Cornerstone Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cornerstone Financial Planning provides advisory services to individuals, including high‑net‑worth clients, through wealth management, standalone financial planning, discretionary investment management, and occasional educational seminars or speaking engagements. Services are tailored to each client’s circumstances and may address retirement income, tax‑sensitive planning, cash‑flow and budgeting, real estate considerations, and business‑owner issues.
The firm manages portfolios on a discretionary, fiduciary basis using diversified, factor‑informed strategies implemented primarily with ETFs and mutual funds and applies a time‑segmentation (“bucket”) approach to align assets with short‑, mid‑, and long‑term cash needs. Portfolios are monitored and rebalanced as needed, and the adviser provides guidance on held‑away assets and integrates real estate planning into the financial planning process without assuming ongoing management of those outside holdings unless agreed.
Cornerstone is notable for using flat advisory fees rather than the more common percentage‑of‑AUM fee model and for offering public educational seminars and workshops in addition to one‑on‑one client work. The firm is a small, owner‑operated practice led by an adviser with CFP and ChFC credentials and nontraditional professional experience (military service and clinical healthcare), which the firm indicates shapes its engagement style and planning focus.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Fixed annual fees for various services (e.g., $8,000 for standalone ongoing financial planning)
$0 - $1,000,000 (approximate investable net worth for standalone planning): Not applicable (flat fees) $200,000 - $500,000: Investment Management Services: $5,000 annually $500,000+: Clients with $500,000 or more transitioned to Wealth Management Services None - None: Wealth Building tier: $8,000 annually None - None: Legacy Stewardship tier: $12,000 annually >$5 million (for complex cases)+: Custom proposal up to $20,000 annually
Account minimum: $200,000 Minimum fee: Annual fees up to $20,000 per year depending on service tier and client complexity Fee-only: Flat annual fees ranging from $5,000 to up to $20,000 based on service tier and complexity
Main office
Colorado Springs CO
Advisors at this office
1
Most active in
California · Colorado · Texas
Also doing business as
Cornerstone Financial Planning · Cornerstone Financial Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)