Cornerstone Wealth Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$142,000,000
Clients
155
Advisors
4
across 2 offices
About
Cornerstone Wealth Advisors, Inc. serves individuals (including high‑net‑worth clients), trusts, estates, charitable organizations and retirement plans. The firm provides financial planning, discretionary investment management through model and custom portfolios, selection of third‑party managers, and ERISA plan services.
Investment management is delivered through a proprietary strategic asset‑allocation framework (Conservative to Aggressive) and client‑specific custom portfolios composed of separately managed accounts, mutual funds, ETFs, equities and fixed income; the firm typically manages accounts on a discretionary basis and may recommend TPMs for portions of client assets. CWA applies fundamental and cyclical analysis, conducts routine due diligence on TPMs, and reviews accounts at least annually or upon material client or market events.
Notable distinctions include the firm’s explicit ERISA 3(21) and 3(38) plan services for qualified and non‑qualified retirement plans (e.g., 401(k) and 403(b)), a capability that is less common among peers in this team category and positions the firm to work with plan sponsors. The brochure also discloses that several wealth advisors are licensed insurance agents (one advisor reports spending no more than ten percent of his time on insurance sales) and that the firm’s principal operates related bookkeeping and CFO businesses (approximately half of her time); these arrangements and potential conflicts are disclosed and subject to the firm’s conflict‑of‑interest procedures.
Client services
Expertise
Occupation focus
Fee options
Financial Planning Services flat fee up to $10,000
$0 - $250,000: 1.50% annually $250,000.01 - $500,000: 1.40% annually $500,000.01 - $750,000: 1.30% annually $750,000.01 - $1,000,000: 1.20% annually $1,000,000.01+: Negotiable Rate
Wealth advisors may receive commissions on insurance products sold to clients
Financial Planning Services charged at $250 per hour
Account minimum: $25,000 for Model Portfolio Program; $1,000,000 for Custom Portfolio Program (both may be waived at firm's discretion) Fee-only: Financial Planning Services charged hourly or fixed fee
Main office
See office1808 Aston Avenue, Suite 150
Carlsbad CA 92008
Advisors at this office
3
Offices (2)
Most active in
California · South Carolina · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Quick links
Advisors at this firm
Lucinda S
CFP®, ChFC®, Series 63, Series 65
Aiken, SC
Cornerstone Wealth Advisors, Inc.
Lucinda Salinas is a CFP® and ChFC® with 35 years of industry experience, currently serving at Cornerstone Wealth Advisors, Inc. since 2017. Her prior experience includes six years at Merrill Lynch and work as an independent insurance agent. She is an officer of the Women Business Institute, a nonprofit focused on fundraising to support education programs for women business professionals. Cornerstone Wealth Advisors provides financial planning, discretionary investment management, and ERISA retirement-plan services to individuals, trusts, estates, charitable organizations, and government clients. The firm manages approximately $143 million, offering portfolio management through proprietary models and custom portfolios with an emphasis on fundamental investment analysis and client-specific asset allocation.
Denise B
Series 65
Carlsbad, CA
Cornerstone Wealth Advisors, Inc.
Denise Barrett is a financial advisor with Cornerstone Wealth Advisors, Inc. in Carlsbad, CA, holding a Series 65 designation and bringing 12 years of industry experience. She is also the founder and president of Barrett Solutions Inc., a bookkeeping and payroll services business. Additionally, Barrett serves as owner and CEO of Cornerstone Family Office, Inc., a family business management firm. Cornerstone Wealth Advisors, Inc. serves individuals, trusts, estates, charitable organizations, and retirement plans, providing financial planning and discretionary investment management through a proprietary strategic asset-allocation framework. The firm also offers specialized ERISA plan services and employs fundamental and cyclical analysis with routine due diligence on third-party managers.
Michael S
CFP®, Series 66
Carlsbad, CA
Cornerstone Wealth Advisors, Inc.
Michael Sellman is a CFP® professional with 18 years of experience, currently serving as an advisor at Cornerstone Wealth Advisors, Inc. in Carlsbad, CA. He has worked at Cornerstone Wealth Advisors since 2010 and has also been an independent insurance agent since 2015. Cornerstone Wealth Advisors provides financial planning, discretionary investment management, and ERISA retirement-plan services to a range of clients, including individuals, trusts, estates, charitable organizations, and governmental entities. The firm manages approximately $143 million and offers both proprietary and custom portfolios, emphasizing fundamental investment analysis and client-specific asset allocation.
Cameron Z
Series 65
Carlsbad, CA
Cornerstone Wealth Advisors, Inc.
Cameron Ziegler is a financial advisor at Cornerstone Wealth Advisors, Inc. in Carlsbad, CA, holding a Series 65 credential with seven years of industry experience. He co-founded Outback Bones, an online pet retailer, and owns CJZ LLC, a supply chain consulting business. Cornerstone Wealth Advisors provides financial planning, discretionary investment management, and ERISA retirement-plan services to individuals, trusts, estates, charitable organizations, and government clients. The firm manages approximately $143 million for about 150 clients, using both proprietary model portfolios and custom investment solutions with a focus on fundamental analysis and client-specific asset allocation.
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