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. Let us help you live the best life you can with the money you have. Our close, personalized guidance will help you attain financial independence and retirement peace of mind. For those who want the freedom to focus on what’s really important in your life, we save you time in making the investment and other financial decisions to support your lifestyle goals. We also act as an objective sounding board to help you figure out what matters and what does not. Making the right choices today will lead to financial security in the future.

FREE CONSULTATIONLEARN MORE

Services We Offer

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

Financial Planning

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

Investment Planning

– Diversification balancing growth & protection
– Asset allocation and 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 &advanced tax strategies
– UBTI in IRAs

Retirement Planning

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

Education Planning

– 529s and other education savings plans
– 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
– Healthcare & Medicare plans 
– 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
– DPOAs / Advance health care directives / Living wills
– Tax-optimized gifting strategies
– Best vehicles for legacy planning
– Estate tax vs. capital gains tax optimization

Free Consultation! It will only take a minute

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.

GET STARTED NOW

Latest News

Why Volatility Makes Investing So Difficult

Whenever stock prices take a hit, volatility generally increases. By that I mean daily price swings become more extreme – both in size as well as in speed – as[…]

Read more

What To Do With An RMD You Don’t Need

This may seem like an unusual year to be talking about required minimum distributions (RMDs) since Congress has temporarily eliminated them in 2020 due to the COVID-19 pandemic. But they[…]

Read more

Should We Worry About The Massive Government Debt From COVID-19 Spending?

There are really two questions here. The first is whether or not the cost of the CARES Act and the other federal government rescue/stimulus spending packages could drive the U.S.[…]

Read more