ONE ROOF® Capabilities Integrated Wealth Management

We save you time and hassle by integrating the solutions necessary to expertly manage your wealth – all under ONE ROOF®. As a member of Cogent Group and your concierge to the wealth management universe, we bring together experts and solutions to seamlessly craft one cohesive strategy. All your wealth management needs are met under ONE ROOF® - that’s Cogent.


Plan and Invest: Fiduciary Investment Management and Financial Planning via Cogent Independent Advisors to help you build your wealth.

    • Portfolio Management
    • Budgeting
    • Insurance Planning
    • Retirement Planning
    • College Savings Planning


High Net Worth and Ultra High Net Worth Solutions: Through Cogent Private Wealth, we offer Financial Planning and Fiduciary Investment Management with the necessary sophistication to serve your unique needs.

    • Private Investment Selection and Management
    • Tax Efficient Investment Strategies
    • Tax Planning
    • Estate and Charitable Planning
    • Legacy Planning
    • Employer Sponsored Retirement Plans


Manage Risk: Insurance Solutions via Cogent Risk Management. Representing dozens of insurers and both commission-free and traditional policy types in the areas of Life, Disability, and Long-Term Care insurance. Cogent Risk Management works with your Advisor to ensure you’re getting insurance that’s truly in your best interest.


Prepare Tax Returns: Tax Optimization and Tax Return Preparation via Cogent Tax Strategies. With your advisor working alongside Cogent Tax Strategies, your annual tax preparation is easy and cost effective. Cogent Tax Strategies only services the tax needs of Cogent clients.


Save and Spend

    • Cogent Executive Savings Account via Flourish - High Yield Savings with $6 Million of FDIC Insurance (link pdf to Flourish)
    • Mortgages, Credit Cards, and Securities-Based Lines of Credit
    • Checks, Debit Cards, and Bill Payment Service

Ensure Your Legacy: Estate Planning as well as Trust and Will creation through third party attorneys.

Investment Banking: You’ve built a great business, now it’s time to plan your exit strategy.

Real Estate 1031 Exchange: Solutions to help you defer capital gains from your real estate portfolio.

Disclosures: Cogent Independent Advisors, Inc., doing business as Cogent Private Wealth, along with Cogent Tax Strategies, LLC, and Cogent Risk Management, LLC, are affiliated entities. Cogent Independent Advisors, Inc. is a Registered Investment Advisor and does not provide tax or legal advice, except as incidental to investment advisory and financial planning services. Tax preparation services are offered through Cogent Tax Strategies, LLC. Legal services are provided by third-party partners. Certain solutions referenced herein may be offered through third-party custodians.

The essence of investment management is the management of risks, not the management of returns.
Benjamin Graham
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©2025 by Cogent Independent Advisors, Inc. Financial Planning and Investment Advisory Services provided by Cogent Independent Advisors, Inc. ("Cogent") dba Cogent Private Wealth, a Registered Investment Advisor and subsidiary of Cogent Group LLC. Cogent is neither a tax nor legal advisor.  Clients must consult their own tax and legal advisors prior to implementing any recommendations. Nothing on this page constitutes a recommendation for a particular investment or strategy. Nothing on this website constitutes a solicitation to buy or sell any specific security.  Cogent's home state is Florida, and can only do business with clients domiciled in states where first authorized or exempt from authorization. Cogent is not a licensed insurance agency. Cogent Tax Strategies LLC, Cogent Risk Management LLC, and Cogent Independent Advisors, Inc. are affiliated companies. Cogent Tax Strategies LLC and Cogent Risk Management are not  Registered Investment Advisors. Any phone numbers Cogent collects and any consent Cogent receives for marketing to you will not be shared with 3rd party providers. Cogent will never sell your personal data.  See our SMS Privacy Policy here.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.

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