# Cosey Financial Services, Inc.

> Cosey Financial Services, Inc. is an SEC-registered investment advisory firm in Knoxville, TN, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 25, 2026.

- CRD: 140175
- Filed as: COSEY FINANCIAL SERVICES, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Knoxville, TN
- Filing period: October 2026
- Form ADV filing dated: February 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/140175
- AdvisorCensus page: https://advisorcensus.com/firm/cosey-financial-services-inc-knoxville-tn-140175

## Quick answers

**How is Cosey Financial Services, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Cosey Financial Services, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Cosey Financial Services, Inc. charge?**
Its Form ADV Part 2A brochure dated February 25, 2026 states: Flat fee: $5,000 (personal financial planning engagements); Flat fee: $750 to $10,000 (Retirement Plan Consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Cosey Financial Services, Inc. located?**
Cosey Financial Services, Inc.'s principal office is in Knoxville, TN, according to its Form ADV; the March 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Cosey Financial Services, Inc. registered with the SEC or a state?**
Cosey Financial Services, Inc. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 140175.

**How much does Cosey Financial Services, Inc. manage?**
Cosey Financial Services, Inc. reports $123,677,943 in regulatory assets under management in its Form ADV filing dated February 25, 2026 (81% discretionary).

**How have Cosey Financial Services, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Cosey Financial Services, Inc.: Regulatory assets under management: $107,215,602 in the October 2021 data and $123,677,943 in the October 2026 data, up 15%. Total employees: 5 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Cosey Financial Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (343); high net worth individuals (42); pension and profit sharing plans (but not the plan participants or government pension plans) (14).

**Which custodians does Cosey Financial Services, Inc. use?**
Cosey Financial Services, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Cosey Financial Services, 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/140175

**What changed in Cosey Financial Services, Inc.'s recent Form ADV filings?**
In the March 2026 filing data: Registered or notice-filed in NC.

## 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 February 25, 2026)

- Flat fee: $5,000 (personal financial planning engagements)

> Generally, flat fees will not exceed $ 5,000 for personal financial planning engagements .

- Flat fee: $750 to $10,000 (Retirement Plan Consulting services)

> Our flat fees range from $750 to $10,000. Fees based on a percentage of managed Plan assets will not exceed 1.00%.

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., 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: $123,677,943
- Discretionary: $99,998,317
- Non-discretionary: $23,679,626

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 343 | $46,936,105 |
| High net worth individuals | 42 | $62,345,436 |
| Banking or thrift institutions | Fewer than 5 | $1,178,677 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 14 | $12,649,169 |
| Charitable organizations | Fewer than 5 | $270,206 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 5 | $298,350 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2021 (5 years)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, GA, LA, NC, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the March 2026 filing
- Hendersonville, TN
- Nashville, TN

### Websites listed on Form ADV (Item 1.I)
- coseyfinancial.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $107,215,602 | 5 | April 12, 2021 |
| October 2022 | $155,975,734 | 5 | March 15, 2022 |
| October 2023 | $110,873,280 | 5 | May 3, 2023 |
| October 2024 | $103,704,778 | 6 | May 7, 2024 |
| October 2025 | $119,053,826 | 6 | March 3, 2025 |
| October 2026 | $123,677,943 | 6 | February 25, 2026 |

Regulatory assets under management: $107,215,602 in the October 2021 data and $123,677,943 in the October 2026 data, up 15%.
Total employees: 5 in October 2021 and 6 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Registered or notice-filed in NC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cosey Financial Services, Inc. (CRD 140175): Form ADV filing data as of October 2026.