Business Details
31 Years
experience
Trusted Financial Advisers in Charlotte, NC
Established in 1995, we are a fee-only registered investment advisor firm committed to providing unbiased financial guidance. Our fiduciary approach prioritizes client interests above all, guided by decades of industry experience and advanced professional training. We specialize in wealth management and retirement plan consulting, serving individuals and businesses across the Charlotte metropolitan area and nationwide. Our team holds prestigious designations including Accredited Investment Fiduciary and Professional Plan Consultant, ensuring rigorous ethical standards and technical expertise. We maintain complete independence by accepting no commissions or third-party payments, with compensation solely derived from transparent client fees. Our proven investment process combines personalized planning, sophisticated research, and continuous portfolio monitoring to help clients achieve their unique financial objectives.We emphasize financial education for both retirement plan sponsors and individual investors, fostering long-term financial wellness. Our founder's 40-year industry tenure informs our approach to risk management, emphasizing capital preservation while pursuing growth opportunities. We maintain strict confidentiality and adhere to the highest standards of professional conduct, as demonstrated through our fiduciary certifications and ongoing continuing education. Our commitment to excellence extends to comprehensive reporting, cost benchmarking, and accessible financial counseling services for retirement plan participants.
Services
Wealth Management
Retirement Plans
Investment Management
Financial Planning
Retirement Plan Consulting
Details
- Year established: 1995
Highlights and features
- We operate as a fee-only fiduciary with no conflicts of interest
- Our advisors hold prestigious industry certifications and designations
- 40 years of combined investment management experience since 1985
- Personalized financial planning tailored to individual circumstances
- Transparent pricing with no hidden fees or commissions
Associations and certifications
- Accredited Investment Fiduciary (AIF)
- Professional Plan Consultant (PPC)
Services
Wealth Management
Our wealth management services provide comprehensive investment strategies tailored to individual financial goals. We combine personalized financial planning with rigorous portfolio management to help clients grow and protect their assets. Our fiduciary approach ensures all recommendations prioritize client interests while maintaining transparent fee structures.
Retirement Plans
We offer specialized retirement plan services for businesses and individual investors. Our expertise includes plan design, investment monitoring, and participant education to ensure long-term retirement security. We help plan sponsors meet fiduciary obligations while providing employees with accessible financial counseling and investment options.
Investment Management
Our investment management approach combines decades of experience with rigorous research to create customized portfolios. We employ a disciplined process that emphasizes risk management, capital preservation, and performance monitoring while maintaining complete transparency in our fee-only structure.
Financial Planning
We provide comprehensive financial planning covering retirement, estate, and tax strategies. Our services address debt reduction, credit management, and asset protection while focusing on long-term financial security through personalized planning and ongoing portfolio adjustments.
Retirement Plan Consulting
Our consulting services help businesses optimize retirement plans through design improvements, compliance monitoring, and cost benchmarking. We provide ongoing education for plan sponsors and individual counseling for participants to enhance retirement readiness across organizations.
People
David L. Hoshour
Founder, President
David Hoshour is an Accredited Investment Fiduciary with over 40 years of industry experience. He founded Cornerstone Investment Services in 1995 after working with major financial institutions. He holds advanced degrees in business and Christian apologetics, and maintains a strong commitment to continuing education and ethical financial practices.
Questions
What services does Cornerstone Investment Services offer?
We provide fee-only wealth management, retirement plan consulting, investment management, and financial planning services for individuals and businesses.
Are you legally required to act in my best interest?
Yes, as registered investment advisors and Accredited Investment Fiduciaries, we are legally obligated to prioritize client interests above all other considerations.
How are your services compensated?
We operate on a transparent fee-only basis with no commissions, markups, or third-party payments. Our compensation varies based on the value of assets under management.
Do you work with retirement plans?
Yes, we specialize in retirement plan consulting for businesses, including plan design, investment monitoring, compliance, and participant education services.
How do you differ from other financial advisors?
We maintain complete independence as fee-only fiduciaries with no product sales incentives. Our approach emphasizes ethical standards, transparency, and personalized service developed over decades of experience.
