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Bring Back The Tontine for Retirees?

In today’s world, newly-minted retirees are being forced to take on risks that their predecessors did not have to deal with. Prior to the 1990s, a retiree could typically count on a guaranteed amount of income from social security and from company pensions lasting until he or she passed...



Why Are Investors Still Worried About GDP?

In a recent 2016 investment outlook paper, Joseph Davis, Vanguard’s chief economist, estimated annual global equity growth over the next five to ten years to be in the 5%-8% range, significantly below the 10% average from 1926-2014. He based this expectation to a large extent on lower U.S. and...



How to Maximize College Financial Aid With 529s

Last year I wrote about a strategy involving 529 plans designed to maximize the financial aid a college student could receive (see http://www.cognizantwealth.com/2014/03/10/best-place-to-hold-your-529-plan/).   To summarize the original strategy: if you split your savings into two 529 plans, 75% in one owned by the student’s parent and 25% in one...




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Palo Alto, CA 94303

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Cognizant Wealth Advisors is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempted.