Long-Term Financial Strategies For the Construction Industry & Their Families
Cornerstone Wealth Consulting Services, LLC is a fee-based financial planning and wealth management firm based in Beverly, Massachusetts, serving the Greater Boston area and beyond. We proudly work with individuals, families, business executives, and family-owned & closely held businesses in the construction industry. Our goal is to help organize, inform and provide guidance for the financial opportunities and challenges you may face in your life.
Helping You Understand & Build Your Wealth for Generations to Come
With our deep understanding of family wealth management and the experience of helping family-owned and closely-held businesses, we’ll work with you to:
Prepare for the Future
Accumulate
Wealth
Manage
Risk
At Cornerstone Wealth, we take a comprehensive planning approach to help create a financial strategy that works on your terms. Together, we’ll devise a plan that aims to take care of you, your family, your business and your legacy.
Dedicated to Providing Value & Service Beyond the Numbers
Our Clients Are at the Core of the Services We Provide
Cornerstone Wealth Consulting Services, LLC is an independent and privately-owned financial advisory firm dedicated to helping contractors build wealth and protect their family businesses for generational growth.
Experience the Difference Custom Wealth Strategies Can Make for You and Your Loved Ones
As your financial partner, we’re committed to the Registered Investment Advisor (RIA) model and its fiduciary obligation to act in the best interest of our clients. We’re driven by our fee-for-service, Personal CFO model in which we position ourselves as your trusted advisor, coach and advocate. Whether you’re an individual contractor or running a family business, we’ll address your unique needs and design a strategy that focuses on your goals.
Together, we'll work to:
Align Your Money with Your Vision
Help Maximize Your Financial Benefits
Do More with Your Money and Your Life
It's not hard to make decisions when you know what your values are.
Coming from a long line of family-owned construction company owners, I founded Cornerstone Wealth Consulting Services, LLC to help those with similar backgrounds better understand and build wealth for future generations. The vision of our firm is to help revolutionize how the financial services industry serves contractors and their family businesses. With that motivation in mind, I work every day to proactively communicate with clients and bring new ideas to their financial experience.
A graduate of Mount Ida College, I earned my B.S.B.A. and began working in the financial industry in December of 2009. I have spent most of my career in middle management as a director, gaining experience running sales teams for some of the largest insurance-based broker-dealers. I am pursuing the ChFC® and CFP® designations from the American College of Financial Services. Additionally, I am involved with the NAIFA (National Association of Insurance and Financial Advisors) and 20|30 Club Committee, a sub-association of the Mass Builders Congress.
I live in Beverly, Massachusetts, and enjoy spending time with my family. Outside of work, you might find me on the field coaching high school football for the Essex Tech Hawks, in the gym, or enjoying a round of golf. My other interests include Boston sports teams, listening to podcasts, cooking, and traveling.
Since Jason has overseen my financial matters, he has provided me with an organized plan for both now and the future. He has shown me the confidence necessary to relieve me of much worry, which has also allowed me to feel satisfied in my search for accomplishment and comfortability for my retirement years.
I have had Jason Berube as my financial advisor for over 13 years now. He has always given me the space to ask important financial questions and has given solid insight throughout to ensure that I am thinking both short and long term fiscally. I feel like my best interests are also his, which is not all that common in today's norm.
- James Beckland EMt & site medic | Founder & CEO, beckland medic llc
I’ve had the pleasure of having Jason Berube as my financial advisor. He works hard to make sure my finances are taken care of. He breaks everything down for me to fully understand what is happening with my finances. I trust him to have my best interest in mind when working on my financial investments. You will be satisfied with Jason as your financial advisor.
- Marvin loiseau eD.D | Chief Academic officer, benjamin franklin institute of technology
I’ve worked with Jason Berube for over 10 years because I find his professionalism, knowledge and expertise to be unmatched. If he doesn’t have an answer, he gets it. He never pressures you and explains everything verbally and written. My wife and I are both clients personally as well as my businesses. We are more than pleased with his services. Jason gets life’s curveballs. I look forward to many more years together and I am excited about his new venture and we will be with him every step of the way.
- John Roberto IV | Owner & President, Roberto bros. Landscaping
Why Work With Cornerstone Wealth Consulting Services, LLC?
We Take a Values-Based
Wealth Management Approach
The philosophy behind our approach is that financial decisions are made at three levels.
These include:
Transactional
Focusing on features or the price of products.
Process-Focused
Discussing information such as tax laws and financial models.
Core Values
Core beliefs that serve as compasses for behavior.
While all three of these factors are important, we know that features and prices of products, as well as information and tax laws, will evolve over time. However, at Cornerstone, we believe that values do not change, only the implementation of them matures.
Impactful Decisions are Based on Core Values
At Cornerstone, we work with clients to identify their values and determine if their behavior is aligned with what is truly important in their lives. We believe making values-based financial decisions is more sustainable in the long run than if made at the transactional or process-focused level.
We’ll Work With You To Build and Protect Your Wealth
Cornerstone Wealth employs a five-point process to help develop and implement integrated strategies to address a family’s particular needs.
Our Planning Process
01.
Discovery
We’ll begin with an introductory meeting to introduce ourselves and discover who you are, what your goals consist of and what your finances look like.
02.
Develop Goals
Upon determining a good fit, we’ll meet virtually or in-person to further establish your needs, goals and how we can help you achieve them.
03.
Family Wealth Plan
Next, we’ll take a closer look at your current financial standing as we gather information relevant to your circumstances and develop your personalized financial plan.
04.
Implementation
Once we’ve developed your custom strategies and solutions based on your objectives, we’ll implement the details and ensure every piece suits your goals and level of risk.
05.
Review & Monitor
Over time, we’ll meet with you regularly to ensure your plan is meeting your needs. Additionally, we will make adjustments as needed based on any life changes you may experience.
Helping Multi-Generational Families Build Generational Wealth & Protect Their Family Businesses
Life in a Box
0 seconds of 1 minute, 54 seconds, Volume 90%
Press shift question mark to access a list of keyboard shortcuts
Keyboard Shortcuts
Play/PauseSPACE
Increase Volume↑
Decrease Volume↓
Seek Forward→
Seek Backward←
Captions On/Offc
Fullscreen/Exit Fullscreenf
Mute/Unmutem
Seek %0-9
Live
00:00
00:00
01:54
Family Office Experience
At Cornerstone Wealth, we serve as your Personal CFO.
As an accomplished individual or family, you’re seeking guidance in aligning your assets, liabilities and cash flow with your personal and business values. Our partnership is built to maximize your impact, net worth and overall quality of life, so you can devote more time and energy toward your family and the things that matter most.
We understand the complexities of managing family wealth and the expertise it requires to execute a multi-generational wealth strategy. That’s why we take a holistic look at your finances and coordinate all aspects of your circumstances under one roof.
It’s not about what you make, it’s about what you keep. Cornerstone Wealth can work directly with your accountant to build a plan before the year starts to ensure we are executing for 365 days every year, minimizing your taxes to the largest degree possible. There are many advanced strategies that can be implemented to lower your tax bill and put more dollars in your pocket and/or into your investments.
Cornerstone Wealth Consulting Services, LLC does not provide accounting, tax, or legal advice. You should always consult with your tax professional with regard to specific tax questions and obligations.
Generations of families and businesses have provided us with a unique perspective on complex wealth and management strategies. As such, we offer customized, goals-based planning to help you preserve and grow your wealth.
There are many options to pay for college including income, loans, investments and college savings plans (529s). Together, we’ll design a plan that works for you and the goals you have in mind.
As a small business owner, we’ll work with you to align your assets, liabilities, and cash flow with your personal and business values. Our partnership is meant to maximize your impact, net worth and overall quality of life, so you can dedicate more time and energy to the things that matter most.
We operate an in-house insurance agency protecting your family, life and business interests. We review your insurance annually - health, life, disability, long-term care, home, auto, and liability. All of them. We'll provide recommendations to make sure you're adequately protected and not overpaying.
It’s time to re-think what a financial professional can do for your business.
For too long, the financial services industry has fallen short when serving business owners, like you. From pitching insurance products and retirement strategies to persuading you to hand over your hard-earned profits to invest in the stock market, there has been no shortage of sales methods brought to the table.
