Top Financial Advisors in Bethlehem, PA

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Cornerstone Advisors Asset Management is the top firm on our list. The firm doesn’t impose a set account minimum for its services, though it notes in its Form ADV that it has "target client sizes that vary dependent on advisor, client type, relationship and breadth of services." At its own discretion, the firm may choose not to work with a particular client outside of its target size.

Fittingly, this fee-based firm has a large staff. It collectively features such certifications as accredited investment fiduciary (AIF), chartered retirement plan specialist (CRPS), Certified Financial Planner™ (CFP®), Chartered Financial Analyst (CFA), chartered financial consultant (ChFC), financial paraplanner qualified professional (FPQP) and more.

Certain advisors at this firm can earn commissions from the sale of insurance products or securities. Despite the potential conflict of interest this creates, the firm is legally bound by fiduciary duty to act in clients' best interests at all times.

Cornerstone Advisors Asset Management began offering investment advice in 1998. Today, Cornerstone Benefits, Inc. (CBI) owns the firm, and it is in turn owned by Cornerstone employees.

Services include investment management, fiduciary consulting, retirement plan design and monitoring, planned giving management, private wealth advisory, financial planning and executive risk management programs. Clients can engage the firm for comprehensive solutions or for specific areas such as investment policy development, performance monitoring, risk assessment, plan sponsor support, or estate and tax planning needs.

Cornerstone Advisors Asset Management aims to build diversified portfolios that adhere to the client’s investment goals, tolerance for risk and other key factors. To determine the proper asset allocation for its clients, the firm also takes into account market conditions and available research. Using research compiled by major firms in the industry, the firm notes, “these are prognostications of what can be expected over the next five, 10 and 15 years from these sources and can vary significantly from historical measures.” The firm uses those sources to model out the returns it expects from particular portfolios.

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Valley National Advisers (VNA) is a large fee-based financial advisory firm that markets itself as "Valley National Financial Advisors." With a fee-based compensation model, some of the firm's representatives can receive commissions when they sell insurance products or trade securities. While this does represent a potential conflict of interest, the firm is legally bound by its fiduciary duty to act in your best interest at all times.

VNA has a $500,000 account minimum for new clients. Overall, the firm works mostly with non-high-net-worth individuals, though it also maintains advisory relationships with high-net-worth individuals and their trusts and estates, retirement plans, charitable organizations and businesses.

VNA was established back in 1985, making it the oldest advisory practice on this list. Chairman and founder Thomas M. Riddle is still with the firm and owns 100% of the business. The advisory team at VNA collectively holds several notable industry designations, including Certified Financial Planner™ (CFP®), certified public accountant (CPA), accredited estate planner (AEP) and more.

The firm manages portfolios on either a discretionary or non-discretionary basis and offers assistance with retirement planning, estate and tax considerations, insurance guidance and cash management solutions. They also provide retirement plan consulting, reviews of outside investment accounts and advice on private funds for qualified clients. VNA's approach includes ongoing portfolio reviews and adjustments based on client objectives, market performance and other relevant factors.

The firm's investment philosophy combines fundamental, technical and cyclical analysis. This means VNA assesses the long-term potential of an investment, tracks short-term market behavior and factors in economic cycles when building and adjusting portfolios. 

Those portfolios may include stocks, bonds, mutual funds, ETFs and cash, while certain clients may also be offered access to private investment funds or separately managed accounts. Overall, the firm emphasizes building diversified portfolios and providing comprehensive advice across many aspects of financial life.

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O’Hagan Group is a fee-based advisory firm that's been in business since 2021. The firm provides financial planning, consulting and discretionary investment management services to a client base of individuals and high-net-worth individuals. 

The firm assists clients with retirement planning, cash flow forecasting, estate and trust planning, insurance planning, as well as wealth transfer strategies. It also manages investment portfolios and advises on accounts such as retirement plans, annuities and 529 plans. Clients can work with the firm on a stand-alone basis for planning or engage in a broader wealth management relationship. 

Certain conflicts of interest exist where affiliated representatives may recommend products or services that generate additional compensation. However, the firm and its representatives have a fiduciary duty to act in clients' best interests when acting as their advisors.

O’Hagan Group constructs portfolios primarily with U.S. equities and ETFs, emphasizing large, financially strong Fortune 500 companies while incorporating some growth-oriented positions, particularly in technology. The firm applies both fundamental analysis and growth and value strategies, reviewing company balance sheets and performance each quarter. Portfolios are designed to align with each client’s objectives and risk tolerance, with an emphasis on long-term investing, though securities may be sold in response to market weakness.

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MTM Financial Group, established in 2008, provides advisory clients with portfolio management and financial planning. This fee-based firm develops individualized strategies that account for income, taxes, time horizon and risk tolerance. Its services include asset allocation, portfolio monitoring, and planning in areas such as retirement, education, taxes, insurance, and debt. Clients also receive educational resources like the firm’s newsletter.

The firm works with individuals, high-net-worth individuals, pension and profit-sharing plans, and nonprofit endowment plans. Accounts generally require a $100,000 minimum, though this may be waived. Financial planning is available separately and can be billed at a fixed or hourly rate.

