• 401(k)

  A retirement account established by an employer where the participant directs the investments; Cornerstone established its independent financial planning service to provide professional investment advice from Chartered Financial Analyst (CFA) for the mutual funds and other investments offered through the 401k plan.

  403b – If your employer is a non-profit company, you can save for retirement through a 403b account where each participant selects the investment options; Cornerstone provides its independent financial planning service to provide professional investment advice from Chartered Financial Analyst (CFA) for the mutual funds and other investments offered through the 401k plan.

• 529 Plan

  
  529 accounts are used to assist in providing for a college education; however, most of the time this service is not provided through an independent financial advisor or financial adviser and you may be sold a product with high commissions and poor performance.  Cornerstone offers investment advice from Chartered Financial Analyst (CFA) who do not represent a product, only your needs.

• Advice

  
  When seeking a financial planning service, it is prudent to find a Chartered Financial Analyst (CFA) to offer independent investment management or hourly fee only financial planning.

• Adviser

  
  Cornerstone is an independent adviser to clients who need investment management, hourly investment advice, hourly fee only financial planning or financial planning service; because we are Chartered Financial Analyst (CFA), we can provide independent investment advice on stocks, bonds, mutual funds and exchange traded funds (ETF).

• Advisers

  
  Cornerstone Investment Management and Consulting are independent advisers to clients who need investment management, hourly investment advice, hourly fee only financial planning or financial planning service; because we are Chartered Financial Analyst (CFA), we can provide independent investment advice on stocks, bonds, mutual funds and exchange traded funds (ETF).

• Advisor

  
  Cornerstone is an independent advisor to clients who need investment management, hourly investment advice, hourly fee only financial planning or financial planning service; because we are Chartered Financial Analyst (CFA), we can provide independent investment advice on stocks, bonds, mutual funds and exchange traded funds (ETF).

• Advisors

  
  Cornerstone Investment Management and Consulting are independent advisors to clients who need investment management, hourly investment advice, hourly fee only financial planning or financial planning service; because we are Chartered Financial Analyst (CFA), we can provide independent investment advice on stocks, bonds, mutual funds and exchange traded funds (ETF).

• Alabama

  
  Cornerstone is located on the Eastern Shore of Mobile Bay in Daphne, Alabama (AL), but we have clients all over the country who use our investment management and hourly investment consulting services.

• As Needed

  
  Often, investors do not need investment management on an on-going basis, but rather, they need an hourly financial planning service or investment consulting to help with specific projects on an as needed basis.

• Bonds

  
  If you as an investor need income, you are best suited to use bonds (or mutual funds of bonds) issued as debt by a company seeking to raise capital in the market.

• CFA

  
  The Chartered Financial Analyst (CFA) designation is the most prestigious in the investment management industry; the CFA indicates proficiency in investment management and portfolio management, stock valuation, bond valuation and performance measurement; often, a CFA can provide independent and unbiased advice as you attempt to plan for retirement or seek investment services.

• Chartered Financial Analyst

  
  The Chartered Financial Analyst (CFA) designation is the most prestigious in the investment management industry; the CFA indicates proficiency in investment management and portfolio management, stock valuation, bond valuation and performance measurement; often, a CFA can provide independent and unbiased advice as you attempt to plan for retirement or seek investment services.

• Consultant

  
  The investment management professionals at Cornerstone provide investment consulting to serve you on as needed, offering independent investment advice and unbiased hourly financial planning.  Examples of this service include: 401k advice, 403b advice, 529 plan review, individual stock or bond review, mutual fund analysis, financial planning service, and IRA or retirement plan review.

• Consulting

  
  The investment consulting service from Cornerstone Investment Management & Consulting provides independent investment advice and unbiased financial planning on an hourly basis from Chartered Financial Analyst (CFA) with years of experience in the investment management industry.

• Cornerstone

  
  Cornerstone Investment Management and Consulting offers clients performance driven investment management on a fee only basis as well as hourly financial planning service (or investment consulting) independent of any product.

• Cornerstone Investment Management and Consulting

  
  Cornerstone offers clients performance driven investment management on a fee only basis as well as hourly financial planning service (or investment consulting) independent of any product.

• Coverdell

  
  A Coverdell IRA is a way to save for college; unlike a 529 plan, though, this account is an educational IRA allowing the participant to invest in mutual funds, stocks or bonds.  However, most of the time this service is not provided through an independent financial advisor or financial adviser but, rather, a broker paid to sell a product.  Cornerstone offers investment advice from Chartered Financial Analyst (CFA) who do not represent a product, only your needs.

