Cornerstone Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$14,510,481
Clients
23
22% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
23
TypicalAverage account size
$630,890
About
Cornerstone Financial Planning is an independent, fee-only registered investment adviser that serves individual clients — from early- and mid-career savers to those nearing or in retirement — through wealth management, ongoing financial planning, discretionary investment management, and occasional educational seminars and speaking engagements. The firm manages approximately $14.5 million across a small client base and offers both standalone planning and integrated wealth management engagements.
The firm provides fiduciary advice that integrates financial planning and portfolio management, often using a time-horizon “bucket” approach to segment assets for near-, intermediate-, and long-term needs and employing diversified, factor-informed allocations for long-term growth. Portfolios are managed on a discretionary basis with ongoing monitoring and situational rebalancing, and planning frequently considers held-away assets and real estate within the client’s broader financial picture.
What is noteworthy about this firm compared with many peers is its active provision of educational seminars and workshops — a service relatively uncommon among independent advisers — and its use of flat, tiered advisory fees instead of a customary percentage-of-assets pricing model. As a single-advisor practice, it emphasizes tailored service tiers for different life stages and maintains policies addressing personal trading, custody arrangements, and coordination with outside professionals when clients’ situations require it.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Real estate investment services
Expertise
Real estate investing
Retirement income strategy
Social Security optimization
Tax strategies for small businesses
Occupation focus
Founder/Business Owner
Self-Employed
Demographic focus
Mid-Career Professionals
Approaching retirement
Retired
Fee options
Up to $2,000,000 - $2,000,000: Growth Tier: $8,000 annual fee $2,000,001 - $2,500,000: Growth Tier: $9,500 annual fee $2,500,001 - $3,000,000: Growth Tier: $11,000 annual fee $3,000,001 - $3,500,000: Growth Tier: $12,500 annual fee $3,500,001 - $4,000,000: Growth Tier: $14,000 annual fee $4,000,001 - $4,500,000: Growth Tier: $15,500 annual fee $4,500,001 - $5,000,000: Growth Tier: $17,000 annual fee $5,000,001 - $5,500,000: Growth Tier: $18,500 annual fee $5,500,001+: Growth Tier: $20,000 maximum annual fee Up to $2,000,000 - $2,000,000: Legacy Tier: $10,000 annual fee $2,000,001 - $2,500,000: Legacy Tier: $11,250 annual fee $2,500,001 - $3,000,000: Legacy Tier: $12,500 annual fee $3,000,001 - $3,500,000: Legacy Tier: $13,750 annual fee $3,500,001 - $4,000,000: Legacy Tier: $15,000 annual fee $4,000,001 - $4,500,000: Legacy Tier: $16,250 annual fee $4,500,001 - $5,000,000: Legacy Tier: $17,500 annual fee $5,000,001 - $5,500,000: Legacy Tier: $18,750 annual fee $5,500,001+: Legacy Tier: $20,000 maximum annual fee $100,000 - $250,000: Investment Management Services: $2,500 annual fee $250,001 - $500,000: Investment Management Services: $5,000 annual fee $500,001 - $1,000,000: Investment Management Services: $7,500 annual fee
Account minimum: $100,000 Minimum fee: Minimum annual fee for Growth tier: $8,000; Minimum annual fee for Legacy tier: $10,000; Minimum annual fee for standalone financial planning: $6,000 Fee-only: Advisory fees paid directly by clients; no commissions or other compensation from product sales.
Main office location
Cornerstone Financial Planning
Colorado Springs CO, United States
Number of offices
2
Most active in
Cornerstone Financial Planning has reported serving >5 clients in these states in the last 12 months.
California · Colorado · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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