Business Details
Trusted Financial Planning & Investment Management
At Cornerstone Financial Management, we are dedicated to providing personalized financial planning and investment management services that empower individuals, families, and organizations to achieve their long-term goals. Our team of certified professionals brings decades of combined experience in crafting tailored strategies that align with clients' unique values and life circumstances. As a fiduciary and fee-only firm, we prioritize client interests above all else, utilizing evidence-based methodologies grounded in academic research. We specialize in comprehensive financial planning, including cash flow management, retirement strategies, risk mitigation, and estate planning, while offering transparent, commission-free advice.Our commitment to integrating clients' personal values into investment decisions sets us apart, ensuring that financial success aligns with ethical and philanthropic priorities. With offices in Massachusetts and Rhode Island, we serve a diverse clientele ranging from individual investors to nonprofit institutions, delivering consistent, reliable guidance through both in-person and virtual consultations.
Services
Financial Planning
Investment Management
Tax Planning
Estate Planning
Risk Management
Charitable Giving Strategies
Portfolio Analysis
Retirement Planning
Highlights and features
- We are fiduciaries legally obligated to act in your best interest
- Our team holds elite industry certifications including CFP and CFA
- We implement evidence-based investment strategies grounded in academic research
- We integrate your personal values into customized investment portfolios
- We maintain complete transparency with our fee-only compensation structure
Associations and certifications
- CFP
- CFA
- CAIA
- CKA
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for clients' financial futures. We analyze cash flow, retirement goals, and risk management needs to develop actionable strategies. With expertise in estate planning and tax-efficient giving, we help clients achieve financial clarity and long-term security through personalized guidance.
Investment Management
We provide evidence-based investment management aligned with clients' risk tolerance and financial objectives. Our team constructs diversified portfolios using academic research while minimizing fees and optimizing returns. We specialize in creating Investment Policy Statements and offering performance reporting to ensure transparency and accountability in every investment decision.
Tax Planning
Our tax planning service coordinates with clients' accountants to minimize tax liabilities across multiple dimensions. We develop strategies for income tax optimization, charitable giving benefits, and estate tax reduction while ensuring compliance with regulatory requirements. Our approach focuses on long-term tax efficiency within the broader financial planning framework.
Estate Planning
We help clients create comprehensive estate plans that preserve wealth and values across generations. Our advisors coordinate with legal professionals to establish effective succession strategies, charitable giving vehicles, and intergenerational wealth transfer solutions that align with clients' personal and philanthropic objectives.
Charitable Giving Strategies
Our specialized charitable giving service maximizes tax benefits while aligning with clients' philanthropic values. We develop strategies for tax-efficient donations, donor-advised funds, and charitable trusts that create lasting community impact while optimizing clients' financial positions.
People
Ted Yoos
Senior Wealth Manager
Ted Yoos is a Certified Financial Planner and Chartered Kingdom Advisor with extensive experience in wealth management. He specializes in helping clients align financial decisions with personal values through comprehensive financial planning and investment strategies.
George Newfield
Partner, Wealth Manager
George Newfield holds multiple prestigious certifications including Chartered Financial Analyst and Certified Kingdom Advisor. With decades of experience, he focuses on creating evidence-based investment strategies that integrate clients' ethical considerations and long-term financial goals.
Kevin Arruda
Partner, Wealth Manager
Kevin Arruda combines his CFA and CFP credentials to deliver comprehensive wealth management solutions. He specializes in developing tax-efficient strategies and investment portfolios that reflect clients' values while maintaining rigorous academic research standards.
Questions
What makes Cornerstone Financial Management different from other advisors?
We are fiduciaries with multiple elite certifications who integrate evidence-based investing with values-aligned strategies. Our fee-only structure ensures complete transparency and client-focused advice.
Do you work with clients outside Massachusetts and Rhode Island?
While our offices are in Massachusetts and Rhode Island, we provide virtual consultations to clients across the United States through secure digital platforms.
What investment approach do you use?
We employ evidence-based investing grounded in academic research, focusing on minimizing fees and risks while optimizing returns through diversified, tax-efficient portfolios.
How do you handle tax planning?
We coordinate with your existing tax professionals to develop comprehensive strategies that minimize tax liabilities across income, estate, and charitable giving while maintaining compliance.
What services do you offer for nonprofit organizations?
We help nonprofit boards create Investment Policy Statements and develop values-aligned investment strategies for endowments and foundations while maintaining fiduciary responsibility.
How can I access my account information?
Clients use our secure Black Diamond portal for real-time access to account balances, portfolio allocations, performance reports, and document storage through desktop or mobile devices.
