Cornerstone Capital

What Cornerstone Capital does

Cornerstone Capital Wealth Management is a private, independent fiduciary wealth management firm headquartered at 5635 Harris Hill Rd., Williamsville, NY, serving the Western New York region. The firm targets high-net-worth individuals and families with $1 million or more in investable assets, alongside business owners, young professionals/entrepreneurs/athletes, and non-profit organizations/endowments. Its core service is personalized, one-on-one financial planning delivered through a structured new client experience (FIT Meeting, Discovery Meeting, Implementation Meeting, Welcome Aboard, First Review, and ongoing Strategic/Tactical Meetings). Securities and advisory services are provided through affiliations with Kestra Investment Services, LLC and Kestra Advisory Services, LLC, under the broader Kestra Financial umbrella.

The firm's service suite spans Financial Planning, Investment Management, Insurance Planning, Estate Planning, and Charitable Giving for individual clients, plus business-focused modules (Succession Planning, Retirement Plan design including SEPs/SIMPLE IRAs/401(k)s/403(b)s/cash balance plans, Group Benefits, Key Employee Benefits, Tax Planning, Risk Management) and a non-profit module (investment policy statements, LOSAP administration). The central intellectual asset is the proprietary PathStone Process, a three-stage Discover-Design-Deploy wealth planning methodology with seven guiding principles, protected under common law trademark. Educational tools (financial calculators, animated videos, monthly newsletters, digital flipbooks) support client engagement and top-of-funnel marketing.

The business model is subscription-style recurring revenue: fees are a percentage of assets under management, billed annually, with no additional charges for personal meetings or telephone consultations. The firm is led by three named partners—Joseph M. Ervolina (Managing Partner), Robert C. Meissner III (Partner), and Dan Cavaretta (VP of Planning and Business Solutions)—with no public disclosure of total headcount, AUM, or revenue. No funding rounds, acquisitions, or institutional investment are indicated.

Name

Cornerstone Capital

Legal name

Cornerstone Capital Wealth Management

Website

https://ccwealthmanagement.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cornerstone Capital Wealth Management is an independent fiduciary advisory firm in Williamsville, NY, serving high-net-worth individuals, business owners, young professionals, and non-profits in Western New York through a proprietary PathStone Process and AUM-based fee model.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG)

akta.pro secondary industry

Private Banking Business Owners & Entrepreneur Solutions (Liquidity Events, Pre-IPO) (FSABADAK)

Keywords

• Wealth management services
• Financial planning advisory
• Investment management
• Fiduciary financial advisor
• Retirement plan services

Headquarters

HQ city

Clarence Center

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Assets Under Management (AUM) Fees: Fees are based on a percentage of assets under management, meaning advisors are compensated according to performance for clients. No extra service fees for personal meetings or telephone consultations. This is a recurring revenue model based on client portfolio values.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Cornerstone Capital Wealth Management provides customized, fiduciary financial planning and investment management services to high-net-worth individuals, business owners, young professionals, and non-profit organizations. Services are delivered through the firm's proprietary PathStone Process, integrating wealth management with risk management, debt management, income and tax planning, and philanthropy. The firm charges asset-under-management-based fees with no additional charges for meetings or consultations.

