Cognizant Wealth Advisors

Cognizant Wealth Advisors is a California-based financial advisory firm established in 2012 as an investment adviser and later became a limited liability company in 2018. The firm specializes in providing Comprehensive Wealth Management, Standalone Investment Management, and Modular Planning services. Clients can expect a range of investment advisory solutions tailored to their unique needs, including financial planning services such as cash flow management, retirement planning, and risk management analysis. Investment management services are provided on a discretionary basis, primarily utilizing Mutual Funds, ETFs/ETNs, and other securities. For Comprehensive Wealth Management, fees are asset-based, ranging from 1.00% to 0.25% depending on the asset value, with a minimum annual fee of $10,000. Standalone Investment Management fees range from 0.50% to 0.25% with the same minimum annual fee. Modular Planning engagements are provided on a fixed-fee basis, typically ranging from $3,500 to $15,000. The firm operates under a fiduciary duty, acting in the best interests of clients, especially in providing advice on retirement plans and rollovers. Cognizant Wealth Advisors does not engage in performance-based fees or side-by-side management. The firm emphasizes a client-centric approach, encouraging periodic reviews of accounts and financial plans to ensure alignment with clients' evolving needs and goals. Clients maintain exclusive responsibility for voting on proxies and making other investment-related decisions. The firm does not take physical custody of client assets and ensures transparency in fee structures and potential conflicts of interest.