WH Cornerstone Investments provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 101–250 clients last fiscal year.
WH Cornerstone Investments reports 148 clients. They include 97 individual clients, 48 high-net-worth individuals, and 3 pension and profit-sharing plans. Of its assets, 100.0% ($200M across 393 accounts) are managed with discretion. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 66% | 24% |
| High-net-worth individuals | 32% | 74% |
| Pension and profit-sharing plans | 2% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 97 | $47.4M | 23.7% | $489K |
| High-net-worth individuals | 48 | $148M | 73.8% | $3.08M |
| Pension and profit-sharing plans | Fewer than 5 | $4.92M | 2.5% | $1.64M |
| Total | 148 | $200M | 100% | — |
- Clients
- 97
- Regulatory AUM
- $47.4M
- AUM share
- 23.7%
- Avg. per client
- $489K
- Clients
- 48
- Regulatory AUM
- $148M
- AUM share
- 73.8%
- Avg. per client
- $3.08M
- Clients
- Fewer than 5
- Regulatory AUM
- $4.92M
- AUM share
- 2.5%
- Avg. per client
- $1.64M
Total
- Clients
- 148
- Regulatory AUM
- $200M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
WH Cornerstone Investments charges 0.50%–1.65% a year for its Investment and Wealth Management. The fee is billed in arrears, is negotiable and has a $3,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Fixed fee generally from $500 to $30,000, negotiable, or included in the asset-based fee; generally payable on entering the agreement.
- Ongoing Financial Planning
- Generally $100 to $12,000 a year, billed monthly or quarterly in advance or arrears per the client agreement; may be negotiable.
William Harris owns 50% to 75% of WH Cornerstone Investments. The leadership team of WH Cornerstone Investments includes President William Harris. It has 6 employees, 4 of them in advisory roles.
Leadership
William HarrisPresident, Director, Treasurer and CCO
Paula HarrisDirector and Secretary
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 4 in advisory functions
- 4 state-registered reps
- 2 insurance agents
- Owns 50% to 75% of WH Cornerstone Investments Inc.
William Harris
Control person · since November 1998
- Owns 50% to 75% of WH Cornerstone Investments Inc.
Paula Harris
Control person · since July 2015
WH Cornerstone Investments’ regulatory assets grew 1.6× from $125M (March 2021) to $200M (October 2026); clients rose from 106 to 148 and employees from 3 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| October 2026 | $200M | 148 | 6 | 1 |
| February 2025 | $181M | 153 | 3 | 1 |
| June 2024 | $160M | 138 | 3 | 1 |
| March 2023 | $128M | 124 | 4 | 1 |
| March 2022 | $149M | 106 | 3 | 1 |
| March 2021 | $125M | 106 | 3 | 1 |
Besides its headquarters, WH Cornerstone Investments has 0 offices, with 1 listed address in Massachusetts.
Massachusetts · 1 listed address
- 11 Washington Street, DuxburyHQ
Contact and registration details
- Legal name
- WH Cornerstone Investments Inc.
- Headquarters
- 11 Washington Street, Duxbury, MA 02332
- Website
- whcornerstone.com
- Phone
- 888-797-9009
- @wh-cornerstone-investments
- SEC file
- 801-117397
- Structure
- Massachusetts corporation
- Fiscal year end
- December
WH Cornerstone Investments uses Charles Schwab ($199M) as custodian for its separately managed accounts. WH Cornerstone Investments has custody of $16.8M in client assets for 10 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $199M100%
At year end, WH Cornerstone Investments’ separately managed accounts were mostly in funds (57%) and stocks (42%). Its reported 13F holdings for the quarter ended 30 June 2026 total $177M across 141 positions; the largest are Vanguard Index Fds (14.7%), Vanguard Tax-managed Fds (5.5%) and Apple Inc. (4.3%).
What the accounts hold
- Stocks42%
- Funds57%
- Cash1%
Reported 13F holdings
- $177M
- Reported 13F value
- 141
- Positions
- 46.0%
- In the 10 largest
- +10.5%
- Value vs. prior quarter
- Vanguard Index Fds · Total Stk Mkt14.7%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt5.5%
- Apple Inc.4.3%
- Alphabet Inc. · Cap Stk CL A3.5%
- Vanguard Scottsdale Fds · Shrt Trm Corp. BD3.4%
- Vanguard Charlotte Fds · Total Int BD ETF3.4%
- Vanguard Scottsdale Fds · Int-term Corp.3.1%
- Microsoft Corp.2.9%
- Amazon Com Inc.2.8%
- Schwab Strategic TR · Int-trm U.s Tres2.4%
Together, the ten largest are 46.0% of reported value.
How many clients does WH Cornerstone Investments have?
WH Cornerstone Investments has 148 clients and manages $200 million for them, as of October 2026. They include 97 individual clients, 48 high-net-worth individuals, and 3 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026
What services does WH Cornerstone Investments offer?
WH Cornerstone Investments provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does WH Cornerstone Investments charge?
WH Cornerstone Investments charges 0.50%–1.65% a year for its Investment and Wealth Management. The fee is billed in arrears, is negotiable and has a $3,000 annual minimum.
Source: W.H. CORNERSTONE INVESTMENTS, LLC - FORM ADV PART 2, filed 30 September 2026
Which custodians does WH Cornerstone Investments use?
WH Cornerstone Investments’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $199M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026
How many financial advisors does WH Cornerstone Investments have?
WH Cornerstone Investments has 4 investment adviser representatives registered with state securities authorities, out of 6 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are 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 WH Cornerstone Investments invest in?
At the end of its last fiscal year, WH Cornerstone Investments’ separately managed accounts held 57% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns WH Cornerstone Investments?
WH Cornerstone Investments’ direct owners are William Harris (50% to 75%) and Paula Harris (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 1 October 2026
How does WH Cornerstone Investments get paid?
WH Cornerstone Investments 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
How do I contact WH Cornerstone Investments?
WH Cornerstone Investments’ main office is at 11 Washington Street, Duxbury, MA 02332. Its phone number is 888-797-9009. Its website is whcornerstone.com.