Malcolm L. Cowen
CORNERSTONE ADVISORS ASSET MANAGEMENT | President
BETHLEHEM, PA 18018
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CRD#: 1013493
Professional summary
Malcolm Lee Cowen, AIF®, CFP®, who also goes by Malcolm L Cowen II, Malcolm Lee Cowen Ii, is a registered financial advisor currently at CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC located in Bethlehem, Pennsylvania and M HOLDINGS SECURITIES, INC. located in Bethlehem, Pennsylvania.
Malcolm is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1981. Malcolm has worked at 9 firms and has passed the Series 63, Series 52TO, SIE, Series 7, Series 6, Series 53 and Series 24 exams.
Biography
Skip has nearly 40 years of industry experience and is a co-founder of Cornerstone Advisors Asset Management and Cornerstone Institutional Investors. As Cornerstone’s President, Skip works with institutional clients and wealthy families to help design, implement and monitor portfolios on their behalf. He is the Chair of Cornerstone’s Investment Policy Committee, which oversees all client assets. Skip has direct responsibility for client relationships as well as the overall direction of the firm. He became President in 2002 and before that served as Chief Compliance Officer. Skip has spoken at a number of industry conferences and is an active member of various advisory groups.
Skip loves to golf, fish and vacation in the Bahamas. He received a B.A. in Business Administration from Gettysburg College, a MBA in Business Administration from Lehigh University and a Masters in Taxation from Villanova Law School.
Question & Answer
What are your service offerings?
Institutional consulting
What is your current number of clients?
Greater than 100
What is your minimum asset requirement?
1M
Are you a "fiduciary"?
Yes
Aliases
Malcolm L Cowen Ii | Malcolm Lee Cowen Ii
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
(1) M Holdings Securities, Inc.; Portland, OR; Broker Dealer; Investment-Related; Registered Representative; duties include Consulting; started 1/2011; 5% of time; 5% of time during trading hours (2) Cornerstone Institutional Investors, LLC; Bethlehem, PA; Insurance Agency; Investment-Related; President/Manager; started 11/1997; 5% of time; 5% of time during trading hours (3) Cornerstone Advisors Asset Management, LLC; Bethlehem, PA; Investment Advisor; Investment-Related; President/Manager; started 11/1997; 90% of time; 90% of time during trading hours (4) Cornerstone Benefits, Inc.; 74 W. Broad St Suit 340 Bethlehem PA 18018; Insurance; Investment Related; President; Strategic planning and investment consulting; 01/01/2000; 160 hours per month; 160 hours per month during trading hours. (5) M Financial Investment Advisory Board; Portland, OR; Investment-Related; Board Member; Started 11/2013; 2 hours per month; 0 hours during trading hours; Governance of Investment Board (6) Gettysburg College; Gettysburg, PA; Non-Profit College; Investment-Related; Trustee and Finance Committee member; Started 11/2013; 2 hours per month; 0 hours during trading hours; duties include governance of endowment funds
CRS (Client Relationship Summary) - RIA
Click below to view Malcolm Lee Cowen's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 1989
Education
1987 - 1996
Business Administration
1981 - 1987
Business Administration
1977 - 1981
Experience
Current
February 9, 2006 - Present
CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC
Office #1: 74 West Broad Street Suite 340, Bethlehem, PA 18018RIA
CRD#: 138638
BETHLEHEM, PA
Current
January 3, 2011 - Present
M HOLDINGS SECURITIES, INC.
Office #1: 74 West Broad Street Suite 340, Bethlehem, PA 18018RIA
BD
CRD#: 43285
Bethlehem, PA
Past
July 8, 2004 - December 31, 2017
CORNERSTONE INSTITUTIONAL INVESTORS, INC.
RIA
CRD#: 44664
BETHLEHEM, PA
Past
January 4, 1999 - March 2, 2006
YCS ASSET MANAGEMENT, INC.
RIA
CRD#: 109504
BETHLEHEM, PA
Past
June 24, 1998 - February 22, 2011
CORNERSTONE INSTITUTIONAL INVESTORS, INC.
BD
CRD#: 44664
BETHLEHEM, PA
Past
November 26, 1996 - April 28, 2010
CORNERSTONE FINANCIAL CONSULTANTS LTD
RIA
CRD#: 105405
ALLENTOWN, PA
Past
March 11, 1996 - July 6, 1998
MUTUAL SERVICE CORPORATION
BD
CRD#: 4806
BOSTON, MA
Past
October 27, 1989 - March 11, 1996
RAYMOND JAMES FINANCIAL SERVICES, INC.
BD
CRD#: 6694
ST. PETERSBURG, FL
Past
May 6, 1987 - November 8, 1989
INTEGRATED RESOURCES EQUITY CORPORATION
BD
CRD#: 6403
Past
November 20, 1981 - May 12, 1987
CINCINNATI ANALYSTS, INC.
BD
CRD#: 5478
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
CA
CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC
CAAM ACQUISITION CO., INC. | CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC | CORNERSTONE ADVISORS ASSET MANAGEMENT INC.
CRD#: 138638 / SEC#: 801-65091
RIA
Registered Investment Advisory firm - (1/4/2006 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Maine(1/2/2025)
IAR
Pennsylvania(2/9/2006)
RR
Pennsylvania(1/7/2011)
Exams
State Security Law Exam
General Industry/Product Exam
RR
Series 52TO
Date: 9/25/2025
Municipal Securities Representative ExaminationGeneral Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Principal/Supervisory Exam
Principal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
CA
CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC
CAAM ACQUISITION CO., INC. | CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC | CORNERSTONE ADVISORS ASSET MANAGEMENT INC.
CRD#: 138638 / SEC#: 801-65091
RIA
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Contact information
Main Address
74 West Broad Street, Suite 340, Bethlehem, PA 18018
Mailing Address
Phone number
(610) 694-0900
Established
Firm type
Fiscal year end
# of Employees
33
SEC notice filing (18 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 1,841 |
| AUM (Assets Under Management) | $ 8,299,028,636 |
Red Flags
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Company Information
CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC
PresidentCRD#: 138638Bethlehem, PA 18018TRUST BUT VERIFY
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Contact information
(xxx) xxx-xxxx
xxxxx@xxxx.xxx
