Cornerstone Capital Advisors is a fiduciary investment advisor, and as such, we start with your personal circumstances and select investment portfolios that will work best for you. What sets us apart from other financial planning firms is our investment practices and how we monitor and maintain all of our portfolios on a continuous basis.
Investment Due Diligence Process
Cornerstone Capital Advisors’ Investment Committee implements your investment portfolio using a rigorous 9 step due diligence process to ensure the investment options we select to implement your asset allocation plan are of the highest asset quality. We utilize the same due diligence procedures to routinely monitor these investment options to ensure that the asset quality remains high. We find that investment options that maintain a high level of asset quality tend to deliver results consistently in the top half of their peer group
Risk Management
The total amount of equity in your portfolio overall will determine your level of risk, and reward, in the long run. However, carefully planned combinations of various classes of stocks and bonds can dramatically lower your risk, even with the same level of exposure to the stock market. And, a few times in every market cycle, there are significant opportunities that we can identify that are very low in risk and very high in potential reward.
Valuation has always been the key to managing risk, and we continuously seek those classes of investments that have less risk potential and more reward potential. Because timing the stock market has never been a proven strategy, we instead use valuation as our strategy. Valuation is a process to determine the value of an asset. After we have determined their values, we reduce the allocation to areas we consider overvalued and increase the allocation to those that we consider undervalued or fairly valued. Over time, that is true risk control.
Tax Strategy
After-tax returns are what you can actually spend. Investing efficiently so that you pay the least amount of income taxes on your gains and income has been our specialty since we started our business in 1984.
Controlled Costs
Cornerstone Capital Advisors is an institutional investor, which provides us access to investment choices that are traditionally unavailable to retail investors. In many cases, these choices are lower in cost.
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