# Cogent Independent Advisors

Cogent Independent Advisors is a RIA based in St Augustine, United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** St Augustine, United States
- **Region:** North America
- **Address:** Charlotte, NC, United States
- **Assets under management:** Undisclosed
- **Website:** cogentindependent.com
- **LinkedIn:** https://www.linkedin.com/company/cogentadvisors

## Regulatory record

- **CRD number:** 161659
- **SEC file number:** 801-135773
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/161659

## About

COGENT INDEPENDENT ADVISORS, INC. is an SEC-registered investment adviser in ST AUGUSTINE, FL, registered since 2026. The firm manages approximately $112 million in assets. It employs 6 people and 1 investment adviser.

## Questions

### Does Cogent manufacture its own investment products?

No. Cogent's value proposition is built on open-architecture advice without proprietary funds or internal product manufacturing. Its business model as a fee-only RIA is structured to avoid the inherent conflict of pushing an internal suite of mutual funds, ETFs, or alternatives.

### What investment vehicles does Cogent typically use for client portfolios?

Cogent constructs diversified portfolios using third-party institutional funds — historically including strategies from Dimensional Fund Advisors — alongside individual securities, fixed-income ladders, and access to private alternative funds where client suitability dictates. The firm functions as an unbundled allocator, selecting best-in-class external managers rather than internal ones.

### Is Cogent Independent Advisors publicly disclosing its assets under management?

No. The firm has maintained a deliberately low profile and does not publicly disclose a current AUM figure. In the absence of a public filing or official statement, no outside estimate of the firm's scale can be reliably made.

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Last updated: 2026-06-03T20:00:00.000Z

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