# Cosner Financial Group, LLC

> Cosner Financial Group, LLC is an SEC-registered investment advisory firm in Windsor, CO, registered since 2015, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 12, 2026.

- CRD: 147942
- Filed as: COSNER FINANCIAL GROUP, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Windsor, CO
- Filing period: October 2026
- Form ADV filing dated: February 12, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/147942
- AdvisorCensus page: https://advisorcensus.com/firm/cosner-financial-group-llc-windsor-co-147942

## Quick answers

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

**How much does Cosner Financial Group, LLC charge?**
Its Form ADV Part 2A brochure dated February 12, 2026 states: Hourly rate: $175 an hour (financial advisors for financial planning and consulting services); Flat fee: $500 to $10,000 (financial planning and consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Cosner Financial Group, LLC located?**
Cosner Financial Group, LLC's principal office is in Windsor, CO, according to its Form ADV; the March 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Cosner Financial Group, LLC registered with the SEC or a state?**
Cosner Financial Group, LLC is an SEC-registered investment advisory firm, registered since 2015. Status as filed: Approved. CRD 147942.

**How much does Cosner Financial Group, LLC manage?**
Cosner Financial Group, LLC reports $369,813,121 in regulatory assets under management in its Form ADV filing dated February 12, 2026 (100% discretionary).

**How have Cosner Financial Group, LLC's assets and staff changed since 2021?**
In the Form ADV data for Cosner Financial Group, LLC: Regulatory assets under management: $244,177,848 in the October 2021 data and $369,813,121 in the October 2026 data, up 51%. Total employees: 6 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Cosner Financial Group, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (484); high net worth individuals (130); corporations or other businesses not listed above (21).

**Which custodians does Cosner Financial Group, LLC use?**
Cosner Financial Group, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Institutional Wealth Services as a custodian holding 10% or more of its separately managed account assets.

**Does Cosner Financial Group, LLC 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/147942

**Does Cosner Financial Group, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated February 12, 2026 says: "We do not require a minimum account balance for our asset management service."

**What changed in Cosner Financial Group, LLC's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $324,481,630 to $369,813,121 (+14%).

## 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 12, 2026)

- Account minimum: None

> We do not require a minimum account balance for our asset management service.

- Hourly rate: $175 an hour (financial advisors for financial planning and consulting services)

> Our hourly fees are $175 for financial advisors. Flat fees generally range from $500 to $10,000.

- Flat fee: $500 to $10,000 (financial planning and consulting services)

> Our hourly fees are $175 for financial advisors. Flat fees generally range from $500 to $10,000.

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

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Institutional Wealth Services

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: $369,813,121
- Discretionary: $368,016,450
- Non-discretionary: $1,796,671

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 484 | $90,354,743 |
| High net worth individuals | 130 | $210,393,620 |
| Banking or thrift institutions | 0 | $0 |
| 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) | 0 | $0 |
| 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 | 21 | $69,064,758 |

### 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

### Firm details
- Registered since: 2015 (11 years)
- Employees: 5 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AZ, CO, FL, LA, NE, NH, NM, OK, TX, WY
- 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
- Midland, TX

### Websites listed on Form ADV (Item 1.I)
- cosnerfinancialgroup.com
- Facebook @CosnerFinancialGroup

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $244,177,848 | 6 | August 30, 2021 |
| October 2022 | $259,892,482 | 6 | February 18, 2022 |
| October 2023 | $244,112,016 | 6 | May 31, 2023 |
| October 2024 | $272,915,787 | 5 | February 15, 2024 |
| October 2025 | $324,481,630 | 5 | February 26, 2025 |
| October 2026 | $369,813,121 | 5 | February 12, 2026 |

Regulatory assets under management: $244,177,848 in the October 2021 data and $369,813,121 in the October 2026 data, up 51%.
Total employees: 6 in October 2021 and 5 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $324,481,630 to $369,813,121 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cosner Financial Group, LLC (CRD 147942): Form ADV filing data as of October 2026.