A digital-first investment management service for self-directed investors who want institutional-grade portfolios and a real fiduciary advisor — without the time commitment of full-service wealth management.
You'll never be invisible to us.
Begin Onboarding →Built for the investor who values professional management but doesn't need quarterly meetings or comprehensive financial planning.
Five model portfolios constructed and monitored by our investment team — the same framework we use for full-service clients.
Portfolios are monitored continuously and rebalanced when allocations drift outside their bands — no action required from you.
Up to two scheduled planning meetings per year covering specific topics — retirement projections, tax strategy, account titling.
A real human service team handles account questions, transfer issues, and operational requests — typically same-day response.
Clear, jargon-free statements showing your returns, allocation, and how the portfolio is performing relative to its benchmark.
Independence Square Advisors is a registered investment advisor — we're legally obligated to act in your best interest, every account, every time.
Every Cornerstone client is matched to one of five model portfolios based on their investor profile assessment. The right model is the one that aligns with your time horizon, capacity, and tolerance for volatility.
Capital preservation focused. Built for short horizons or low capacity for drawdown.
Defensive backbone with measured equity exposure for some growth potential.
A balanced approach weighing growth against stability. The classic core allocation.
Growth-oriented with some defensive ballast. Long horizons, higher tolerance.
Built to compound over decades. Accepts meaningful volatility for maximum return potential.
A four-step digital process. No phone calls required, though we're always available if you have questions.
Complete the investor profile questionnaire to determine your model portfolio match.
~10 minutesProvide your information through our secure data form. A member of our team prepares your account documents personally — checking everything against your investor profile before sending for e-signature.
~15 minutesWe coordinate the transfer of your assets from your existing custodian and invest them in your model portfolio.
5–10 business daysWe handle rebalancing, oversight, and reporting. You handle living your life.
ContinuousWe don't believe an algorithm should open your investment account. A real person on our team prepares your application, reviews it against your investor profile, and signs off before documents go out for e-signature. The minor friction of a few business days is by design — your retirement deserves more than a chatbot.
Cornerstone sits between fully automated robo-advisors and full-service wealth management — bringing institutional portfolio management and human accountability without the all-inclusive price.
| Pure Robo-Advisor Automated platforms | Cornerstone Investment Management | Comprehensive Full-service advisory | |
|---|---|---|---|
| Account opening | Fully automated | Human-prepared | Advisor-led |
| Investment management | Algorithmic | Five-sleeve actively managed | Five-sleeve actively managed |
| Access to a real advisor | Chatbot | ✓ Planning meetings | ✓ Dedicated relationship |
| Financial planning | — | Limited | ✓ Comprehensive |
| Tax & estate coordination | — | As needed | ✓ Included |
| Service team | Self-service portal | ✓ Dedicated email | ✓ Direct line |
| Annual cost (advisory) | 0.25% – 0.35% | 0.50% | From 1.00% |
| Fiduciary obligation | Varies | ✓ Always | ✓ Always |
No transaction fees, no platform fees, no hidden costs. Underlying ETF and fund expenses are charged separately and disclosed in your statements.
Our online onboarding walks you through both steps in sequence — first the profile questionnaire to identify your model portfolio, then the secure data form so we can prepare your account documents.
Your assets are custodied at LPL Financial in an account titled in your name. Independence Square Advisors directs the investment management; we never take possession of your money.
Most of it. You complete the questionnaire and application online, and we send all documents for e-signature. But we don't believe an algorithm should be opening your investment account. A member of our team personally reviews your application and prepares your account documents before they go to you for e-signature. Plan on the process taking about a week from start to funded.
Yes. We retake the investor profile assessment annually, or any time your circumstances change. If your profile shifts, we move you to the appropriate model.
You get access to a real fiduciary advisor for planning conversations, an actively managed five-sleeve framework that adapts to market conditions, a human-prepared account application, and a dedicated service team — not just a chatbot.
Cornerstone includes limited planning engagement. If you need comprehensive planning — estate, tax, multi-generational — our Comprehensive Wealth System is the right fit. You can upgrade at any time.
There's no published minimum. We evaluate each potential client on fit. If Cornerstone isn't appropriate for your situation, we'll tell you and suggest alternatives.
Yes, at any time and without penalty. You retain full ownership of your account at LPL; you simply terminate our advisory relationship and we stop billing.
Cornerstone is the foundational tier of our service hierarchy — the place where most investors begin a relationship with us. As your wealth and complexity grow, we have higher-touch services to grow with you.
Cornerstone Investment Management is an advisory service offered through Independence Square Advisors, a registered investment advisor. Investment advisory fees are 0.50% of assets under management annually, billed quarterly in advance. Underlying fund and ETF expenses are separate and disclosed in account statements. All investing involves risk including possible loss of principal. Past performance does not guarantee future results. Model portfolio descriptions are general; actual portfolios are constructed and rebalanced based on individual circumstances, account type, and current market conditions. Comparative information regarding robo-advisors and full-service advisory is provided for general educational purposes; specific competitor offerings, fees, and features may vary. Please refer to our Form ADV Part 2A for complete disclosures.
©2026 Skycity holdings Ltd | all rights reserved |
Investment advice offered through independence square holdings llc
150 S Warner Rd, Ste 300
King of prussia, PA 19406