Cornerstone Wealth Planning

Cornerstone Wealth Planning

Founded in 2013 and based in Charlotte, North Carolina, Cornerstone Wealth Planning registered as an investment adviser to deliver integrated wealth management to a local client base of individuals, high-net-worth families, and small business owners. The firm structures its services as a flat-fee or AUM-based RIA, avoiding the brokerage and proprietary-product conflicts common among bank-affiliated competitors. The firm's stated capabilities span investment advisory services, portfolio management, financial planning, and tax planning. This bundling of investment and tax counsel under one roof distinguishes the practice from pure asset gatherers. While specific portfolio holdings and strategies are not publicly disclosed, the firm's typical mix for this RIA category includes individual equities, fixed income, and low-cost ETF sleeves, with allocations shaped by a client's tax profile and distribution timeline. The geographic focus remains concentrated in the North Carolina Piedmont region. Cornerstone's scale reflects a boutique practice. The firm serves individuals, high-net-worth individuals, and small business owners without publicizing headcount or aggregate assets. For a Charlotte-based RIA founded without a large institutional anchor family, this points to a sub-$300 million AUM footprint — a book built through referrals and professional networks rather than enterprise sales. Structurally, Cornerstone operates as an independent fiduciary rather than a hybrid broker-dealer. The lack of a parent bank or insurance company removes a common layer of product-push incentives. This regulatory posture — pure RIA, pure fiduciary — means the firm's advice chain runs from client to adviser to custodian, with no intermediary collecting 12b-1 fees or trading spreads.