Media, PA W. Front St Office

Stone Pine Financial Partners serves primarily individuals who are near retirement or recently retired, along with select trusts and estates, providing comprehensive wealth management that combines portfolio management and financial planning. The firm conducts an initial planning process and ongoing advisory relationship focused on retirement projections, distribution strategies, and cash flow analysis.

The firm manages client portfolios on a discretionary basis using a strategic, passive-oriented allocation framework that emphasizes global diversification, low-cost ETFs (including funds from DFA and Vanguard), systematic rebalancing and opportunistic tax-loss harvesting. Stone Pine formalizes client priorities into a concise One Page Game Plan and maintains a regular meeting cadence (including dedicated Spring and Fall reviews) to monitor progress and adjust plans.

Distinctive features include a small, four-advisor team overseeing roughly 200 client relationships and over $250 million in managed assets, and a client intake process that charges a fixed planning fee for the initial engagement (which is waived if the client transitions to ongoing investment management). The firm recommends a single qualified custodian for account custody and execution, its representatives hold insurance licenses (but do not intend to sell insurance products through the firm), and the adviser does not vote client proxies, leaving voting authority with clients.