Bluestone� Financial Advisors, LLC

Bluestone Financial Advisors, LLC is a registered investment adviser specializing in providing investment and non-investment advisory services to entrepreneurs. Established in June 2008, the firm serves as a personal CFO to entrepreneurs, focusing on financial planning, consulting, and investment management. Services offered include financial planning, consulting, and non-investment advisory services for various asset types such as cash management, real estate, and estate planning. Bluestone operates on a fixed fee basis, offering two service models: Project (short-term planning services) and Retainer (long-term planning services). The firm primarily uses fundamental analysis to evaluate securities and construct client portfolios using mutual funds, separate accounts, and other investment vehicles. Bluestone acts as a fiduciary, obligated to act in clients' best interests. Clients have the option to grant discretionary or non-discretionary trading authority, with the firm recommending the use of Charles Schwab for brokerage services. The firm does not charge performance-based fees or engage in side-by-side management. Minimum investment amounts are not required, and the firm does not have custody of client assets. Key personnel include Andrew S. Cosgrove, the Principal and Chief Compliance Officer, and Ryan Beckwith, a Financial Analyst. The firm's investment philosophy emphasizes risk management and long-term financial strategy for clients. For more detailed information, clients can refer to the Form ADV Part 2A and 2B brochures available on the SEC's website.