Cogent Independent Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Occupation focus
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
St. Augustine FL
Advisors at this office
1
Most active in
California · Colorado · Florida
Also doing business as
Cogent Independent Advisors, Inc. · Cogent Private Wealth
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")