# Cogent Independent Advisors, Inc.

> 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.

- CRD: 161659
- Filed as: COGENT INDEPENDENT ADVISORS, INC.
- Also doing business as: COGENT PRIVATE WEALTH
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: St Augustine, FL
- Filing period: October 2026
- Form ADV filing dated: September 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/161659
- AdvisorCensus page: https://advisorcensus.com/firm/cogent-independent-advisors-inc-st-augustine-fl-161659

## Quick answers

**How is Cogent Independent Advisors, Inc. compensated?**
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).

**How much does Cogent Independent Advisors, Inc. charge?**
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.

**Where is Cogent Independent Advisors, Inc. located?**
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).

**Is Cogent Independent Advisors, Inc. registered with the SEC or a state?**
Cogent Independent Advisors, Inc. is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 161659.

**How much does Cogent Independent Advisors, Inc. manage?**
Cogent Independent Advisors, Inc. reports $112,445,743 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (100% discretionary).

**What types of clients does Cogent Independent Advisors, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (148); high net worth individuals (90).

**Which custodians does Cogent Independent Advisors, Inc. use?**
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.

**Does Cogent Independent Advisors, Inc. report any disciplinary disclosures?**
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

**Does Cogent Independent Advisors, Inc. state an account minimum?**
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."

**What changed in Cogent Independent Advisors, Inc.'s recent Form ADV filings?**
In the May 2026 filing data: Newly registered with the SEC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 5, 2026)

- Account minimum: $100,000 (the brochure says it may be waived or negotiated)

> 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.

- Flat fee: $300 to $1,500 a quarter (ongoing financial planning)

> 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

- Flat fee: $1,000 to $10,000 (one-time financial plans)

> 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

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Raymond James Financial Services, Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $112,445,743
- Discretionary: $112,445,743
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 148 | $17,220,391 |
| High net worth individuals | 90 | $95,225,352 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2026 (0 years)
- Employees: 5 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Camarillo, CA
- Parker, CO
- St Augustine, FL

### Websites listed on Form ADV (Item 1.I)
- cogentadvisors.com
- cogentindependent.com
- schnellonwealth.com
- Facebook @schnellonwealth
- Instagram @schnellonwealth
- LinkedIn @kristopher-schnell-3803771ba
- YouTube @CogentThought

## Changes in the filing (last 12 months)

### May 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cogent Independent Advisors, Inc. (CRD 161659): Form ADV filing data as of October 2026.