Taking an overall comprehensive approach is a vital component of a client's financial situation. Everything from one’s balance sheets, money inflows & outflows, liquid & illiquid assets, pensions, real estate, retirement accounts, is all crucial information in the crafting of a unique plan for each individual that will fulfill their objectives in both the short and long term.

Given the time horizon for college education, laying out all avenues available to strategically set aside money that will grow as efficiently as possible or conserve as much capital by the time your children will need it.

Fully and properly taking advantage of employer benefits is a critical piece of proper planning. It’s also important to take the time to understand all your company has to offer. At Cognito Capital, we believe educating our clients is responsibility #1. Figuring out what is directly available to clients is a great place to start. Don’t have the time to sit and read your employee handbook? I can help. I specialize in the following:

• 401(k) Plans
• Employer Pensions
• Social Security
• Self-employed retirement plans

When it comes to asset allocation and management I believe in thoroughly explaining what investments each client is involved with and the pros and cons. It’s important to me that you are 100 percent comfortable in the decisions we both make and where your money is allocated to accomplish your objectives. At Cognito Capital, we leverage all the tools to accomplish your objectives and limit your risk.

Determining how much coverage you need can be a difficult decision to make alone. Let’s have that conversation. We’ll explore all your available life insurance options based off your unique needs.

At Cognito Capital, we believe that life insurance is a critical component of any financial plan. When executed properly, business owners and professionals can use life insurance as a catalyst for an additional tax shelter and alternative purposes for tax-free income at a later date.