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. We assist in developing financial plans and in making informed investment and other financial decisions that support the myriad goals in your life. Can you recall a time when you felt exceptionally care-free? It’s likely you weren’t worried about your financial situation. Our goal is to help you recapture that feeling by discovering and making the right choices today that will lead to financial security in the future.


Services We Offer

We strive to be your advocate

Financial Planning

– How soon can I retire?  
– How much of a house can I afford?
– How much do I need to save?
– Can I quit my job & work on my start-up? 
– Can I afford to send my kids to private school? 

Investment Planning

– Low cost, diversified portfolios
– Asset allocation and asset location
– Tax loss harvesting
– Rebalancing
– Non-publicly trades funds & alternatives

Tax Planning

– Maximize deductions and lower taxable income
– Lower AMT
– Traditional IRA vs. Roth
– Tax managed portfolios
– Maximize after tax return on investments  

Stock Options Planning

– Restricted stock options (RSUs) & ESPP
– Incentive (ISO) and non-qualified (NQ) stock options
– Tax and AMT planning
– 83(b) elections for pre-public company stock
– 10b5-1 plans for company executives

Estate Planning

– Wills and Trusts
– Advance health care directive
– Gifting during lifetime
–  Leaving a legacy
– Optimization of estate taxes

Risk Management

– Life, home, auto and umbrealla (liability) insurance 
– Health insurance and disability insurance
– Long term care insurance
– D&O and E&O insurance 
– Unbiased advice (we do not sell insurance)

Retirement Income Planning

– Required Minumim Distributions from IRAs
– Tax optimized income withdrawal strategy
– Annuities, pension, rental income
– Social Security & Medicare
– Risk of longetivity & extended illness

 Education Planning

– 529 plans and other education savings vehicles
– Investment strategy for education funds 
– Scholarships, loans and grants
–  Gifting 
– Planning strategies for more than one child

Free Consultation! It will only take a minute

Plan your next steps with care

Life evolves, your
opportunities and risks take careful management

Have you been meaning to put your financial affairs in order? 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. Let us help you make the financial decisions best suited to your unique goals in life. If you’re looking for an independent, fee only financial planner, please contact us today to schedule a free consultation.


Latest News

Is Active Fund Management Always Bad?

The debate between actively and passively managed equity mutual funds has raged for decades.  My position is that the only way that actively managed stock funds can outperform is either[…]

Read more

Social Security Is Lagging Inflation

Social Security is one of the few retirement pensions whose annual payments increase over time based on actual inflation. Few other private or public pensions provide this valuable benefit. Neither[…]

Read more

How Will Inflation Affect You?

You’re probably at least somewhat familiar with the Consumer Price Index (CPI), the Bureau of Labor Statistics (BLS) measure of inflation. Considering that this metric is the fundamental driver of[…]

Read more