Money Management
You need a plan that allows you to sleep easy at night.
You want your wealth to work for you.
We know money matters.
As a Registered Investment Advisory firm (RIA), we have a legal obligation to put your interests first.
You work hard and want your wealth to be cared for. As a Registered Investment Advisory firm (RIA), our fiduciary duty and legal obligation is to put your interests first, which means you won’t run into hidden costs, expenses, or agendas. Our solutions are customized for your life, with all its moving parts in mind. By creating flexible, hand-crafted plans that are based upon your investment goals, risk tolerance, time horizon, tax profile, and income needs, we act as your board of directors, as well as your thinking partners.
We make investment decisions based on our own in-house research combined with leveraged information from many widely respected publications, money managers, and independent research companies. We often build portfolios with individual bonds and equities, Exchange Traded Funds (ETFs) and mutual funds, and are always focused on liquidity and keeping costs low. Our investment approach is to keep the big picture in mind while taking on short-range, actionable steps.
Hand crafted plans
We do our own in-house research and leverage many well known, respected money managers, and independent research companies.
Flexible planning
We focus on liquidity and keeping costs low. We don’t like to tie up your money when we know that life is frequently changing.
Principal led discussions
Think of us as your board of directors. We’re thinking partners for the big decisions in life. You’ll always work with a principal here.
What’s your return on life?
Is your money offering you the best life possible? Using the exclusive Return on Life™ index, you can recalibrate how you’re managing your wealth to give you the ultimate return. See where you stand. Then schedule a time to talk about it with us.
FAQs
What types of clients do you work with?
We have developed a specialty of empowering widows and women with their financial and money decisions. Our clients typically have lots of moving parts in their financial life.
Do you have a minimum requirement?
Our typical money management client has $2,000,000 or more in investable assets.
Do you meet with clients virtually?
Yes. We service clients throughout the nation by leveraging the power of technology for virtual meetings. Our clients find them very engaging and interactive. However, if you’re located in Massachusetts or the greater New England area, we can schedule a meeting at office—Cornerstone Cottage—in Kingston, MA. The Cornerstone Cottage is our unique office, check out a video tour of the space here.
What makes you different from a traditional firm?
Lots of people can manage your portfolio, but can they also help you create a “return on your life”? WH Cornerstone approaches financial advising differently. We serve as your financial coach to advise, implement, and continually manage all the moving parts in your life.
How do you get paid and what is the investment for this service?
We are fee for service, which means we are paid solely by our clients for the investment services we provide rather than a commission or transaction fee from a third party.
Our money management fees are based upon the assets under management and are charged monthly in arrears. We charge 1% of assets under management on the first $3,000,000 and have price breaks beyond that. (Note: If the total household account size is below $500,000 our fee is 1.5% of assets under management.)
How do you make your investment decisions?
We do our own in-house research and leverage many well-known, respected newsletters, money managers, and independent research companies. We often build portfolios with individual equities, Exchange Traded Funds (ETFs) and bond funds. We are always focused on liquidity and keeping costs low. That means we don’t like to tie up your money when we know that life is frequently changing. Our approach to investing is always to keep the big picture in mind while taking on short-range, actionable steps.
What do I need to prepare or bring with me to meet with you?
Before you meet with us, we typically have you fill out an online risk assessment. We’ll ask that you provide us with some personal and financial information. We will also provide you with our Future Advantage Questionnaire™ to help you prepare for the questions we will review together. You are welcome to bring your questions too. Our initial meetings are anything but ordinary. It’s a chance for us to get to know you, where you’ve been on your financial (and personal) journey and where you want to go.
I'm married. Does my spouse need to come to the meetings?
Yes. We like to meet with both spouses and have a relationship with both of you. Also, in order for you to have success in financial life planning we want to ensure that your goals, dreams and aspirations are aligned and that everyone is committed to the same future. As married business partners, we know first hand how important it is to have everyone on the same page.
