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Definition: Clear, Logical & Convincing.


When Your Best Interest is Your Advisor's Only Interest -

That's COGENT.


We're a group of financial planners and investment advisors united behind the belief that your best interests must always come first.  Limiting conflicts of interest with you is paramount to ensuring this happens.  This is why we've adopted a fee-only business model.  This means we're commission-free advisors who don't sell products or answer to sales managers.  We only get paid by you - not sometimes or even most of the time - but all the time. This way we aren't tempted to recommend solutions that may pay us more.  Also, we are held to a fiduciary standard 100% of the time.  This means we are always obligated to place your best interests first.

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& Convincing



Expertise. Intuition. Ingenuity. Independence.

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Portfolio Management

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Life Insurance & Annuity Review

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Financial Planning


Sophisticated Services for the Wealthy

Investment Advice

Portfolio Management Services

Nurturing Your Account, Not Selling You Products -

That's COGENT.

Sound investment management starts with having a clear, unclouded vision.  As fee-only advisors, we can clearly focus on solutions that are in your best interest.  That's because we earn a set percentage based on your account value. Not a big, up-front commission from a product provider.  We are incentivized to nurture your account, not sell you a product.  If your account goes up, our earnings grow.  If your account goes down, we receive a pay cut. 


A Comprehensive, Independent Approach


We believe in constructing portfolios customized to your goals.  That includes consideration of risk tolerance, income needs, time horizon, asset level and investment experience. All while focusing on keeping investment expenses low. Also, our position as an independent wealth manager means we aren't pushed towards our firm's proprietary investments. We use the best-of-the-best, wherever they reside. To that end, our recommended portfolios combine the following types of non-proprietary investments on a case-by-case basis:

  • Individual Stocks

  • Individual Bonds

  • Exchange Traded Funds (ETF's)

  • Commission Free Mutual Funds

  • Commission Free Annuities

  • Alternative Investments via Commission Free Mutual Funds, Private Investment Funds, and ETF's

For Qualified Clients, Additional Solutions Recommended Through: 

Financial Planning

Financial Planning

Genuine Advice, Not a Sales Pitch -

That's COGENT.

Master Your Goals

A cornerstone of financial planning is the recognition that everyone's economic and life situation is unique. Financial planning is the process of deciding how to allocate current and future assets to best achieve competing financial goals. To do this, we use robust planning tools to perform quantitative and qualitative analyses of your situation. Next, we develop multiple "what if" scenarios based on your goals.  Then, we stress test them for real-world potential challenges, like paying for long term care and reduced Social Security benefits. The results provide realistic solutions you can begin using immediately. And since you're paying for your plan, rest assured you're receiving bona-fide advice that's in your best interest.  Not a thinly veiled sales presentation designed to sell you financial products.

Ready to Plan Your Financial Future?

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Prefer the Old Fashioned Way?  Here's Our Basic Fact Finder

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Life Insurance & Annuity Review

Changing the Insurance Game to Benefit You -

That's COGENT.



The Better Way


Until now, the insurance industry offered you high commission, complex products through highly conflicted sales people who weren't required to look out for your best interest.  That's definitely not COGENT.  Here's a secret - it doesn't have to be that way.

Our clients have access to a diverse selection of commission-free life insurance and annuity solutions from leading insurance companies.  Eliminating expensive commissions reduces expenses and/or improves benefits within these products.  That's a win for you, the consumer.

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Let's get started! We're excited to meet you!
We have offices in several states but often host virtual meetings with clients anywhere in the world!*

Regardless of where you live, we want to speak with you.

*Cogent can only do business with clients domiciled in states where it is registered or where it is exempt from registration.  Contact us for details.

Let's Start the Process

By Phone


(303) 835-9006


(805) 585-5424

​By providing a telephone number and submitting this form you are consenting to be contacted by SMS text message. Message & data rates may apply. You can reply STOP to opt-out of further messaging.

By E-Mail

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