{"url":"https://nivawealth.com/firms/cornerstone-financial-planning-129656","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/129656","regulatoryAum":400691257,"crd":"129656","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5941511","suffix":"II","lastName":"BETTERS","firstName":"BARRY","middleName":"KECK"},{"crd":"8202376","suffix":null,"lastName":"Bonneau","firstName":"Derek","middleName":null},{"crd":"6596420","suffix":null,"lastName":"CASALE","firstName":"SARA","middleName":"ANNE"},{"crd":"5371043","suffix":null,"lastName":"PARSONS","firstName":"MACKENZIE","middleName":"HOLLY THEODORA"},{"crd":"7475850","suffix":null,"lastName":"Pensinger","firstName":"Danielle","middleName":"S"},{"crd":"6513564","suffix":null,"lastName":"TRAURIG","firstName":"CHRISTINA","middleName":"CLARA"},{"crd":"8208985","suffix":null,"lastName":"Wagner","firstName":"Jillian","middleName":"Elizabeth"}],"total":7,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-05-13","regulatoryAum":237636177,"clients":174,"employees":5,"offices":3},{"filedOn":"2022-07-26","regulatoryAum":266577193,"clients":198,"employees":8,"offices":3},{"filedOn":"2023-03-23","regulatoryAum":254201637,"clients":217,"employees":7,"offices":3},{"filedOn":"2024-05-02","regulatoryAum":306048452,"clients":225,"employees":7,"offices":2},{"filedOn":"2025-03-26","regulatoryAum":336027979,"clients":233,"employees":7,"offices":2},{"filedOn":"2026-09-21","regulatoryAum":400691257,"clients":247,"employees":6,"offices":2}],"secFileNumber":"801-107703","legalName":"Cornerstone Financial Planning, LLC","displayName":"Cornerstone Financial Planning","slug":"cornerstone-financial-planning-129656","website":"https://cornerstoneplanning.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/cornerstone-financial-planning-llc-/","founded":"2004","organization":"New Hampshire limited liability company","fiscalYearEnd":"December","headquarters":{"street":"8 Greenleaf Woods DR., Suite 202","city":"Portsmouth","state":"NH","stateName":"New Hampshire","country":"United States","postalCode":"03801"},"tradeNames":[],"registration":{"secApproved":"27 April 2016","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1622231.8097165993,"staff":{"employees":6,"advisory":6,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":400691257,"discretionary":398282286,"discretionaryAccounts":1004,"nonDiscretionary":2408971,"nonDiscretionaryAccounts":21,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":58},"clientTypes":[{"label":"Individuals (other than HNW)","clients":80,"regulatoryAum":32696256},{"label":"High-net-worth individuals","clients":167,"regulatoryAum":367995001}],"feePrograms":[{"role":"main","program":"Financial Planning and Investment Management","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":4000000,"pct":0.6,"from":1000000},{"to":null,"pct":0.3,"from":4000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053692","versionId":1053692,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-08-03","documentName":"ADV DISCLOSURE BROCHURE","fee_rate_low":0.3,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":750000,"feeMinimumPeriod":"annual","fee_minimum_annual":7500},{"role":"other","program":"Hourly Consulting Services","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053692","versionId":1053692,"submittedOn":"2026-08-03","documentName":"ADV DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:57:30.673797+00:00","documents":[{"name":"ADV DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053692","versionId":1053692,"submittedOn":"2026-08-03"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":393577056}],"custodyNote":"Cornerstone Financial Planning has custody of $149M in client assets for 98 clients.","leadership":[{"name":"Christina Traurig","title":"Chief Compliance Officer/Member/Principal","crd":"6513564"},{"name":"Mackenzie Parsons","title":"Member/Principal","crd":"5371043"}],"ownership":[{"label":"Christina Traurig","detail":"Chief compliance officer/member/principal in the 50% to 75% ownership band and a control person, since July 2022."},{"label":"Mackenzie Parsons","detail":"Member/principal in the 50% to 75% ownership band and a control person, since July 2022."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Maine","offices":1,"addresses":[{"street":"38 Union Wharf","city":"Portland"}]},{"state":"New Hampshire","offices":1,"addresses":[{"street":"8 Greenleaf Woods DR., Suite 202","city":"Portsmouth","headquarters":true}]}],"brochureServices":["divorce planning","education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"603-431-1133","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":88},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"21 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/129656/PDF/129656.pdf","brochureDate":"3 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053692","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Cornerstone Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cornerstone Financial Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Cornerstone Financial Planning charge?","answer":"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.","source":"ADV DISCLOSURE BROCHURE, filed 3 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cornerstone Financial Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cornerstone Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cornerstone Financial Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Cornerstone Financial Planning have a minimum investment?","answer":"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.","source":"ADV DISCLOSURE BROCHURE, filed 3 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Cornerstone Financial Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cornerstone Financial Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Cornerstone Financial Planning registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Cornerstone Financial Planning?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}