Cornerstone Investment Advisors, Inc.

Cornerstone Investment Advisors manages investment portfolios for individual investors, pension plans, and trusts on a discretionary basis, reporting approximately $62.7 million in client assets across 159 accounts as disclosed in the brochure. The firm has provided advisory services since November 1994 and tailors portfolio management to client needs, allowing clients to impose restrictions on specific securities or investment types.

The firm’s investment approach emphasizes asset allocation and implements that strategy primarily through low‑cost index exchange‑traded funds, with occasional use of individual equities and bonds. The brochure also discloses that the firm may allocate a small portion of client assets to digital assets using over‑the‑counter, non‑SEC‑registered securities, and it will omit those holdings for clients who are uncomfortable with them.

Distinctive operational features include a stated $500,000 minimum for new clients (with exceptions considered case‑by‑case) and a routine recommendation or requirement that clients use Charles Schwab for custody and trade execution. The firm aggregates trades through a master account and averages prices to mitigate personal trading conflicts, notes it does not accept performance‑based fees, and reports that it does not have custody of client funds.