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Credit Freezes Are Now Free

Under a new federal law passed on September 21, 2018, you can now freeze and unfreeze your credit files at no cost at each of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion. This new law additionally requires the credit agencies to allow extended fraud alerts up...



Maximize Social Security Survivor Benefits

Prior to the passage of the Bipartisan Budget Act of 2015, Social Security (SS) benefits were quite generous for married (and even for divorced) couples, particularly for those with dual incomes. Spouses were not only entitled to benefits based on their own earnings, but also based on their spouse’s...



The Middle-Class Has Stopped Shrinking But…

The Pew Research Center just released an interesting report on the state of the American middle-class. In 2016 (the latest data available) about 52% of American adults lived in middle-class households. This represents a turnaround in this important demographic group. Previously its size had been steadily declining since 1971...




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Cognizant Wealth Advisors
2225 E. Bayshore Road
Suite 200
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.