A BOOK MOVING ON YOUR SCHEDULE, AROUND YOUR COMFORT LEVEL AND CLIENT
Sixty plans or six. The process scales.
Several of our advisor partners started with one plan and moved their entire book over time. Around 99% of plans are on calendar year renewal, so transitions happen cleanly at year end rather than scattered through it. That means the pace is genuinely yours: you decide how many move this January and how many wait for the next. Most books are fully across within two years. There is no cliff, no forced timeline, and no pressure.
OWNERSHIP
Independent. For life.
Good independent shops are rare, and the industry is better with more of them, not fewer. Unless there is a real service problem, we are not thrilled to take a book from another independent TPA.
If your favorite TPA was acquired by private equity, that is another story entirely.
Cornerstone is not for sale. The model you see today will scale but it will not change.
Advisors rarely switch TPAs because of price.
They switch because of moments like these.
“My old TPA was brilliant with clients, but now I have someone I’m embarrassed to put in front of my client.”
“The final numbers were way different than the proposal, and I found out in a surprise call from my client.”
“The service rep changes every year. Sometimes more than once.”
“My TPA was acquired and now I never know who I’m supposed to contact about what. And frankly, neither do they.”
“My TPA said ‘we can’t do that’ to a design. Or worse: ‘we aren’t taking those plans anymore.’”
“My TPA was acquired and now I feel like I’m in line at the DMV.”
If any of those sound familiar, the real question isn’t whether switching is worth the effort. It’s how much the current situation is already costing you.