Cornerstone Investment Advisors, LLC

Cornerstone Investment Advisors, LLC is an independent financial services firm specializing in comprehensive financial planning and investment advisory services. Established in 2001, the firm's compensation is solely from fees paid directly by clients, with no commissions accepted. Assets under management are held by independent custodians in the client's name. The firm provides financial planning services covering cash flow analysis, retirement analysis, portfolio analysis, education savings analysis, and estate analysis. Investment strategies include strategic asset allocation based on Modern Portfolio Theory, utilizing various securities such as equities, bonds, mutual funds, and more. Cornerstone offers discretionary and non-discretionary portfolio management services, tailoring investment advice to meet clients' needs and objectives. The firm may recommend sub-advisors or third-party investment advisors for certain services, considering factors like performance, fees, and client needs. Clients may choose to use third-party advisors or custodians recommended by Cornerstone. The firm does not engage in performance-based fees and does not vote proxies unless instructed by clients. Cornerstone does not have any disciplinary information to disclose and maintains a Code of Ethics ensuring integrity, objectivity, and fairness in its practices. The firm does not require prepayment of fees exceeding $1,200 in advance.