About Cornerstone
Introduction
Cornerstone Advisors
was founded almost 35 years ago for the purpose of helping entrepreneurs and families
with exceptional wealth navigate the unique and complex issues encountered in making
financial decisions regarding their assets. Over time, our client base expanded
to include caring institutions and larger enterprises that require sophisticated
investment advice and planning combined with the type of service and attention demanded
in a family office environment. Our organizational roots make us uniquely qualified
to provide guidance and leadership to dynamic organizations with an entrepreneurial
management style.
Our corporate mission is to grow, protect, and preserve
our clients’ assets. We work almost exclusively for clients that
have a fiduciary responsibility to the assets under their care with a “serve first”
philosophy that allows our clients to be good stewards of their financial capital.
Our service model has been developed over 30 years and is designed to transcend
the traditional consulting role, replacing it with a client advocacy model whereby
Cornerstone acts as a co-fiduciary alongside the client.
Cornerstone Companies (the Companies)
is composed of entities that provide a range of asset management, compensation and
benefits consulting, and business and estate planning services. With over 30 employees
located in offices in Allentown and Bethlehem, Pennsylvania, Cornerstone Companies
manages approximately $3 billion in financial assets for institutional clients,
ultra wealthy families and private clients. In January 2006, the Companies became
wholly owned subsidiaries of Harleysville National Bank and Trust Company. The following
are descriptions of the entities comprising the Cornerstone Companies.
Cornerstone Financial Consultants, Ltd. (CFC)
dba Cornerstone Advisors
Cornerstone Advisors provides business development, succession and estate planning
predominantly for privately held businesses and their owners having a net worth
in excess of $10 million. The firm assists in executing the efficient transfer of
assets of business owners to future generations through the development and implementation
of individually designed strategies based on client needs. Insurance planning is
utilized as a tool to fund business succession, estate tax, and/or charitable legacy
liabilities anticipated after the development of these plans.
Our fee-based consulting services include mergers and acquisitions, management training,
organizational development, compensation planning and corporate financing. Cornerstone
Advisors has the capability to perform valuations and other consulting work associated
with the business estate planning and business succession planning services mentioned
previously.
The firm is a Registered Investment Advisor with the Securities and Exchange Commission
(SEC) and a member of the M Financial Group (a national network of financial services
firms that work in conjunction to obtain insurance pricing advantages and proprietary
products).
Cornerstone Advisors Asset Management, Inc. (CAAM)
CAAM provides investment consulting and fiduciary services to people and
organizations responsible for managing assets on behalf of others. Our overall investment
objective is to provide superior risk-adjusted return relative to appropriate benchmarks.
CAAM’s clients include hospitals, foundations, endowments, ERISA plans, public entities,
corporations, religious organizations and very wealthy families. CAAM specializes
in the creation and management of open architecture investment platforms, risk assessment
and performance monitoring. The firm targets wealthy individuals and families (having
at least $5 million in liquid assets) as well as middle market institutions (having
at least $10 million in assets).
The following is a partial list of CAAM’s services:
Asset Allocation Modeling
Securities Analysis
Manager Search and Selection
Investment Policy Development
Performance Reporting
Performance Attribution
Asset/Liability Modeling
Portfolio Optimization
Trading and Execution
|
Portfolio Structure Analysis
Due Diligence
Risk Assessment
Quantitative Analysis
Cost Analysis
Liquidity Evaluation
Fiduciary Compliance Reviews
Alternative Investments
Litigation Support |
The firm is a Registered Investment Advisor with the SEC.
Cornerstone Institutional Investors, Inc. (CII)
CII provides a client-centered institutional planning process to individuals
with up to $5 million and organizations with up to $10 million in assets who have
historically been sold financial products through retail distribution systems. The
majority of CII’s clients are the executives, employees and extended family members
of our high net worth and institutional clients. CII’s mission is to help clients
clearly articulate their financial goals, centralize financial decision-making and
represent them in the marketplace so they can buy intelligently. CII also provides
an ongoing monitoring process to evaluate progress towards achieving client goals.
The firm is a Registered Investment Advisor with the SEC, a FINRA Member Firm and
a member of the Securities Investor Protection Corporation (SIPC).
Securities offered through
Cornerstone Institutional Investors, Inc.
Member FINRA/SIPC