We get it - the last thing you want is another vendor. This is why at Cornerstone Wealth, we consider ourselves a true partner. Our passion for helping you grow your revenue, reduce your expenses and optimize your tax situation is endless. You’re looking for someone to serve as a financial “thinking partner,” and we’re here to help you maximize every dollar that flows through your company.
Here Are a Few Ways We Help:
Organize and Track Your Finances. We create systems to help our clients track and analyze assets, liabilities, income, and expenses. You’ll know exactly what to expect at all times, so you can make quick decisions with confidence.
Tax Reduction Strategies. We’ll get to know your business inside and out to identify opportunities to reduce your tax bill. Our goal is to make sure you’re not leaving money on the table, so you can be free of that “fear of missing out” feeling.
Next Dollar Planning. Having a great quarter means having to decide where to place the extra cash back into the business, home projects, college, or real estate? We will help you decide how to allocate that money, so you can maximize it’s impact on you, your family, and your business.
Vendor Vetting. As a business owner, you are constantly being pitched products and services. As your “financial thinking partner,” we’ll run interference for you by vetting potential service providers, so you can focus on your business and be prudent with your profits.
Financial Advisor “Normalcies”. Insurance selections, retirement plan setup, employee benefits, investment accounts, wills/trusts, etc. We have helped hundreds of businesses successfully implement these various financial elements. And, if you already have an investment or insurance professional, we’ll act as a second set of eyes to keep them honest. If not, we can include these types of services in our engagements, so that all of your boxes are checked.
Discover How We've Helped Businesses Just Like Yours
We offer 3 unique opportunities to experience our process. As a fee-for-service fiduciary firm, we charge one flat rate for all wealth coaching and planning services. Fees are paid monthly, quarterly, or annually through an ACH. We also provide hourly or project-based advice for clients with unique needs.
Service Tier
Foundations - $3,600/yr+
Service Line
Blueprint:
Individuals or families looking to grow & low-complexity households
Most Appropriate for Those…
Who are individuals or families in the construction industry looking to build wealth.
With income and/or assets above $100,000.
Who have little/or no self-employment, K1 or 1099 income.
Early in their wealth journey or with a low level of complexity.
Married = $800 additional.
Service Tier
Compass - $7,500/yr+
Service Line
Wealth Builder:
Motivated Construction Entrepreneurs, Business Executives, & Self-Employed Income Households
Most Appropriate for Those…
Who are individual contractors or small business owners with 1-2 employees and are looking to grow or exit the business.
Who have a high-net-worth and complexities to their finances.
With K1 or 1099 income exceeding $100,000.
With household income between $300,000 - $400,000 and/or assets above $300,000.
With income from more than one entity.
Who Utilizes a self-employment retirement plan.
Already in the building years of their wealth journey with a moderate level of complexity.
Who desire written financial and business goal-planning advice.
Service Tier
Cornerstone - $15,000/yr+
Service Line
Personal CFO:
Family-Owned & Closely Held Businesses with Significant Business and Tax Complexity
Most Appropriate for Those…
Who own multiple small businesses or a family business they are seeking to grow or exit.
Who have many employees and interconnected professional relationships with one or many members of their family.
Who require integration of their other professional advisors (legal, tax, insurance, etc.).
Who utilizes a company retirement plan.
With household income between $500,000 - $1,000,000 and/or assets above $500,000.
With two or more tax returns.
Who have much complicated, frequent and advanced planning topics related to money and their business.
Looking to craft their legacy strategy with a high level of complexity.
Who wants written financial and business goal-planning advice.
*Pricing is subject to change depending upon the complexity and scope of the plan, your financial situation, and your objectives.
Some factors that increase complexity include, but are not limited to, business balance sheet and cash flow, self-employment, business income/sale, closely held business, trusts in estate planning, and multiple owners and/or multiple business entities and succession planning needs.
While we are based in Beverly, Massachusetts, we enjoy meeting with clients in person, locally for coffee or virtually based on your needs and preferences. Schedule time to talk with a Cornerstone Wealth Consultant today or use the submission form below to get started.
Prepare for the Future
Accumulate
Manage
