Building Prosperous Lives

Welcome to Cognizant Wealth Advisors

Cognizant Wealth Advisors is an independent, fee only (no commission), fiduciary financial planning and investment firm helping individuals and families build prosperous lives through sound financial decision-making. Our close, personalized guidance will help you attain financial independence and retirement peace of mind. We assist in developing financial plans and in making informed investment and other financial decisions that support the myriad goals in your life. Can you recall a time when you felt exceptionally care-free? It’s likely you weren’t worried about your financial situation. Our goal is to help you recapture that feeling by discovering and making the right choices today that will lead to financial security in the future.

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Services We Offer

Our clients don’t just get simple answers to easy questions but rather comprehensive advice spanning all these financial topics.

Financial Planning

– Goal identification and prioritization
– Simplification of complex decision-making
– Savings allocation strategies
– Improved financial outcomes
– Account consolidation

Investment Planning

– Diversified portfolios balancing growth and protection
– Asset allocation and asset location strategies
– Public and non-publicly traded funds
– Asset class rebalancing
– Alternative investments

Tax Planning

– Lifetime tax optimization
– Tax-loss harvesting
– AMT planning
– Roth conversions and advanced tax strategies
– UBTI in Individual Retirement Accounts (IRAs)

Retirement Income Planning

– Required minimum distributions (RMDs)
– Tax optimized income withdrawal strategies
– Pension, 403(b), and 401(k) rollover considerations
– Good and bad annuities
– Optimal Social Security & Medicare claiming strategies

Education Planning

– 529 plans and other education savings vehicles
– Investment strategies for education funds
– FAFSA and expected family contribution (EFT)
– Gifting for education strategies
– Planning for multiple children

Risk Management

– Property & casualty (home & auto) insurance
– Health (company benefits & ACA) and Medicare plan reviews
– Disability and long term care planning
– Liability protection (umbrella insurance)
– Fundamental life insurance coverage needs

Stock Options Planning

– Restricted stock options (RSUs) & ESPP
– Incentive (ISO) and non-qualified (NQ) stock options
– Concentration risk vs. capital gains tax optimization
– 83(b) elections for pre-public company stock
– 10b5-1 plans for company executives

Estate Planning

– Basic wills and trusts
– Incapacity planning (DPOA / Advance health care directives / Living wills)
– Tax-optimized gifting strategies
– Best vehicles for legacy planning
– Estate tax vs. capital gains tax optimization

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If you don’t plan your future, life will do it for you.

Considering changing jobs? Going through a divorce? Inheriting money? Receiving company stock or options? All these situations require making numerous choices that can have a huge impact on your future. If you’re looking for an objective, unbiased advisor to make complex financial decisions easy to understand and to act upon, please contact us today to schedule a free consultation.

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Latest News

Why Don’t Millennials Like Stocks?

I previously posted about a Bankrate financial security survey in 2017 which found that real estate was the Millennial Generation’s top investment preference over stocks and cash (http://www.cognizantwealth.com/2017/11/24/is-real-estate-best-for-building-wealth/). The post[…]

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Latest Top Scams Targeting Seniors

The U.S. Senate Special Committee on Aging recently released their 2018 report on the top ten scams targeted to seniors as reported to their toll-free fraud hotline 1-855-303-9470. With today’s[…]

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What To Do About Record High Trade Deficits?

The U.S. Commerce Department reported this month that the trade deficit for 2018 reached a record $891.3 billion and grew by almost 13% over 2017. As investors, what should we[…]

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