Cornerstone Financial Advisors Ltd.

Cornerstone Financial Advisors Ltd. is a small, state-registered independent investment adviser that manages portfolios for individuals, trusts, corporations and small businesses, offering discretionary investment management and related planning services. The firm typically documents client objectives with a written investment policy statement, monitors asset allocation, and implements portfolios using no-load mutual funds, ETFs and model portfolios.

The firm’s investment approach is grounded in Modern Portfolio Theory and favors passive, asset-class diversification—principally low‑turnover mutual funds (including funds from Dimensional Fund Advisors), ETFs and conservative fixed‑income holdings. Cornerstone uses planning tools such as Monte Carlo analysis, may retain individual equities in specific tax or personal situations, and delegates separate fixed‑income portfolio management and back‑office functions to a third‑party subadvisor.

Distinctively for a solo independent adviser, Cornerstone is affiliated with accounting firms operated by the firm’s principal, and the firms may exchange recommendations while maintaining separate services and no referral‑fee arrangements. The firm also accepts institutional‑type clients (corporations and small businesses) in addition to individual clients, and it operates with a very small client base and modest assets under management while the principal’s primary business activity is accounting, with a limited portion of time devoted to advisory services.