You and CogentBlue

CogentBlue employs a values-based approach to planning and investing. That involves developing and implementing a unique plan that meets each new client's expectations and goals. Each plan includes monthly reporting, regular reviews, and ongoing, disciplined cross-checks to ensure that we are holding true to clients' interests and preferences, and meeting their goals and needs.

CogentBlue is committed to providing a client experience that is nothing short of exceptional. We fulfill that commitment by communicating proactively, delivering thought leadership, and providing access to coordinated resources and personnel whenever it's needed.

Developing an understanding of what matters most to our clients begins with a discussion that covers topics such as the following:

• Family members and important relationships
• Family and individual goals, personally, professionally, and financially
• Level of understanding and education on financial concepts
• Family financial history
• Summary of financial landscape
• Family values

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Our Investment Philosophy

• Invest in things you understand; know what you own and why it fits in your portfolio. Don’t fall for fancy sales pitches, media hype or market hysteria.
• Invest while keeping costs low (e.g. transaction costs, taxes, etc.). Costs will only drag down returns over time.
• Invest broadly and globally. There is no singular “market.”  Invest across asset classes, market capitalizations and styles.  Proper diversification is key.
• Invest for the long-term. The long-term is more than a 1- or 3-year outlook.  Daily or weekly market fluctuations should not affect your decisions, behavior, or outlook.
• Invest where the risk you are taking is compensated by the return you are receiving.
• Invest with your total portfolio in mind. Focus on the success of the overall portfolio, not on specific investments.
• Invest for the future. Don’t base today’s investment decision on past performance.
• Invest with a plan. Hope is not an investment strategy.

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Our Clients

We serve individuals and families who have more than enough to meet their needs, and are looking for a Private CFO to help them carefully and successfully manage their financial affairs. Our clients have often worked in the following professional fields:

• current and retired corporate executives
• medical professionals
• academics
• entrepreneurs

Regardless of career field, we met nearly all of our clients during some kind of life transition, such as divorce, the loss of their spouse, an inheritance, a job change, or retirement. We understand that transitions are emotional, involve complexity, and require coordination on numerous fronts to navigate successfully. As such, our solutions have been crafted to specifically to meet those needs.

Our clients typically have the following goals:

• Continue growing their wealth
• Minimize income and estate taxes
• Protect their assets from being unjustly taken from them
• Maximize the impact of their wealth on their family and/or the causes they care about
• Ensure they’re making the right decisions in all aspects of their finances

Our clients grew their wealth through a lifetime of hard work, delayed gratification, and prudently taking risk. As such, they generally value responsible stewardship of their assets over excessive consumption or speculation. Above all, they want to ensure the fruits of their life's work go toward meaningful ends.

Since your goals are closely tied to your values, it’s important for us to get to know you on a deep level so we can best serve you. Before we enter into a new relationship, we take the time to ensure there is a mutual fit in terms of approach, process and philosophy. This allows us to ensure we work only with those for whom we can provide significant value. If we discover we aren’t a good match, we’ll kindly take the time to help you locate a better fit.

We invite you to learn more about our background to determine if we might be the right advisors for you.  

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