Cornerstone Advisors offers a personalized combination of services and insights to affluent individuals and businesses, from identifying objectives, strategy and execution to wealth transfer and succession development. They also offer investment consulting, compensation planning, business improvement and human capital development for a wide variety of clientele. For more information about Cornerstone’s complete capabilities, visit the firm’s website at www.cornerstoneadvisors.com . A Member Firm of M Financial Group, Cornerstone Financial Consultants, Ltd. dba Cornerstone Advisors International is independently owned and operated. With more than 145 Member Firms in 40 States, the United Kingdom, and the United Arab Emirates, M Financial Group is one of the nation’s leading financial services design and distribution companies. Since 1978, M Financial’s network of independent insurance, investment and executive benefit firms have served the needs of ultra-affluent individuals, corporate executives, successful entrepreneurs and Fortune 1000 companies. For more information on M Financial Group, please visit www.mfin.com.