Cothran Capital, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cothran Capital provides personalized financial planning, asset allocation, and portfolio management services to individuals, high‑net‑worth clients, corporations, trusts, and estates. Services include discretionary and non‑discretionary investment management, financial planning and consulting, co‑advisor arrangements with third‑party managers, and management of fee‑based annuity contracts.
The firm’s investment work draws on fundamental, technical, and cyclical analysis and is implemented through documented investment policy statements and periodic reviews, with discretionary trading used where authorized. Cothran places client assets on several third‑party platforms (including Matson Money, a Beacon arrangement, and an American Funds service) and supplements its workflows with an AI tool called Hazel from Altruist, with human review of AI outputs before use in client recommendations.
What is distinctive about the firm is its affiliation with an insurance business: a principal is a licensed insurance agent who spends a significant portion of time in that activity, and the firm discloses and manages related conflicts of interest. The firm also commonly acts as a co‑advisor across multiple platforms and directly manages annuity contracts (including directing carriers on interest strategy selections and fee withdrawals), practices that are less common among similarly sized supported advisers.
Client services
Expertise
Fee options
Negotiable fixed fee of $495 for financial planning services
$0 - $1,000,000: 1.25% (flat rate for accounts less than $1,000,000) $0 - $500,000: 1.00% $500,001 - $1,000,000: 0.85% $1,000,001 - $4,000,000: 0.75% $4,000,001+: 0.50% $0 - $99,999.99: 1.50% (American Funds Service Company platform) $100,000 - $499,999.99: 1.25% (American Funds Service Company platform) $500,000 - $999,999.99: 1.00% (American Funds Service Company platform) $1,000,000 - $2,999,999.99: 0.70% (American Funds Service Company platform) $3,000,000+: 0.50% (American Funds Service Company platform) $0 - $500,000: 0.85% (Beacon Capital Management tier) $500,001 - $1,000,000: 0.75% (Beacon Capital Management tier) $1,000,001 - $2,000,000: 0.70% (Beacon Capital Management tier) $2,000,001+: 0.60% (Beacon Capital Management tier)
$300 per hour for financial planning services
Account minimum: $300,000 Minimum fee: Beacon minimum annual fee charged is $400
Main office
5865 Ridgeway Center Parkway, Suite 300
Memphis TN 38120
Advisors at this office
2
Most active in
Arkansas · Tennessee · Texas
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.
Is not active or affiliated with:
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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.
Forms ADV
Quick links
Advisors at this firm
Charles C
Series 65
Memphis, TN
Cothran Capital, LLC
Charles Cothran is a financial advisor at Cothran Capital, LLC in Memphis, TN, with 15 years of industry experience. He holds a Series 65 designation and has been with Cothran Capital since 2010. In addition to his advisory role, he owns and operates Cothran Insurance, where he spends approximately half of his time as a licensed insurance agent. Cothran Capital provides personalized financial planning, asset allocation, and portfolio management services to individuals, high-net-worth clients, corporations, trusts, and estates. The firm employs fundamental, technical, and cyclical analysis, supported by documented investment policy statements and periodic reviews, and integrates AI tools alongside human oversight.
Jacob C
CFP®, Series 65
Memphis, TN
Cothran Capital, LLC
Jacob Cothran is a Certified Financial Planner (CFP®) and holds a Series 65 license with four years of industry experience. He currently serves as a principal at Cothran Capital, LLC and operates as a sole proprietor. Prior to founding his advisory practice, he worked at McKinney Drilling Company for five years. Cothran is also a licensed insurance agent, dedicating a substantial portion of his professional time to that activity. Cothran Capital, LLC provides personalized financial planning, asset allocation, and portfolio management services to individuals, high-net-worth clients, corporations, trusts, and estates. The firm utilizes fundamental, technical, and cyclical analysis within a structured investment framework and offers both discretionary and non-discretionary management across multiple platforms, including co-advisory arrangements and management of fee-based annuity contracts.
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