Stone Financial

Stone Financial is an independent, single-advisor registered investment adviser serving individual investors as well as corporate and other business clients, providing discretionary and non‑discretionary portfolio management, financial planning, and advisory consulting. The firm also assists clients in selecting third‑party money managers and commonly implements proprietary model portfolios, with primary recommendations focused on mutual funds and ETFs while remaining open to other security types.

The firm customizes portfolios based on each client’s goals, time horizon, and risk tolerance, monitors accounts on an ongoing basis with at least annual reviews, and may employ both long‑ and short‑term strategies or hire third‑party managers where appropriate. It uses institutional custody and trading relationships for execution and reporting and discloses typical percentage‑of‑assets fee billing for its advisory services.

A distinctive feature is the firm’s affiliation, by common ownership, with an accounting and tax firm; the owner is also a certified public accountant and the adviser may recommend the affiliate’s accounting and tax services, a relationship disclosed as a potential conflict of interest. The firm also notes that its representatives are licensed insurance agents who may receive commission compensation for insurance product sales and that it may receive compensation for referrals to third‑party money managers, with clients under no obligation to use recommended affiliates.