The team at MTM Financial includes a Certified Financial Planner™ (CFP®), retirement income certified professional (RICP) and certified public accountant (CPA). However, advisors may earn commissions from selling certain securities or financial products. This arrangement creates a potential conflict of interest, and clients are informed that they may purchase recommended products through other brokers.

MTM applies charting, fundamental, technical and cyclical analysis in evaluating investments. Portfolios may include mutual funds, equities, bonds, ETFs, REITs, private placements, hedge funds, insurance products and government securities. The firm uses both long-term and short-term trading strategies and reviews accounts regularly. 

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Tiller Private Wealth was founded in 1996, making it one of the oldest advisory firms on this list. Tiller provides wealth management and financial planning services tailored to individual circumstances. Those services include guidance on 401(k) plans, employee stock options and other held-away assets. It also occasionally introduces accredited investors to alternative investments. 

The firm is fee-only and does not accept commissions for selling securities or investment products. Its minimum account size for investment management is generally $1 million, though fees may be negotiable under certain circumstances. Clients include individuals, high-net-worth individuals and charitable organizations. Financial planning services are available only to investment management clients, and additional fees may apply.

The Tiller team includes advisors wealth managers and planners who hold the Certified Financial Planner™ (CFP®), chartered retirement planning counselor (CRPC), chartered retirement plans specialist (CRPS), accredited asset management specialist (AAMS), accredited wealth management advisor (AWMA) and finanical paraplanner qualified professional (FPQP) credentials.

Tiller’s investment philosophy emphasizes long-term asset allocation, diversification and risk management. Portfolios are primarily built from mutual funds and ETFs, with selective use of individual stocks, fixed-income securities and, in some cases, alternative investments. The firm seeks to reduce risk through diversification, maintain tax efficiency and balance costs with potential returns.

Its approach favors cost-conscious strategies such as low-cost ETFs while incorporating actively managed funds when justified. Overall, Tiller focuses on constructing diversified, objective portfolios designed to preserve capital, generate income and achieve growth consistent with each client’s goals.

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KeyVantage Wealth, founded in 2024, provides financial planning and investment advisory services to individuals and high-net-worth individuals. More specifically, the firm looks to help clients with retirement, education, estate, cash flow, asset protection and tax planning. 

It also offers discretionary and non-discretionary portfolio management, tailoring services to each client’s goals, circumstances and risk tolerance. In some cases, it may recommend third-party managers, while continuing to oversee those allocations to ensure alignment with client objectives. The firm requires a $500,000 account minimum but may waive it at its discretion. Clients using financial planning services may instead pay flat or hourly fees, with a maximum flat fee of $15,000.

Members of the KeyVantage Wealth team hold a variety of financial certifications, including the Certified Financial Planner™ (CFP®), Chartered Financial Analyst (CFA), certified public accountant (CPA), enrolled agent (EA) and chartered alternative investment analyst (CAIA) designations.

KeyVantage is a fee-only advisor, meaning it does not accept commissions for securities or insurance transactions. Its fees are charged as a percentage of assets under management, with tiered rates that decrease for larger account sizes. In managing investments, the firm relies on a combination of fundamental, technical, cyclical and economic analysis. 

Portfolios generally include mutual funds, ETFs, equities, bonds, REITs, private funds, government securities and derivatives when appropriate. Its approach balances long-term and short-term purchases while applying strategic asset allocation to diversify across asset classes. While investment recommendations are designed to align with each client’s financial plan, the firm emphasizes that all investing involves risk, including potential loss of principal.

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Liberty Square Wealth Partners wraps up our list of the top financial advisors in Bethlehem. Founded in 2024, Liberty Square is tied with Keyvantage Wealth Advisors as the youngest firm on this list. 

Liberty Square provides wealth management, financial planning and retirement plan advisory services to clientele that currenlty only includes individuals and high-net-worth individuals. However the firm offers services to businesses and retirement plans, as well. 

The team at Liberty Square includes advisors who hold the Certified Financial Planner™ (CFP®), chartered retirement planning counselor (CRPC), chartered financial consultant (ChFC), accredited asset management specialist (AAMS) and chartered mutual fund counselor (CMFC) designations.

The firm's financial planning offering can address investment planning, retirement, education savings, personal savings, insurance needs and other areas of a client’s financial life. Liberty square generally does not impose a minimum relationship size. However, Liberty Square is fee-based because its advisors may earn commissions from insurance sales or brokerage activities in addition to advisory fees. While this creates potential conflicts of interest, the firm has a fiduciary responsibility to put its clients' interests ahead its own. 

Liberty Square follows a long-term, goals-based investment philosophy, employing fundamental and technical analysis to guide decisions. Portfolios are primarily built using ETFs and mutual funds, with possible use of individual stocks, bonds and unaffiliated managers. The firm focuses on selecting low-cost, appropriate share classes and periodically rebalancing or reallocating holdings to align with the client's objectives and risk tolerance.