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. For those who want the freedom to focus on what’s really important in your life, we assist in developing the plans and 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.
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
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.
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