Cornerstone Financial Planning provides financial planning, portfolio management for individuals and small businesses, selecting other managers, divorce planning, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Cornerstone Financial Planning reports 247 clients. They include 167 high-net-worth individuals and 80 individual clients. Of its assets, 99.4% ($398M across 1,004 accounts) are managed with discretion; $2.41M across 21 accounts are not. It advised 58 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 32% | 8% |
| High-net-worth individuals | 68% | 92% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 80 | $32.7M | 8.2% | $409K |
| High-net-worth individuals | 167 | $368M | 91.8% | $2.2M |
| Total | 247 | $401M | 100% | $1.62M |
- Clients
- 80
- Regulatory AUM
- $32.7M
- AUM share
- 8.2%
- Avg. per client
- $409K
- Clients
- 167
- Regulatory AUM
- $368M
- AUM share
- 91.8%
- Avg. per client
- $2.2M
Total
- Clients
- 247
- Regulatory AUM
- $401M
- AUM share
- 100%
- Avg. per client
- $1.62M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 58
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Cornerstone Financial Planning charges 0.30%–1.00% a year for its Financial Planning and Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $7,500 annual minimum and requires an account of at least $750,000. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$4M | 0.60% |
| $4M and above | 0.30% |
Fee details and sources
Other fees
- Hourly Consulting Services
- Fixed fees range from $300 to $5,000, or an hourly fee of $300; no payment over $1,200 more than six months in advance.
Christina Traurig owns 50% to 75% of Cornerstone Financial Planning. The leadership team of Cornerstone Financial Planning includes Chief Compliance Officer Christina Traurig. It has 6 employees.
Leadership
- Christina TraurigChief Compliance Officer/Member/Principal
- Mackenzie ParsonsMember/Principal
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
- Barry Keck Betters II
- Derek Bonneau
- Sara Anne Casale
- Mackenzie Holly Theodora Parsons
- Danielle S Pensinger
- Christina Clara Traurig
- Jillian Elizabeth Wagner
Staff
- 6 employees
- 6 in advisory functions
- 6 state-registered reps
- Owns 50% to 75% of Cornerstone Financial Planning, LLC
Christina Traurig
Control person · since July 2022
- Owns 50% to 75% of Cornerstone Financial Planning, LLC
Mackenzie Parsons
Control person · since July 2022
Cornerstone Financial Planning’s regulatory assets grew 1.7× from $238M (May 2021) to $401M (September 2026); clients rose from 174 to 247 and employees from 5 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $401M | 247 | 6 | 2 |
| March 2025 | $336M | 233 | 7 | 2 |
| May 2024 | $306M | 225 | 7 | 2 |
| March 2023 | $254M | 217 | 7 | 3 |
| July 2022 | $267M | 198 | 8 | 3 |
| May 2021 | $238M | 174 | 5 | 3 |
Besides its headquarters, Cornerstone Financial Planning has 1 office, with 2 listed addresses in Maine and New Hampshire.
Maine · 1 listed address
- 38 Union Wharf, Portland
New Hampshire · 1 listed address
- 8 Greenleaf Woods DR., Suite 202, PortsmouthHQ
Contact and registration details
- Legal name
- Cornerstone Financial Planning, LLC
- Headquarters
- 8 Greenleaf Woods DR., Suite 202, Portsmouth, NH 03801
- Website
- cornerstoneplanning.com
- Phone
- 603-431-1133
- SEC file
- 801-107703
- Founded
- 2004
- Structure
- New Hampshire LLC
- Fiscal year end
- December
Cornerstone Financial Planning uses Fidelity ($394M) as custodian for its separately managed accounts. Cornerstone Financial Planning has custody of $149M in client assets for 98 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $394M100%
At year end, Cornerstone Financial Planning’s separately managed accounts were mostly in funds (89%).
What the accounts hold
- Stocks5%
- Funds89%
- Registered funds88%
- Pooled vehicles1%
- Bonds1%
- Cash5%
How many clients does Cornerstone Financial Planning have?
Cornerstone Financial Planning has 247 clients and manages $401 million for them, as of September 2026. They include 167 high-net-worth individuals and 80 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 21 September 2026
What services does Cornerstone Financial Planning offer?
Cornerstone Financial Planning provides financial planning, portfolio management for individuals and small businesses, selecting other managers, divorce planning, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Cornerstone Financial Planning charge?
Cornerstone Financial Planning charges 0.30%–1.00% a year for its Financial Planning and Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $7,500 annual minimum and requires an account of at least $750,000.
Which custodians does Cornerstone Financial Planning use?
Cornerstone Financial Planning’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $394M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 September 2026
How many financial advisors does Cornerstone Financial Planning have?
Cornerstone Financial Planning has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cornerstone Financial Planning invest in?
At the end of its last fiscal year, Cornerstone Financial Planning’s separately managed accounts held 88% registered funds (mutual funds, ETFs, BDCs), 5% exchange-traded equities, 5% cash and equivalents, 1% state and local bonds and 1% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Cornerstone Financial Planning have a minimum investment?
Yes, Cornerstone Financial Planning’s minimum account size for its Financial Planning and Investment Management is $750K. It charges a $7.5K annual minimum fee.
Who owns Cornerstone Financial Planning?
Cornerstone Financial Planning’s direct owners are Christina Traurig (50% to 75%) and Mackenzie Parsons (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 21 September 2026
How does Cornerstone Financial Planning get paid?
Cornerstone Financial Planning is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Cornerstone Financial Planning registered with the SEC?
Yes, Cornerstone Financial Planning has been registered with the SEC as an investment adviser since 27 April 2016. Its CRD number is 129656 and its SEC file number is 801-107703.
Source: Form ADV Part 1A, Item 1, filed 21 September 2026; IAPD firm record
How do I contact Cornerstone Financial Planning?
Cornerstone Financial Planning’s main office is at 8 Greenleaf Woods DR., Suite 202, Portsmouth, NH 03801. Its phone number is 603-431-1133. Its website is cornerstoneplanning.com.