macroeconomy to guide us through the investment decision making process. We then review the appropriate securities, further researching the results to determine which investments will have the best return potential.

How is compensation determined for services?
Investment Management services are compensated by a fee-only percentage of assets under management. Investment Consulting services are billed at an hourly rate of $125.

Does Cornerstone serve as a fiduciary for its clients?
As CFA holders, we have a fiduciary responsibility to our clients. This means we will always act in the best interest of our clients, unlike many brokers solely looking to make a profit, when providing financial advice and investment selections.

You’re CFPs, right?
A Certified Financial Planner creates financial plans to help clients reach their financial goals, providing assistance with life insurance, estate planning and taxation. We provide all of the above, as well as expert investment research, selection, and management that CFPs may not be qualified to do.

Did we answer your question? If not, please contact us.