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HeartStone Advisors works in a fiduciary capacity for all our clients - whether they're a corporate retirement plan or family. Our fees are simple and transparent - we charge an annual fee based on the assets we manage. That's it. No commissions, no sales charges, no B.S! For individuals, we offer a strong track record in retirement planning and asset management. For 401(k) plans and pensions, we're ERISA 3(38) managers, offering comprehensive solutions that significantly reduce liability for plan sponsors. We are investment fiduciaries who pride ourselves on providing independent, unbiased advice at costs that are competitive in today's heavily scrutinized investment industry.