Bethesda, MD Office

Bluestone Financial Advisors is a small registered investment adviser that primarily serves entrepreneurs and business owners, along with high‑net‑worth individuals, corporations, and charitable organizations. It offers personal CFO services — financial planning, consulting, and, where elected, investment management — delivered as either short‑term project engagements or ongoing monthly retainer arrangements.

The firm’s working approach centers on acting as a personal CFO, emphasizing long‑term financial strategy, capital allocation, risk management, and reporting while using fundamental research to identify mutual funds, separate accounts, and private investment vehicles. Investment management may be provided on a discretionary, non‑discretionary, or assets‑under‑advisement basis, and planning and implementation are structured around written deliverables and client‑specific recommendations.

Notable differences from many peers include a fixed‑fee pricing model (project and monthly retainer fees) instead of the more typical percentage‑of‑assets billing, and a client focus on entrepreneurs and HNW households rather than general retail (non‑HNW) individuals. The firm operates with a very small advisory team managing over $200 million, discloses an affiliation between a firm principal and a related life insurance company, and regularly advises on complex or non‑standard assets such as private funds, legacy business interests, and retirement plan rollover decisions.