Cornerstone Wealth Advisors, Inc. is an independent, fee-only advisory firm.  Each of our financial planners holds the Certified Financial Planner (CFP®) designation.  Between Andrea, Michael and myself, we average over fifteen years of direct client advisory experience, and our ages range from our early 30s to our early 50s.  We would welcome the opportunity to meet with you.

Cornerstone Wealth Advisors, Inc. works with about 200 client households in over twenty states - and several foreign countries - to provide comprehensive financial planning as well as ongoing wealth and investment management. 

Quite a number of our clients include multiple generations of the same family.  About a third of these have been clients for more than fifteen years; we have been privileged to work with a few of these for over twenty years!  These clients are clients of the firm; their relationship is not dependent on a single individual.

Our clients are at various stages of their financial lives.  About one-third are retired, many for nearly ten years.  Roughly half are on track for their plans to retire in the next 5-10 years.  Another 20% of our clients are firmly in the middle years of their careers and are building resources for their retirement years even as they are also carrying out plans for the funding of their children's educations.

Our ongoing work with these clients includes the generation of a sustainable retirement income (for which my published research and ongoing writings have earned a national reputation), cash flow planning with a keen eye toward the management of both current and future income taxes, investment portfolio analysis and management, estate and charitable planning as well as analysis and advice on specific risk reduction and insurance needs (though we do not sell insurance products).

With over 25 years’ experience advising clients and families, Jonathan Guyton, CFP® is the founder of Cornerstone Wealth Advisors, Inc., a holistic financial planning and comprehensive wealth management firm in Minneapolis that serves over 200 families who reside full-time in over 20 different states.

Jonathan is an award-winning financial advisor and national speaker in the asset distribution, wealth management and retirement income generation fields.  He is Retirement Columnist in the profession’s leading journal and has been featured in numerous interviews with the Wall Street Journal, New York Times, Kiplinger's Personal Finance and Money.  Many appear online at www.cornerstonewealthadvisors.com

His contributions within the financial planning profession include:

• 2004 winner, Journal of Financial Planning (JFP) Call for Papers competition; his "Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’ Initial Withdrawal Rate Too Safe?" was the first in-depth research to show how a flexible dynamic distribution strategy impacts Safe Withdrawal Rates
• Co-author, "Decision Rules and Maximum Initial Withdrawal Rates" in the March 2006 JFP, which formulated and tested withdrawal policies that have become a cornerstone of distribution planning at many large independent U.S. wealth management firms

His contributions within the financial planning profession include:

• 2004 winner, Journal of Financial Planning (JFP) Call for Papers competition; his "Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’