{
  "crd_number": 166886,
  "slug": "cornerstone-wealth-planning-charlotte-nc-166886",
  "primary_business_name": "CORNERSTONE WEALTH PLANNING",
  "legal_name": "CORNERSTONE PLANNING, LLC",
  "dbas": [
    "CORNERSTONE WEALTH PLANNING",
    "RETIREMENT COURSE REGISTRATION"
  ],
  "city": "Charlotte",
  "state": "NC",
  "country": "United States",
  "cbsa_code": "16740",
  "metro": {
    "cbsa_code": "16740",
    "common_name": "Charlotte",
    "msa_name": "Charlotte-Concord-Gastonia, NC-SC",
    "path": "/advisors/nc/charlotte"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2020-07-31",
  "years_registered": 6,
  "period": "2026-10-01",
  "filing_date": "2026-02-10",
  "carried_forward": false,
  "raum_total": 485905211.0,
  "raum_discretionary": 481598034.0,
  "raum_non_discretionary": 4307177.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 13,
  "advisory_employees": 9,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 2510278.0,
      "count": null,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 135794189.0,
      "count": 282
    },
    "pension_profit_sharing": {
      "raum": 4307177.0,
      "count": null,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 343293567.0,
      "count": 127
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "GA",
    "NC",
    "SC",
    "TX"
  ],
  "websites": [
    "https://cornerstone4planning.com",
    "https://rpblueprint.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/166886",
  "city_as_filed": "CHARLOTTE",
  "url": "https://advisorcensus.com/firm/cornerstone-wealth-planning-charlotte-nc-166886",
  "display_name": "Cornerstone Wealth Planning",
  "summary": "Cornerstone Wealth Planning is an SEC-registered investment advisory firm in Charlotte, NC, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 10, 2026.",
  "citation": "AdvisorCensus. Cornerstone Wealth Planning (CRD 166886): 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",
    "Selection of other advisers (including private fund managers)",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Cornerstone Wealth Planning compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cornerstone Wealth Planning reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Cornerstone Wealth Planning charge?",
      "a": "Its Form ADV Part 2A brochure dated February 10, 2026 states: Hourly rate: $250 an hour (Hourly Planning / Analysis); Subscription: $500 to $5,000 a quarter (Financial Planning Retainer); Flat fee: $250 to $5,000 (Comprehensive Financial Planning). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Cornerstone Wealth Planning located?",
      "a": "Cornerstone Wealth Planning's principal office is in Charlotte, NC, according to its Form ADV; the March 2026 filing also lists 3 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Cornerstone Wealth Planning registered with the SEC or a state?",
      "a": "Cornerstone Wealth Planning is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 166886."
    },
    {
      "q": "How much does Cornerstone Wealth Planning manage?",
      "a": "Cornerstone Wealth Planning reports $485,905,211 in regulatory assets under management in its Form ADV filing dated February 10, 2026 (99% discretionary)."
    },
    {
      "q": "How have Cornerstone Wealth Planning's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Cornerstone Wealth Planning: Regulatory assets under management: $135,861,862 in the October 2021 data and $485,905,211 in the October 2026 data, up 258%. Total employees: 8 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Cornerstone Wealth Planning serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (282); high net worth individuals (127)."
    },
    {
      "q": "Which custodians does Cornerstone Wealth Planning use?",
      "a": "Cornerstone Wealth Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Cornerstone Wealth Planning 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/166886"
    },
    {
      "q": "Does Cornerstone Wealth Planning state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated February 10, 2026 says: \"We do not have a minimum opening account balance.\" \"We do not impose a minimum dollar value on the size of account we will accept.\" \"We do not have a minimum account size requirement.\""
    },
    {
      "q": "What changed in Cornerstone Wealth Planning's recent Form ADV filings?",
      "a": "In the March 2026 filing data: Employees performing advisory functions went from 8 to 9. Regulatory assets under management went from $377,153,984 to $485,905,211 (+29%). Registered or notice-filed in GA. Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 135861862.0,
      "total_employees": 8,
      "filing_date": "2021-09-23"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 185064655.0,
      "total_employees": 9,
      "filing_date": "2022-02-07"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 228950094.0,
      "total_employees": 10,
      "filing_date": "2023-07-27"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 309433605.0,
      "total_employees": 13,
      "filing_date": "2024-02-01"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 377153984.0,
      "total_employees": 13,
      "filing_date": "2025-02-23"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 485905211.0,
      "total_employees": 13,
      "filing_date": "2026-02-10"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Employees performing advisory functions went from 8 to 9.",
        "Regulatory assets under management went from $377,153,984 to $485,905,211 (+29%).",
        "Registered or notice-filed in GA.",
        "Updated its list of owners and control persons (Schedule A)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 10, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $250 an hour (Hourly Planning / Analysis)",
      "Subscription: $500 to $5,000 a quarter (Financial Planning Retainer)",
      "Flat fee: $250 to $5,000 (Comprehensive Financial Planning)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We do not have a minimum opening account balance.",
          "We do not impose a minimum dollar value on the size of account we will accept.",
          "We do not have a minimum account size requirement."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $250 an hour (Hourly Planning / Analysis)"
        ],
        "quotes": [
          "Hourly Planning / Analysis $250 /hour"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $500 to $5,000 a quarter (Financial Planning Retainer)"
        ],
        "quotes": [
          "Financial Planning Retainer $500-$5,000/quarterly"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $250 to $5,000 (Comprehensive Financial Planning)"
        ],
        "quotes": [
          "Comprehensive financial planning is performed for a fixed fee of $250 - $5,000"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 250.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Hourly Planning / Analysis"
        },
        {
          "kind": "subscription",
          "amount": null,
          "min": 500.0,
          "max": 5000.0,
          "period": "quarterly",
          "service": "Financial Planning Retainer"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 250.0,
          "max": 5000.0,
          "period": "one_time",
          "service": "Comprehensive Financial Planning"
        }
      ]
    },
    "quotes": [
      "We do not have a minimum opening account balance.",
      "We do not impose a minimum dollar value on the size of account we will accept.",
      "We do not have a minimum account size requirement.",
      "Hourly Planning / Analysis $250 /hour",
      "Financial Planning Retainer $500-$5,000/quarterly",
      "Comprehensive financial planning is performed for a fixed fee of $250 - $5,000"
    ],
    "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
    },
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "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-wealth-planning-charlotte-nc-166886.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 282,
      "fewer_than_5": false,
      "raum": 135794189.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 127,
      "fewer_than_5": false,
      "raum": 343293567.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": null,
      "fewer_than_5": true,
      "raum": 4307177.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": null,
      "fewer_than_5": true,
      "raum": 2510278.0
    }
  ],
  "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/166886",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}