Product overview

Cornerstone Capital Wealth Management offers a unified financial advisory platform anchored by its proprietary PathStone Process—a three-stage (Discover-Design-Deploy) wealth planning methodology. The core service suite includes Financial Planning and Investment Management as primary offerings, supplemented by Insurance Planning, Estate Planning, and Charitable Giving modules. For business clients, they provide specialized services including Succession Planning, Retirement Plans, Group Benefits, Key Employee Benefits, Tax Planning, Risk Management, and Business Consulting. Non-profit clients receive tailored investment management and LOSAP administration. The firm also provides client education tools including Financial Calculators, Educational Videos, Newsletters, and Flipbooks. Services are delivered through one-on-one advisory relationships, not software products.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Full-service, team-based financial planning service that addresses all aspects of a client's financial future through collaboration with accountants, attorneys, insurance agents, and other professional organizations.
• Investment Management Personalized investment portfolio management tailored to individual financial security, risk tolerance, and educational approach, with ongoing monitoring and recommendations.
• Insurance Planning Proactive insurance planning service for future life events, protecting assets and loved ones through comprehensive insurance strategy analysis.
• Estate Planning Comprehensive estate planning service ensuring wealth preservation and smooth transfer of assets to beneficiaries while minimizing tax liabilities and fulfilling legacy goals.
• Charitable Giving Planning Strategic charitable giving coordination using Charitable Remainder Trusts (CRTs), donor-advised funds, and family foundations to maximize philanthropic impact and optimize tax advantages.
• Business Succession Planning Strategic preparation for business transition, including exit strategies, IPO planning, employee buyouts, and private equity engagement for business owners.
• Retirement Plan Services Diverse retirement plan design and administration including SEPs, SIMPLE IRAs, 401(k)s, 403(b)s, deferred compensation plans, and cash balance plans tailored to business needs.
• Group Benefits Employer-sponsored programs offering health, life, and other insurance coverage as part of employee compensation packages.
• Key Employee Benefits Strategies to reward and retain key employees through Non-Qualified Deferred Compensation, Long-Term Incentive Plans (LTIPs), Phantom Stock, Stock Appreciation Rights (SARs), and other Non-Qualified Stock Options.
• Tax Planning Tax planning opportunities identification and advisory for business owners in collaboration with CPAs, including tax strategy implementation for future planning.
• Business Risk Management Business risk assessment and insurance strategies to safeguard businesses from potential incidents, ensuring separation of business and personal assets.
• Business Consulting Comprehensive consulting services delivered through VAST (Value Added Service Team) partners including business coaching, business brokers, and investment banking professionals.
• Non-profit Investment Management Specialized financial planning for non-profits, endowments, and foundations ensuring sustainable growth and efficient fund management aligned with organizational mission.
• Investment Policy Statement Development Development and maintenance of tailored investment policy statements to guide non-profits in achieving financial objectives and ensuring prudent asset management.
• Length of Service Award Programs (LOSAP) Retirement plan administration for volunteer firefighters and emergency service personnel providing financial rewards based on length and level of service.
• PathStone Process Proprietary wealth planning methodology with three core phases (Discover, Design, Deploy) that integrates wealth management with risk management, debt management, income and tax planning, and philanthropy. Designed to continually adjust and monitor critical life and financial events.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• VAST Partners (Value Added Service Team)minorStrategic or Co-development PartnerExternal professional network including business coaches, business brokers, and investment banking professionals engaged to provide comprehensive business consulting services for business owner clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Northwestern Mutual Wealth Management: National wealth management and insurance planning provider serving individuals and business owners with holistic financial planning. Comparable to Cornerstone in targeting business owners for succession planning, retirement plans, and integrated life insurance/wealth solutions.
• Edelman Financial Engines: One of the largest independent RIAs in the US serving mass-affluent and HNW clients with fee-only advice, financial planning, and investment management. Comparable as a large-scale fiduciary wealth advisory competitor with a broader national footprint than Cornerstone.
• Goldman Sachs Personal Financial Management: National wealth advisory arm of Goldman Sachs serving HNW and mass-affluent clients with holistic planning, investment management, and lending. Comparable in offering integrated wealth planning to affluent individuals, though much larger and backed by a major bank.
• Schwab Wealth Advisory: Charles Schwab's wealth advisory offering targeting investors with $500K+ including dedicated advisors and financial planning. Comparable to Cornerstone in serving affluent clients with personalized advice, though scaled via Schwab's custodial and technology platform.

Direct peers

• Ronald Blue Trust: Faith-based, fee-only RIA providing comprehensive financial planning, investment management, and estate/charitable planning to HNW clients. Comparable in offering integrated wealth planning with fiduciary, planning-led approach rather than transactional brokerage.
• Mariner Wealth Advisors: Independent RIA providing comprehensive wealth advisory, financial planning, estate planning, and tax services to HNW individuals and families. Closely comparable as a multi-partner, fee-based independent advisory firm with a similar integrated service offering.
• Baird Wealth Management: Employee-owned, fiduciary wealth management firm serving HNW individuals, families, and business owners with personalized planning and investment advice. Comparable in client focus, advisor-led model, and integrated business-owner services including retirement plans.
• Creative Planning: Large independent, fee-only RIA offering comprehensive financial planning, investment management, estate planning, and retirement plan services to HNW clients and business owners. Comparable in fiduciary model, integrated planning philosophy, and multi-segment approach.
• Sequoia Financial Group: Fee-only, fiduciary RIA delivering comprehensive wealth management, financial planning, and retirement plan services to HNW individuals, families, and business owners. Comparable in client mix, fiduciary model, and integrated personal-and-business planning approach.

Emerging players

• Facet Wealth: Tech-enabled, flat-fee financial planning firm serving HNW clients remotely with CFP-led advice. Comparable in offering fiduciary financial planning to affluent clients, but differentiated by virtual delivery and transparent flat fees versus Cornerstone's AUM model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cornerstone-capital-wealth-management

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cornerstone Capital