# Cornerstone Wealth Advisors

> Independent fiduciary wealth management for families with serious money to plan around. CFP® and CFA team, 24 years on the table, $480M+ under care. Greenwich, the Tri-State, and clients who relocated and stayed with us.

## Services
- **Comprehensive Financial Planning** — Goals-based plans built around your actual life — retirement, education, real estate, philanthropy, business succession. Annual plan refresh with what’s changed, what’s on track, a
- **Investment Management & Portfolio Design** — Custom portfolio construction across taxable, retirement, and trust accounts using a mix of low-cost index funds, factor-tilted ETFs, individual bonds, and selective alternatives. 
- **Retirement & Estate Planning** — Withdrawal sequencing across taxable, tax-deferred, and Roth accounts. Roth conversion strategies in low-income gap years. Estate-tax mitigation through trusts, gifting strategies,
- **Tax-Aware Strategies for Business Owners** — Cash-balance and defined-benefit plans, QSBS planning for tech and biotech founders, qualified opportunity zones, and exit-planning around 1202, 1031, and installment sale structur

## Frequently asked questions
### What’s the minimum to work with you?
Our typical client relationship has $1.5M+ in investable assets, but we make exceptions for families who are early in wealth accumulation but on a clear trajectory (younger executives, equity-compensated tech employees, business owners pre-exit). We’re honest at consult about whether the fit makes sense for both sides.

### How are you compensated?
Fee-only — a percentage of assets under management, tiered down at scale. Typical client pays 0.65–0.95% blended. No commissions, no product sales, no AUM kickbacks from fund families. Financial planning fees are bundled into the AUM relationship; standalone planning is available at a flat fee.

### What about taxes? Do you do my return?
We don’t prepare returns ourselves, but we work hand-in-hand with your CPA (or recommend one we know well). Investment decisions, Roth conversions, charitable strategies, and capital-gain timing are coordinated with your CPA before they happen — not reported on after.

### What happens if my advisor leaves the firm?
Our senior advisor team has been intact since 2014 — turnover is very low. If a senior advisor does retire or leave, we transition you in advance with overlap meetings to your new lead, with all account history, planning notes, and family preferences preserved. The relationship doesn’t restart.

### What does the discovery conversation involve?
Free 60-minute conversation, in-office or video. We learn about your family, your goals, what’s working and what isn’t with your current setup. You learn how we work, our credentials, and our fee. No proposal at the first meeting — that comes after we’ve seen actual statements and tax returns.

## Contact
- Phone: +12035550186
- Email: advisors@cornerstonewealth.example
- Address: 75 Holly Hill Lane, Suite 200, Greenwich, CT, 06830
- Service area: Fairfield County · Westchester County NY · Greater NYC Tri-State
- Website: https://www.fastdigitalmarketing.com/examples/financial-advisors

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