Providence, RI Waterman Street Office

Cornerstone Investment Services, LLC provides investment supervisory services and investment consulting to individuals, high‑net‑worth individuals, and pension/profit‑sharing plans. The firm offers both discretionary and non‑discretionary portfolio management, prepares individualized Investment Policy Statements, and conducts ongoing account monitoring and reporting.

Cornerstone’s investment process combines fundamental, technical, charting and cyclical analysis and employs long‑ and short‑term trading, ETFs, and options‑writing strategies; it documents client risk tolerance in an IPS and monitors accounts against those guidelines. The firm explicitly monitors ETF daily resets, limits ETF use to one‑to‑one index‑tracking funds (avoiding leveraged “double” or “triple” ETFs), and operates model portfolios within its discretionary program.

Noteworthy features include that all CIS accounts are managed within a Cornerstone‑sponsored wrap fee program executed through Charles Schwab Advisor Services, which requires clients to enroll in Schwab Alliance and paperless document services. The firm’s representatives are also licensed insurance agents who may receive commission compensation for insurance sales, a relationship disclosed as a potential conflict and addressed in firm policies; Cornerstone manages about $62.5 million for roughly 78 clients with two advisors.