Cogent Independent Advisors, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$112,445,743
Clients
238
38% high-net worth
Advisors
1
of 6 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
238
Very HighAverage account size
$472,461
About
Cogent Independent Advisors, Inc. (dba Cogent Private Wealth) provides financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses and reports managing roughly $112 million in client assets on a discretionary basis. Its service mix includes discretionary and non-discretionary portfolio management, financial planning, access to alternative and private investments, and a third-party cash-management solution (FlourishCash).
The firm documents client objectives in Investment Policy Statements and uses fundamental, technical and cyclical analysis when implementing tailored strategies across accounts. For suitably qualified clients, Cogent recommends private funds and describes a structured approach to private-placement due diligence, ongoing manager monitoring, coordination of tax reporting with client CPAs, handling of private-fund cash flows, and integration of private holdings into consolidated performance reporting.
Cogent’s operating structure includes related-business affiliations that are less common among peers: an affiliated tax-processing entity established in 2023 that shares supervised personnel, and an affiliate through which some supervised persons sell insurance and may earn commissions; these relationships are disclosed and addressed under the firm’s fiduciary policies. The brochure also highlights the firm’s use of an outsourced estate-planning platform (Wealth.com) and extensive disclosures on higher-risk asset classes, including blockchain and digital assets, reflecting a broader operational and product scope than many advisers of similar scale.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Private / alternative investments
Options & derivatives strategies
Cash flow / budgeting
Tax-loss harvesting
Occupation focus
Founder/Business Owner
Fee options
Fixed fees for financial plan preparation ranging from $1,000 to $10,000
$100,000 - $250,000: 1.50% annually $250,001 - $500,000: 1.25% annually $500,001 - $1,000,000: 1.00% annually $1,000,001 - $5,000,000: 0.80% annually $5,000,001 - $10,000,000: 0.65% annually $10,000,001+: 0.50% annually
Insurance commissions earned by licensed insurance agents affiliated with the firm, separate from advisory fees
Account minimum: $100,000 Fee-only: Financial planning fixed fees ranging from $300 - $1,500 quarterly for ongoing planning, or $1,000 - $10,000 for one-time plans
Main office location
Cogent Independent Advisors, Inc.
St. Augustine FL, United States
Number of offices
4
Most active in
Cogent Independent Advisors, Inc. has reported serving >5 clients in these states in the last 12 months.
California · Colorado · Florida
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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