Cornerstone Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cornerstone Financial Planning provides personalized, fee-only financial planning and advisory services to individuals, trusts, estates, and small businesses, addressing retirement, tax, cash‑flow, insurance, investment, education funding, and estate planning. The firm does not sell financial products or accept commissions; it delivers recommendations and counseling while clients retain custody and control of their assets.
The firm’s advice is grounded in Modern Portfolio Theory and efficient‑market principles, favoring diversified, low‑cost index funds and ETFs with periodic rebalancing, and it presents recommendations in written plans and client-specific Statements of Understanding. Engagements are structured as fixed‑fee arrangements that deliver ongoing access to the adviser and tailored reviews rather than performance‑based compensation.
What is noteworthy about the firm compared with many peers is its emphasis on fixed, fee‑only financial planning rather than commission or performance fees, and its practice of having clients engage other professionals (attorneys, accountants, insurance agents) directly without accepting referral fees. The firm is a small, sole‑advisor practice that does not act as custodian, does not advise private funds, and maintains documented continuity, privacy, and supervisory procedures.
Client services
Expertise
Fee options
Fixed fees quoted for financial planning services based on complexity; initial $300 fixed fee for first two meetings; segmented financial planning fees up to $500
Minimum fee: Fixed non-refundable fee of $300 for first two face-to-face meetings Fee-only: Financial planning fees based on fixed fee for scope of work, priced at $100 per hour as a guideline but quoted as fixed fees; segmented fees up to $500 for limited engagements
Main office
Gaithersburg MD
Advisors at this office
1
Most active in
Maryland
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:
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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.
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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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