{
  "crd_number": 161659,
  "slug": "cogent-independent-advisors-inc-st-augustine-fl-161659",
  "primary_business_name": "COGENT INDEPENDENT ADVISORS, INC.",
  "legal_name": "COGENT INDEPENDENT ADVISORS, INC.",
  "dbas": [
    "COGENT PRIVATE WEALTH"
  ],
  "city": "St Augustine",
  "state": "FL",
  "country": "United States",
  "cbsa_code": "27260",
  "metro": {
    "cbsa_code": "27260",
    "common_name": "Jacksonville",
    "msa_name": "Jacksonville, FL",
    "path": "/advisors/fl/jacksonville"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2026-04-06",
  "years_registered": 0,
  "period": "2026-10-01",
  "filing_date": "2026-09-15",
  "carried_forward": false,
  "raum_total": 112445743.0,
  "raum_discretionary": 112445743.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 5,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 17220391.0,
      "count": 148
    },
    "high_net_worth_individuals": {
      "raum": 95225352.0,
      "count": 90
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "FL"
  ],
  "websites": [
    "https://cogentadvisors.com",
    "https://cogentindependent.com",
    "https://facebook.com/schnellonwealth",
    "https://instagram.com/schnellonwealth",
    "https://linkedin.com/in/kristopher-schnell-3803771ba",
    "https://schnellonwealth.com",
    "https://youtube.com/@CogentThought"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/161659",
  "city_as_filed": "ST AUGUSTINE",
  "url": "https://advisorcensus.com/firm/cogent-independent-advisors-inc-st-augustine-fl-161659",
  "display_name": "Cogent Independent Advisors, Inc.",
  "summary": "Cogent Independent Advisors, Inc. is an SEC-registered investment advisory firm in St Augustine, FL, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 15, 2026.",
  "citation": "AdvisorCensus. Cogent Independent Advisors, Inc. (CRD 161659): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Selection of other advisers (including private fund managers)"
  ],
  "quick_answers": [
    {
      "q": "How is Cogent Independent Advisors, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cogent Independent Advisors, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Cogent Independent Advisors, Inc. charge?",
      "a": "Its Form ADV Part 2A brochure dated March 5, 2026 states: Flat fee: $300 to $1,500 a quarter (ongoing financial planning); Flat fee: $1,000 to $10,000 (one-time financial plans). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Cogent Independent Advisors, Inc. located?",
      "a": "Cogent Independent Advisors, Inc.'s principal office is in St Augustine, FL, according to its Form ADV; the October 2026 filing also lists 3 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Cogent Independent Advisors, Inc. registered with the SEC or a state?",
      "a": "Cogent Independent Advisors, Inc. is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 161659."
    },
    {
      "q": "How much does Cogent Independent Advisors, Inc. manage?",
      "a": "Cogent Independent Advisors, Inc. reports $112,445,743 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (100% discretionary)."
    },
    {
      "q": "What types of clients does Cogent Independent Advisors, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (148); high net worth individuals (90)."
    },
    {
      "q": "Which custodians does Cogent Independent Advisors, Inc. use?",
      "a": "Cogent Independent Advisors, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Raymond James Financial Services, Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Cogent Independent Advisors, Inc. report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/161659"
    },
    {
      "q": "Does Cogent Independent Advisors, Inc. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 5, 2026 says: \"Cogent requires a minimum relationship size of $100,000 to open an account. Cogent reserves the right to accept accounts with lesser assets at its discretion.\""
    },
    {
      "q": "What changed in Cogent Independent Advisors, Inc.'s recent Form ADV filings?",
      "a": "In the May 2026 filing data: Newly registered with the SEC."
    }
  ],
  "filing_history": [],
  "recent_changes": [
    {
      "period": "2026-05-01",
      "period_label": "May 2026",
      "notes": [
        "Newly registered with the SEC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 5, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$100,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $300 to $1,500 a quarter (ongoing financial planning)",
      "Flat fee: $1,000 to $10,000 (one-time financial plans)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $100,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Cogent requires a minimum relationship size of $100,000 to open an account. Cogent reserves the right to accept accounts with lesser assets at its discretion."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $300 to $1,500 a quarter (ongoing financial planning)"
        ],
        "quotes": [
          "FPS are offered based on a fixed fee ranging between $300 -$1,500 charged quarterly in advance for ongoing financial planning, or ranging from $1,000-$10,000 for one-time financial plans, paid via $450 deposit in advance"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 to $10,000 (one-time financial plans)"
        ],
        "quotes": [
          "FPS are offered based on a fixed fee ranging between $300 -$1,500 charged quarterly in advance for ongoing financial planning, or ranging from $1,000-$10,000 for one-time financial plans, paid via $450 deposit in advance"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 100000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 300.0,
          "max": 1500.0,
          "period": "quarterly",
          "service": "ongoing financial planning"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 1000.0,
          "max": 10000.0,
          "period": "one_time",
          "service": "one-time financial plans"
        }
      ]
    },
    "quotes": [
      "Cogent requires a minimum relationship size of $100,000 to open an account. Cogent reserves the right to accept accounts with lesser assets at its discretion.",
      "FPS are offered based on a fixed fee ranging between $300 -$1,500 charged quarterly in advance for ongoing financial planning, or ranging from $1,000-$10,000 for one-time financial plans, paid via $450 deposit in advance",
      "FPS are offered based on a fixed fee ranging between $300 -$1,500 charged quarterly in advance for ongoing financial planning, or ranging from $1,000-$10,000 for one-time financial plans, paid via $450 deposit in advance"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Raymond James Financial Services, Inc.",
      "name_as_filed": "RAYMOND JAMES FINANCIAL SERVICES, INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/cogent-independent-advisors-inc-st-augustine-fl-161659.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 148,
      "fewer_than_5": false,
      "raum": 17220391.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 90,
      "fewer_than_5": false,
      "raum": 95225352.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/161659",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}