Stone Pine Financial Partners

Stone Pine Financial Partners

Stone Pine Financial Partners was established in 2015 by Andrew Herron and Kevin Manning, who had each spent over a decade working with individual clients. Herron began advising some of his existing relationships as far back as 2003. The two structured the firm around a single demographic: households near or in retirement, specifically those with investable assets exceeding $1 million. The firm's deployment is entirely advisory rather than balance-sheet investing, focused on discretionary portfolio management for retirees. The asset-class mix includes equity and fixed-income allocations calibrated to produce sustainable distributions, paired with tax strategies that exploit low-income years early in retirement. Mandates routinely span Roth conversion analysis, required minimum distribution planning, and the sequencing of withdrawals across taxable, tax-deferred, and tax-free accounts. Stone Pine does not market direct co-investments, SPVs, or private fund commitments; its platform is built around public-market portfolios, Medicare enrollment guidance, and housing-cost analysis. Geographic coverage concentrates on the Philadelphia suburbs, particularly Delaware County, where the firm is based. The team numbers five professionals, all located in Media, Pennsylvania. In addition to the founding partners, Myriah Lipke joined in 2018 as a financial advisor, Skylar Crawford came aboard in 2022 and serves as director of operations and associate advisor, and Abby Schmid joined in 2025 as an associate advisor after prior experience at another local advisory firm. All five carry or are pursuing CFP® certification. The firm also operates an educational arm: Herron, Manning, and Lipke teach retirement planning courses at Main Line School Night and neighboring adult-education programs. As of early 2025, Stone Pine added Schmid, signaling steady capacity expansion rather than a pivot in model. Stone Pine's structural distinction lies in its concentration risk. The firm exclusively serves a single life-stage segment — pre-retirees and retirees — and does not pursue accumulation-phase households, institutions, or employer-sponsored retirement plans. That focus forces a discipline around withdrawal-rate modeling, Social Security claiming strategies, and sequence-of-returns risk that a generalist practice with a broader client base would not maintain. The founding partners have chosen not to build toward a multi-family office or alternatives platform, keeping the entity a pure retirement-income advisory.