Cobalt Financial Partners LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$98,304,000
Clients
63
Advisors
1
of 1 employees
About
Cobalt Financial Partners provides portfolio management and financial planning to individuals, high-net-worth clients, and business entities, and also advises pension and profit-sharing plans. The firm manages approximately $108 million for about 63 clients and generally recommends mutual funds and ETFs as the core investments.
The firm’s investment process emphasizes asset allocation, rebalancing, and modern portfolio theory, documented in an Investment Policy Statement and implemented through tailored or model portfolios. It primarily operates on a non-discretionary basis, leaving final trading authority with clients and not accepting proxy voting or discretionary authority.
Compared with many independent peers, CFP’s asset base is unusually concentrated in non-discretionary accounts and it serves institutional clients and retirement-plan sponsors, a less common service mix for a solo-advisor firm. The brochure also discloses its ongoing custodial and broker-dealer relationship with LPL and receipt of related support services, plus a loan from the custodian subject to forgiveness tied to continued affiliation, which the firm notes could create an incentive to maintain that custodial relationship.
Client services
Expertise
Occupation focus
Fee options
Up to $2,500 for financial planning (negotiable)
$0 - $1,000,000: 1.50% $1,000,000+: 1.25%
Up to $250 per hour (negotiable)
Main office
Sykesville MD
Advisors at this office
1
Most active in
Maryland · Texas
Also doing business as
Cobalt Financial Partners LLC · Shematek, Christopher P
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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