©2018 by Cogent Independent Advisors, Inc.. Financial Planning and Investment Advisory Services provided by Cogent Independent Advisors, a Registered Investment Advisor. Nothing on this website constitutes a solicitation to buy or sell any security.  Cogent can only do business with clients domiciled in states where authorized or exempt from authorization. Cogent Independent Advisors is not a licensed insurance agency.

Resources

Transparency

It's just what we believe in.  Below are all the forms you'll need in order to know exactly what you're signing up for.  No fine print around here.

That's COGENT.

Financial Planning

Basic Fact Finder

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This form is used to collect information for use in a financial plan.  We ask you about your goals & concerns, your assets, liabilities and insurance policies, your risk tolerance and your budget.

Financial Planning

Planning Agreement

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This form is the contract you sign when buying a financial plan or signing up for coaching services.

Investment Advisory

COGENT Application

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This form collects regulator required data for each investment advisory client COGENT has.

Investment Advisory

Advisory Agreement

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This is the contract between you and COGENT laying out the terms of the advisory relationship.  Schedule A within this document governs the advisory fees and investment objectives for each account.

All Services

Form ADV 2A & 2B

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This document is the main disclosure document required by law to be provided to each client.  It details all required client disclosures for both COGENT and Kristopher Schnell, the owner.

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Form ADV 2B - Deborah Ellis

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This document is the disclosure document required by law to be provided to each client working with Deborah Ellis.  It details all required client disclosures for Ms. Ellis.

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Form ADV 2B - Bill Fried

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This document is the disclosure document required by law to be provided to each client working with Bill Fried.  It details all required client disclosures for Mr. Fried.

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Privacy Policy

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This document details our policies on the data we collect from you and how it is handled.