{
  "crd_number": 307189,
  "slug": "cornerstone-planning-group-fairfield-nj-307189",
  "primary_business_name": "CORNERSTONE PLANNING GROUP",
  "legal_name": "CORNERSTONE PLANNING GROUP INC.",
  "dbas": [
    "ALLEN FINANCIAL GROUP",
    "ANGLE + FIFTH",
    "HIGHLIFT FINANCIAL",
    "HORIZON WEALTH STRATEGIES, LLC",
    "LUNA FINANCIAL GROUP",
    "STRATA CAPITAL"
  ],
  "city": "Fairfield",
  "state": "NJ",
  "country": "United States",
  "cbsa_code": "35620",
  "metro": {
    "cbsa_code": "35620",
    "common_name": "New York",
    "msa_name": "New York-Newark-Jersey City, NY-NJ",
    "path": "/advisors/ny/new-york"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2020-03-13",
  "years_registered": 6,
  "period": "2026-10-01",
  "filing_date": "2026-09-08",
  "carried_forward": false,
  "raum_total": 951848121.0,
  "raum_discretionary": 796422098.0,
  "raum_non_discretionary": 155426023.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 21,
  "advisory_employees": 16,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 139115.0,
      "count": 0,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 285671692.0,
      "count": 967
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 155426023.0,
      "count": 46
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 482132291.0,
      "count": 225
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 28479000.0,
      "count": 13
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CA",
    "CT",
    "FL",
    "GA",
    "MA",
    "ME",
    "NC",
    "NH",
    "NJ",
    "NY",
    "OH",
    "PA",
    "SC",
    "TX",
    "VA"
  ],
  "websites": [
    "https://cspgllc.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/307189",
  "city_as_filed": "FAIRFIELD",
  "url": "https://advisorcensus.com/firm/cornerstone-planning-group-fairfield-nj-307189",
  "display_name": "Cornerstone Planning Group",
  "summary": "Cornerstone Planning Group is an SEC-registered investment advisory firm in Fairfield, NJ, registered since 2020, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated September 8, 2026.",
  "citation": "AdvisorCensus. Cornerstone Planning Group (CRD 307189): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Cornerstone Planning Group compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cornerstone Planning Group reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "What does Cornerstone Planning Group's brochure say about its fees?",
      "a": "Its Form ADV Part 2A brochure dated March 10, 2026 states: Asset-based fee: 0.5% to 1.35% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Cornerstone Planning Group located?",
      "a": "Cornerstone Planning Group's principal office is in Fairfield, NJ, according to its Form ADV; the October 2026 filing also lists 6 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Cornerstone Planning Group registered with the SEC or a state?",
      "a": "Cornerstone Planning Group is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 307189."
    },
    {
      "q": "How much does Cornerstone Planning Group manage?",
      "a": "Cornerstone Planning Group reports $951,848,121 in regulatory assets under management in its Form ADV filing dated September 8, 2026 (84% discretionary)."
    },
    {
      "q": "How have Cornerstone Planning Group's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Cornerstone Planning Group: Regulatory assets under management: $209,259,244 in the October 2021 data and $951,848,121 in the October 2026 data, up 355%. Total employees: 5 in October 2021 and 21 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Cornerstone Planning Group serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (967); high net worth individuals (225); pension and profit sharing plans (but not the plan participants or government pension plans) (46)."
    },
    {
      "q": "Which custodians does Cornerstone Planning Group use?",
      "a": "Cornerstone Planning Group's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Cornerstone Planning Group report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/307189"
    },
    {
      "q": "Does Cornerstone Planning Group state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 10, 2026 says: \"The Firm does not require minimum income levels, minimum level of assets or other conditions for its financial planning, investment consultation, or portfolio management services.\""
    },
    {
      "q": "What changed in Cornerstone Planning Group's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Changed its office addresses in Redbank, NJ."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 209259244.0,
      "total_employees": 5,
      "filing_date": "2021-06-14"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 262237024.0,
      "total_employees": 7,
      "filing_date": "2022-07-28"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 418847618.0,
      "total_employees": 14,
      "filing_date": "2023-09-05"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 523309849.0,
      "total_employees": 15,
      "filing_date": "2024-04-01"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 650035096.0,
      "total_employees": 19,
      "filing_date": "2025-07-08"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 951848121.0,
      "total_employees": 21,
      "filing_date": "2026-09-08"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Changed its office addresses in Redbank, NJ."
      ]
    },
    {
      "period": "2026-05-01",
      "period_label": "May 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "No longer lists the business name Southern Capital.",
        "Employees performing advisory functions went from 15 to 16.",
        "Regulatory assets under management went from $650,035,096 to $951,848,121 (+46%).",
        "Added an office in Weston, FL.",
        "No longer lists an office in Tallahassee, FL."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Added the business name Horizon Wealth Strategies, LLC.",
        "Added an office in Austin, TX.",
        "Added an office in New Braunfels, TX.",
        "No longer lists an office in Abington, PA.",
        "No longer lists an office in New York, NY."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 10, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": "0.5% to 1.35% a year",
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 0.5% to 1.35% a year (a range, as the brochure states it)"
        ],
        "quotes": [
          "Our standard advisory fee ranges from .50 to 1.35% and depends in part on the complexity of the portfolio, the risk profile of the portfolio, the number of accounts in the household, the amount of assets managed for the household and relationship of the client to the Firm."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "The Firm does not require minimum income levels, minimum level of assets or other conditions for its financial planning, investment consultation, or portfolio management services."
        ]
      }
    ],
    "quotes": [
      "Our standard advisory fee ranges from .50 to 1.35% and depends in part on the complexity of the portfolio, the risk profile of the portfolio, the number of accounts in the household, the amount of assets managed for the household and relationship of the client to the Firm.",
      "The Firm does not require minimum income levels, minimum level of assets or other conditions for its financial planning, investment consultation, or portfolio management services."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/cornerstone-planning-group-fairfield-nj-307189.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 967,
      "fewer_than_5": false,
      "raum": 285671692.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 225,
      "fewer_than_5": false,
      "raum": 482132291.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 46,
      "fewer_than_5": false,
      "raum": 155426023.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": true,
      "raum": 139115.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 13,
      "fewer_than_5": false,
      "raum": 28479000.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/307189",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}