• Daphne

  
  Cornerstone is located on the Eastern Shore of Mobile Bay in Daphne, Alabama (AL), but we have clients all over the country who use our investment management and hourly investment consulting services.

• ETF

  
  Exchange traded funds (ETF) have revolutionized investment advice; each of these funds is an index for a sector within the market, allowing an investor to select just that area they believe will provide the best performance over time.  Also, these funds are priced like stocks (throughout the day) rather than mutual funds (which are priced at the end of the day).

• Exchange Traded Fund

  
  Exchange traded funds (ETF) have revolutionized investment advice; each of these funds is an index for a sector within the market, allowing an investor to select just that area they believe will provide the best performance over time.  Also, these funds are priced like stocks (throughout the day) rather than mutual funds (which are priced at the end of the day).

• Fee Based

  
  An independent investment adviser or independent investment advisor should be fee based, meaning they receive compensation from the performance of the client account rather than from selling the client a stock, bond or mutual fund and receiving a commission from that product; Cornerstone serves as a fee based investment management firm, offering independent and unbiased advice.

• Fee Only

  
  An independent investment adviser or independent investment advisor should be fee only, meaning they receive compensation from the performance of the client account rather than from selling the client a stock, bond or mutual fund and receiving a commission from that product; Cornerstone serves as a fee only investment management firm, offering independent and unbiased advice.

• Financial

  
  Cornerstone Investment Management & Consulting can serve as an advisor or adviser for all your financial needs, from investment management to our hourly financial planning service which provides clients independent investment consulting on an as needed basis.

• Financial Advisor

  
  Your financial advisor should provide you unbiased advice on stocks, bonds, mutual funds, savings, retirement and other financial matters; if your financial advisor is guiding the investment management of your account, you should make sure that they are a Chartered Financial Analyst (CFA), the highest professional designation in the investment management industry.

• Financial Consultant

  
  Your financial consultant should provide you unbiased advice on stocks, bonds, mutual funds, savings, retirement and other financial matters; if your financial advisor is guiding the investment management of your account, you should make sure that they are a Chartered Financial Analyst (CFA), the highest professional designation in the investment management industry.

• Financial Planning

  
  Cornerstone provides its clients hourly financial planning on an as needed basis.  Most investment advisors, financial advisers or financial advisors are paid by commission for a product they sell you.  We established our hourly investment consulting service offering independent advice based upon your needs rather than selling you an investment product.

• Financial Planning Service

  
  Cornerstone Investment Management & Consulting provides its clients an hourly financial planning service on an as needed basis.  Most investment advisors, financial advisers or financial advisors are paid by commission for a product they sell you.  We established our hourly investment consulting service offering independent advice based upon your needs rather than selling you an investment product.

• Fund

  
  At Cornerstone, there are two types of funds we use in investment management accounts or recommend to clients using our hourly investment consulting service – exchange traded funds (ETF) and traditional mutual funds.  Both of these can be effective ways to seek better performance and diversification, but the client should always consider all the costs before investing.  Remember, most financial advice is not independent!

• Funds

  
  At Cornerstone, there are two types of funds we use in investment management accounts or recommend to clients using our hourly investment consulting service – exchange traded funds (ETF) and traditional mutual funds.  Both of these can be effective ways to seek better performance and diversification, but the client should always consider all the costs before investing.  Remember, most financial advice is not independent!

• Hourly

  
  Because many clients needing financial advice do not need full-time investment management, Cornerstone provides financial advice on an as needed, or hourly, basis.  We offer independent and unbiased advice and review of your account, 401k or 403b plans because we are compensated by our clients rather than by commission for selling them an investment product.

• Hourly Fee Only Financial Planning

  
  Cornerstone offers its clients investment consulting on an as needed basis because not all clients need full-time investment management; because we are fee only advisors or fee only advisers, we are independent and working in your best interest alone.  Some examples of hourly fee only financial planning are: 401k advice, 403b advice, 529 plan review, individual stock or bond review, mutual fund analysis, financial planning service and IRA or retirement plan review.

• Hourly Financial Planning Service

  
  Cornerstone offers its clients investment consulting on an as needed basis because not all clients need full-time investment management; because we are fee only advisors or fee only advisers, we are independent and working in your best interest alone.  Examples of our hourly financial planning service are: 401k advice, 403b advice, 529 plan review, individual stock or bond review, mutual fund analysis, financial planning service and IRA or retirement plan review.

