Cobalt Financial Partners LLC

Cobalt Financial Partners provides portfolio management and financial planning to individuals, high‑net‑worth clients, and corporations or business entities, and also works with pension/profit‑sharing plans and institutional clients — client types that are less common among similar independent advisers. Services include creating individualized Investment Policy Statements, ongoing asset allocation and rebalancing, and recommendations across mutual funds, ETFs (including precious metal and real estate funds), equities and fixed income.

The firm’s investment approach emphasizes modern portfolio theory and long‑term trading, with tailored investment policy statements and model portfolios used to align allocations with client goals and risk tolerance. Unlike most peers, CFP reports that virtually all assets are managed on a non‑discretionary basis, so clients retain final trading authority and the firm conducts periodic reviews and rebalancing rather than exercising investment discretion.

CFP operates through the custodial and broker‑dealer platform of LPL Financial and the firm’s adviser is also active as a registered representative and insurance agent, a structure that produces commissionable opportunities and access to LPL research and practice‑management support. A firm principal has received a substantial loan from LPL whose forgiveness is conditioned on continued affiliation, which the brochure discloses as a potential conflict of interest that could influence custodian recommendations.