We are proud to offer our many years of experience at major Wall Street wealth and insurance institutions in a setting where we can focus on our clients without the distractions prevalent at those entities (see The Cogent Way). We are fee-only advisors that earn a set percentage based on our client's account value. Since our advisors can't earn commissions, they aren't sidetracked by what a certain investment pays them. Their only concern is it's potential ability to help their client's accounts grow. We believe in only taking on the risk necessary to achieve a particular goal. That's why we recommend beginning the investment process with a customized financial plan for each client. This helps us decide with the client what risk level to use in pursuing each of their goals.