• IRA

  
  Individual retirement accounts are one of the most effective ways to save for retirement; these accounts can be invested in stocks, bonds, mutual funds or exchange traded funds (ETF).  Cornerstone Investment Management & Consulting can help you plan for retirement by providing unbiased investment advice for your retirement account whether it’s an IRA, a rollover IRA, a 401k plan or a 403b plan.

• Income

  
  Some of our investment management clients require income from their accounts, and we often use individual bonds, bond mutual funds or dividend-paying stocks to provide this income.

• Independent

  
  Unbiased financial advice is difficult to find because most financial consultants, financial advisors, and financial advisers are paid by commission to sell you a product; Cornerstone offers clients independent investment management and hourly investment consulting (financial planning service) because we are Chartered Financial Analyst (CFA) paid only by a client and never by a product.

• Index

  
  Recently, there has been a lot of interest in using stock market index mutual funds to achieve better performance than active investment management; Cornerstone Investment Management & Consulting uses exchange traded funds (ETF) as an index for both investment management accounts and in creating recommendations for our hourly investment consulting clients.

• Investment

  
  At Cornerstone, we believe one of the most important investments you can make is the time to select the right financial adviser or financial advisor.  There are many who call themselves financial advisers, financial advisors, financial consultants, investment consultant, and personal financial planners who are merely salespeople and are not qualified to offer investment advice.  We are Chartered Financial Analysts (CFA), the highest designation in the investment management industry, and we provide clients fee only independent investment management advice or unbiased hourly financial planning service.

• Investment Advice

  
  When you’re seeking investment advice, look for the Chartered Financial Analyst (CFA) designation, the highest in the investment management industry; you should also seek a provider who offers independent, unbiased financial advice and is not paid by commission because there are many who call themselves financial advisers, financial advisors, financial consultants, investment consultants, and personal financial planners who are merely salespeople and not qualified to offer investment advice.

• Investment Adviser

  
  When you’re seeking an investment adviser, look for the Chartered Financial Analyst (CFA) designation, the highest in the investment management industry; you should also seek a provider who offers independent, unbiased financial advice and is not paid by commission because there are many who call themselves financial advisers, financial advisors, financial consultants, investment consultants, and personal financial planners who are merely salespeople and not qualified to offer investment advice.

• Investment Advisor

  
  When you’re seeking an investment advisor, look for the Chartered Financial Analyst (CFA) designation, the highest in the investment management industry; you should also seek a provider who offers independent, unbiased financial advice and is not paid by commission because there are many who call themselves financial advisers, financial advisors, financial consultants, investment consultants, and personal financial planners who are merely salespeople and not qualified to offer investment advice.

• Investment Consultant

  
  When you’re seeking an investment consultant, look for the Chartered Financial Analyst (CFA) designation, the highest in the investment management industry; you should also seek a provider who offers independent, unbiased financial advice and is not paid by commission because there are many who call themselves financial advisers, financial advisors, financial consultants, investment consultants, and personal financial planners who are merely salespeople and not qualified to offer investment advice.

• Investment Consulting

  
  Cornerstone provides its clients a choice between investment management and investment consulting, our hourly financial planning service designed to offer as needed independent financial advice including the following: 401k advice, 403b advice, retirement planning, IRA review, stock evaluation, bond evaluation, mutual fund analysis and other investment advice.

• Investment Management

  
  Cornerstone provides its clients a choice between investment consulting and investment management, which is fee only (or fee based) portfolio management using stocks, bonds, occasional mutual funds and exchange traded funds (ETF) to seek account performance appropriate for each client’s risk tolerance.

• Management

  
  Our investment management service at Cornerstone is aimed at providing you the best performance possible for your risk level; investment management accounts will consist of some combination of stocks, bonds and exchange traded funds (ETF) with the occasional use of mutual funds.

• Market

  
  The stock market can be a confusing place, and investors can often be overwhelmed by all the advice from financial consultants; Cornerstone offers its clients independent investment advice and unbiased financial planning service.

• Mobile

  
  Cornerstone is located on the Eastern Shore of Mobile Bay in Daphne, Alabama (AL) within minutes of downtown Mobile, but we have clients all over the country who use our investment management and hourly investment consulting services.

