How is Cornerstone Financial Consulting Compensated? Cornerstone Financial Consulting is licensed as a Registered Investment Adviser with Pennsylvania and New Jersey. As a Registered Investment Adviser, compensation is based on fees paid directly by the client. Cornerstone Financial Consulting does not receive commissions or remuneration of any kind from any other sources. There are two services available: Financial Planning Financial planning services include the analysis of budgets, investments, estate planning, retirement planning, educational funding, and tax planning from a comprehensive approach. The fee for these services is based on the amount of time involved. An estimate will be provided prior to the beginning of an engagement with a maximum fee established. Engagements are tailored to meet the specific need of each client. Investment Advisory Services Investment advisory services include continual monitoring and management of an investment portfolio, quarterly reports and meetings when necessary. The fee for this service is a fixed retainer billed quarterly in arrears. The amount of the fee is based on the complexity of the portfolio but is never more than 1% of the assets under management.