# EDGAR Filing Document

**Accession Number:** 0001587867
**File Stem:** 0002085853-25-000066
**Filing Date:** 2025-10
**Character Count:** 10153
**Document Hash:** ec83f9d2c33e933bf2420ccd59834d62
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002085853-25-000066.hdr.sgml**: 20251010

**ACCESSION NUMBER**: 0002085853-25-000066

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251010

**DATE AS OF CHANGE**: 20251010

**EFFECTIVENESS DATE**: 20251010

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Cornerstone Management, Inc.
- **CENTRAL INDEX KEY:** 0001587867

**ORGANIZATION NAME:**
- **EIN:** 581788499
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23212
- **FILM NUMBER:** 251387822

**BUSINESS ADDRESS:**
- **STREET 1:** 3237 SATELLITE BOULEVARD
- **STREET 2:** SUITE 400
- **CITY:** DULUTH
- **STATE:** GA
- **ZIP:** 30096
- **BUSINESS PHONE:** 770-449-7799

**MAIL ADDRESS:**
- **STREET 1:** 3237 SATELLITE BOULEVARD
- **STREET 2:** SUITE 400
- **CITY:** DULUTH
- **STATE:** GA
- **ZIP:** 30096

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Financial Advisory Consultants, Inc.
- **DATE OF NAME CHANGE:** 20130926

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Cornerstone Management Inc.<br>**Address:** 3237 SATELLITE BOULEVARD<br>SUITE 400<br>DULUTH, GA 30096

**Form 13F File Number:** 028-23212

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Lisa Smith<br>**Title:** Chief Compliance Officer<br>**Phone:** 770-449-7799

**Signature, Place, and Date of Signing:**

/s/ Lisa Smith  Duluth, GA  10-10-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 63

