You are Now Leaving the Cogent Independent Advisors Website and will be entering the Charles Schwab & Co, Inc ("Schwab") Website.

Schwab is a registered Broker-dealer, and is not affiliated with "Cogent Independent Advisors" or any advisor(s) whose name(s) appears on this Website.  Cogent Independent Advisors is independently owned and operated. Schwab neither endorses nor recommends Cogent Independent Advisors. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Cogent Independent Advisors under which Schwab provides Cogent Independent Advisors with service related to your account.  Schwab does not review the Cogent Independent Advisors' Website, and makes no representation regarding the content of the Website.  The information contained in the Cogent Independent Advisors Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.