Shady Cove, OR Office

Cornerstone Securities LLC provides investment advisory services to individuals, trusts, estates, private corporations, and pension plans through a team of IARs. Services described in the brochure include IAR‑directed asset management for accounts custodied at Charles Schwab, selection of third‑party advisory programs and REITs, and financial planning or consulting engagements.

Investment decisions are generally made at the IAR level: individual IARs develop portfolio strategies, may exercise limited discretionary authority over security selection and rebalancing, and may use third‑party managers to implement model portfolios. The firm reports approximately $210 million in discretionary assets under management and conducts at least annual client reviews, while allowing clients to impose written investment restrictions and to select third‑party custodians or managers.

What is notable in Cornerstone’s disclosures is that several IARs are dually registered as broker‑dealer representatives and some sell insurance products (life insurance, annuities, long‑term care) for which they receive commissions outside the adviser role; Cornerstone states it does not receive that insurance compensation and discloses steps to mitigate conflicts (including explaining dual compensation and prohibiting double charging). The firm also operates referral/solicitor arrangements with unaffiliated third‑party advisory firms and does not sponsor proprietary products, which shapes how client solutions are selected and implemented compared with many peer teams.