**Form 13F Information Table Value Total:** $604705780

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AFLAC INC | COM | 001055102 |  | 963266 | 8624 | SH |  | SOLE |  | 0 | 0 | 8624 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 2262915 | 22736 | SH |  | SOLE |  | 0 | 0 | 22736 |
| APPLE INC | COM | 037833100 |  | 281876 | 1107 | SH |  | SOLE |  | 0 | 0 | 1107 |
| BANK AMERICA CORP | COM | 060505104 |  | 526218 | 10200 | SH |  | SOLE |  | 0 | 0 | 10200 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 8296200 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 8101153 | 16114 | SH |  | SOLE |  | 0 | 0 | 16114 |
| COCA COLA CO | COM | 191216100 |  | 828516 | 12493 | SH |  | SOLE |  | 0 | 0 | 12493 |
| CSX CORP | COM | 126408103 |  | 257874 | 7262 | SH |  | SOLE |  | 0 | 0 | 7262 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 10142646 | 210472 | SH |  | SOLE |  | 0 | 0 | 210472 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 289612 | 2340 | SH |  | SOLE |  | 0 | 0 | 2340 |
| ELEVATION SERIES TRUST | SOVEREIGNS CAPIT | 210322202 |  | 16495811 | 544711 | SH |  | SOLE |  | 0 | 0 | 544711 |
| ELI LILLY  CO | COM | 532457108 |  | 380779 | 499 | SH |  | SOLE |  | 0 | 0 | 499 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 542778 | 7110 | SH |  | SOLE |  | 0 | 0 | 7110 |
| FIRST TR EXCHANGE-TRADED FD | WTR ETF | 33733B100 |  | 1624357 | 14458 | SH |  | SOLE |  | 0 | 0 | 14458 |
| GLOBAL PMTS INC | COM | 37940X102 |  | 853980 | 10279 | SH |  | SOLE |  | 0 | 0 | 10279 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 703264 | 8676 | SH |  | SOLE |  | 0 | 0 | 8676 |
| GLOBAL X FDS | GLOBX SUPDV US | 37950E291 |  | 207469 | 11728 | SH |  | SOLE |  | 0 | 0 | 11728 |
| GLOBE LIFE INC | COM | 37959E102 |  | 1248986 | 8736 | SH |  | SOLE |  | 0 | 0 | 8736 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 1635472 | 12094 | SH |  | SOLE |  | 0 | 0 | 12094 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 5417174 | 82178 | SH |  | SOLE |  | 0 | 0 | 82178 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 337605 | 7968 | SH |  | SOLE |  | 0 | 0 | 7968 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 589486 | 2817 | SH |  | SOLE |  | 0 | 0 | 2817 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 326951 | 698 | SH |  | SOLE |  | 0 | 0 | 698 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 8636303 | 147076 | SH |  | SOLE |  | 0 | 0 | 147076 |
| ISHARES TR | RESIDENTIAL MULT | 464288562 |  | 1685635 | 19838 | SH |  | SOLE |  | 0 | 0 | 19838 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 22747640 | 243629 | SH |  | SOLE |  | 0 | 0 | 243629 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 276476 | 1358 | SH |  | SOLE |  | 0 | 0 | 1358 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 4549616 | 32017 | SH |  | SOLE |  | 0 | 0 | 32017 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 41052676 | 409503 | SH |  | SOLE |  | 0 | 0 | 409503 |
| ISHARES TR | U.S. UTILITS ETF | 464287697 |  | 283794 | 2559 | SH |  | SOLE |  | 0 | 0 | 2559 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 5249873 | 68429 | SH |  | SOLE |  | 0 | 0 | 68429 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 5979177 | 158263 | SH |  | SOLE |  | 0 | 0 | 158263 |
| ISHARES TR | MBS ETF | 464288588 |  | 12002317 | 126141 | SH |  | SOLE |  | 0 | 0 | 126141 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 4767795 | 42772 | SH |  | SOLE |  | 0 | 0 | 42772 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 95099400 | 1874619 | SH |  | SOLE |  | 0 | 0 | 1874619 |
| MICROSOFT CORP | COM | 594918104 |  | 375589 | 725 | SH |  | SOLE |  | 0 | 0 | 725 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 876927 | 4700 | SH |  | SOLE |  | 0 | 0 | 4700 |
| PACER FDS TR | DATA AND INFRAST | 69374H741 |  | 1943664 | 61353 | SH |  | SOLE |  | 0 | 0 | 61353 |
| PACER FDS TR | INDUSTRIAL RELET | 69374H766 |  | 841187 | 22605 | SH |  | SOLE |  | 0 | 0 | 22605 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 348423 | 1910 | SH |  | SOLE |  | 0 | 0 | 1910 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 271256 | 1350 | SH |  | SOLE |  | 0 | 0 | 1350 |
| SOUTHERN CO | COM | 842587107 |  | 360032 | 3799 | SH |  | SOLE |  | 0 | 0 | 3799 |
| SOUTHSTATE BK CORP | COM | 84472E102 |  | 465085 | 4704 | SH |  | SOLE |  | 0 | 0 | 4704 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 442205 | 1244 | SH |  | SOLE |  | 0 | 0 | 1244 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 303779 | 456 | SH |  | SOLE |  | 0 | 0 | 456 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 13760263 | 454284 | SH |  | SOLE |  | 0 | 0 | 454284 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 1045880 | 30861 | SH |  | SOLE |  | 0 | 0 | 30861 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 21117498 | 684300 | SH |  | SOLE |  | 0 | 0 | 684300 |
| TESLA INC | COM | 88160R101 |  | 335319 | 754 | SH |  | SOLE |  | 0 | 0 | 754 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 305319 | 6678 | SH |  | SOLE |  | 0 | 0 | 6678 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 313991 | 4222 | SH |  | SOLE |  | 0 | 0 | 4222 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 376513 | 1223 | SH |  | SOLE |  | 0 | 0 | 1223 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 96428571 | 517071 | SH |  | SOLE |  | 0 | 0 | 517071 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 5686219 | 19358 | SH |  | SOLE |  | 0 | 0 | 19358 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 6242934 | 29912 | SH |  | SOLE |  | 0 | 0 | 29912 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 158562424 | 330607 | SH |  | SOLE |  | 0 | 0 | 330607 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 9052113 | 30415 | SH |  | SOLE |  | 0 | 0 | 30415 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 16540523 | 50402 | SH |  | SOLE |  | 0 | 0 | 50402 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 264170 | 1130 | SH |  | SOLE |  | 0 | 0 | 1130 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2697807 | 12502 | SH |  | SOLE |  | 0 | 0 | 12502 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 214490 | 533 | SH |  | SOLE |  | 0 | 0 | 533 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 230990 | 1677 | SH |  | SOLE |  | 0 | 0 | 1677 |
| WESTERN MIDSTREAM PARTNERS L | COM UNIT LP INT | 958669103 |  | 657519 | 16735 | SH |  | SOLE |  | 0 | 0 | 16735 |

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