• Mutual

  
  Mutual funds are used to provide diversification and investment management to smaller investors or sector investors; while there are some funds that have provided good performance, there are others that do not.  When considering an investment in a mutual fund, it is important the decision be made using independent and unbiased advisors or advisers (see also exchange traded funds (ETF)).

• Mutual Funds

  
  Mutual funds are used to provide diversification and investment management to smaller investors or sector investors; while there are some funds that have provided good performance, there are others that do not.  When considering an investment in a mutual fund, it is important the decision be made using independent and unbiased advisors or advisers (see also exchange traded funds (ETF)).

• Performance

  
  Long-term performance is one of the most important considerations for selection of an investment management firm or a mutual fund.  But, it is just as important to consider fees for such services – often, financial consultants are paid to sell you a product that may have had strong recent performance but is not poised for solid long-term results; on the other hand, a financial planner may charge you a fee to invest in mutual funds which then charge you another fee.

• Personal Financial Planning

  
  Cornerstone provides its clients hourly financial planning on an as needed basis.  Most investment advisors, financial advisers or financial advisors are paid by commission for a product they sell you.  We established our hourly investment consulting service offering independent advice based upon your needs rather than selling you an investment product.

• Plan

  
  Whether you need a retirement plan or a financial plan, Cornerstone will provide independent investment management or investment consulting to help you achieve your goals.

• Planner

  
  There are many terms for a financial planner – financial advisor, financial consultant and investment advisor – but, the most important considerations in choosing someone to assist with your investment management are how they are compensated (and what their total fee will be), their educational and professional background, and the long-term performance of their investments.

• Planners

  
  There are many terms for a financial planner – financial advisor, financial consultant and investment advisor – but, the most important considerations in choosing someone to assist with your investment management are how they are compensated (and what their total fee will be), their educational and professional background, and the long-term performance of their investments.

• Planning

  
  If you are planning for retirement, you should consider Cornerstone Investment Management & Consulting independent investment management or financial planning service; we can help you create an investment portfolio that meets your financial needs, and we are Chartered Financial Analyst (CFA) serving as unbiased investment advisors.

• RIA

  
  An investment advisor who has discretion over your assets must be registered with either a state or the SEC; in order to distinguish between financial advisors, financial advisers, investment consultants, financial consultants and investment management firms, ask to see the firm’s performance and review the firm’s ADV for information on the background and education of those making the financial decisions.

• Registered Investment Advisor

  
  An investment advisor who has discretion over your assets must be registered with either a state or the SEC; in order to distinguish between financial advisors, financial advisers, investment consultants, financial consultants and investment management firms, ask to see the firm’s performance and review the firm’s ADV for information on the background and education of those making the financial decisions.

• Retirement

  
  A comfortable retirement is a goal for most of us, and we can help you get there with independent investment advice; whether you need our investment management service or someone to provide unbiased financial planning service, the members of Cornerstone Investment Management & Consulting are Chartered Financial Analyst (CFA) with two decades of investment experience in the market.

• Retirement Plan

  
  Whether you need a retirement plan or a financial plan, Cornerstone will provide independent investment management or investment consulting to help you achieve your goals.

• Roth

  
  The Roth IRA is a great start to a retirement plan, and Cornerstone can assist you with an investment strategy for this account.  Because we are a fee only investment firm offering investment management and hourly financial advice (or hourly financial consulting), we provide unbiased financial advice.

• Savings

  
  It is important to invest your savings properly, and Cornerstone Investment Management & Consulting can assist you with decisions about your 401k plan, 403b plan, college savings such as 529 plans or Coverdell IRA, and other retirement accounts.  We offer investment recommendations for stocks, bonds, mutual funds and exchange traded funds (ETF) and because we are fee only, we are unbiased and independent… providing advice that is in your best interest alone.

• Service

  
  At Cornerstone we offer several types of investment service – hourly financial advice, hourly fee only financial planning, investment management, financial planning service and investment consulting; because we are fee only, we are unbiased and independent… providing advice that is in your best interest alone.

• Stock

  
  Cornerstone uses stocks in its fee based investment management accounts and provides individual evaluations of stocks for our hourly financial advice (financial planning service) clients.

• Unbiased

  
  Unbiased financial advice is difficult to find because most financial consultants, financial advisors, and financial advisers are paid by commission to sell you a product; Cornerstone offers its clients independent investment management and hourly investment consulting (financial planning service) because we provide advice from Chartered Financial Analyst (CFA) who are registered investment advisors.