Assisting individuals & families from all walks of life who are seeking unbiased advice and answers to their financial questions.
Running your business is a time-consuming, stressful job. Allow us to provide guidance with the other financial areas in your life.
Whatever your need -- a retirement plan or a specialized investment account -- we'll be there to assist your company.
Why should I consider using a Fee-Only, Registered Investment Advisor?
Fee-Only Registered Investment Advisors have a fiduciary responsibility to choose investments that are in your best interest.
Cornerstone Wealth Management is a Fee-Only Registered Investment Advisor. This means that neither the advisors nor the firm receive any commissions for the sale of any product based on the investment recommendations we make to you. We don’t accept compensation from any brokerage firm, mutual fund company, or insurance company. We’re only paid by you, through your standard asset management fee. This approach allows us to show our clients that we represent only them with no conflicts of interest.
Simply put, we believe that the greater an advisor’s dependence on commission income, the greater the conflict. In the end, that conflict can cost you both in out-of-pocket expenses and in the quality of advice you receive.
What is the Fiduciary Standard?
Registered Investment Advisors like Cornerstone Wealth Management are bound to a fiduciary standard that was established as part of the Investment Advisors Act of 1940. They can be regulated by the SEC or state securities regulators, both of which hold advisors to a standard that requires them to act and to provide advice only in their client's best interests. This involves the advisors disclosing any conflicts of interest that may violate this standard and they owe their clients a duty of undivided loyalty and utmost good faith.
Who is TD Ameritrade Institutional?
TD Ameritrade Institutional is the custodian for Cornerstone Wealth Management. We act as the investment advisor in managing the assets in your account which are held (in custody) by TD Ameritrade Institutional on your behalf. The custodian’s role is to support the relationship between you and Cornerstone by providing research, trading functions, technology, and various other investment operations.
Will I have online access to my accounts?
Yes. You will be provided with a login and password to view your accounts online through TD Ameritrade Institutional Client Site.
You may access this site through the Cornerstone Wealth Management website by clicking Client Login at the top of the page or go to www.advisorclient.com.