Cedarstone Advisors

Cedarstone Advisors is a financial advisory firm established on July 30, 2014, and registered with the SEC since March 16, 2018. The firm specializes in providing investment advisory and financial planning services on a fee-only basis. Clients are required to enter into an Investment Advisory Agreement setting forth the terms, services, and fees. Cedarstone primarily allocates client investments among various mutual funds and exchange-traded funds, with a focus on developing a diversified investment allocation tailored to each client's objectives. The firm operates as a fiduciary, acting in the best interest of clients, particularly in retirement accounts. Cedarstone does not maintain custody of client funds, except for fee deductions. The minimum account size required is $500,000, with an annual management fee based on a percentage of assets under management. Clients may also opt for financial planning services at an additional fee. The investment strategy is based on fundamental research, asset allocation decisions, and risk assessment. Cedarstone Advisors does not charge performance-based fees and allows clients to impose reasonable restrictions on services. The firm's team includes Steve Coker, a Certified Financial Planner with a background in accounting and finance, Carole Meitler, a Certified Public Accountant, and Michael Ryne, an Associate Financial Advisor with Series 7, 66, and 99 certifications. Clients receive regular account statements and have the option to review financial plans annually. The firm's professionals adhere to a Code of Ethics and are supervised by Steve Coker, the Chief Compliance Officer.