Cofg Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, business succession planning, education planning, estate planning, and insurance. Financial planning was provided to 26–50 clients last fiscal year.
Cofg Advisors reports 1,380 clients. They include 1,147 individual clients, 189 high-net-worth individuals, and 24 corporations and other businesses. Of its assets, 91.9% ($1.11B across 4,304 accounts) are managed with discretion; $97.5M across 41 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 83% | 40% |
| High-net-worth individuals | 14% | 52% |
| Pension and profit-sharing plans | 1% | 7% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | 2% | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,147 | $479M | 39.6% | $418K |
| High-net-worth individuals | 189 | $632M | 52.2% | $3.34M |
| Pension and profit-sharing plans | 20 | $89.7M | 7.4% | $4.48M |
| Charitable organizations | Fewer than 5 | $1.62M | 0.1% | — |
| Corporations and other businesses | 24 | $6.92M | 0.6% | $288K |
| Total | 1,380 | $1.21B | 100% | — |
- Clients
- 1,147
- Regulatory AUM
- $479M
- AUM share
- 39.6%
- Avg. per client
- $418K
- Clients
- 189
- Regulatory AUM
- $632M
- AUM share
- 52.2%
- Avg. per client
- $3.34M
- Clients
- 20
- Regulatory AUM
- $89.7M
- AUM share
- 7.4%
- Avg. per client
- $4.48M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.62M
- AUM share
- 0.1%
- Avg. per client
- —
- Clients
- 24
- Regulatory AUM
- $6.92M
- AUM share
- 0.6%
- Avg. per client
- $288K
Total
- Clients
- 1,380
- Regulatory AUM
- $1.21B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Cofg Advisors charges 0.65%–1.25% a year for its Wealth management services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 3 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.25% |
| $250K–$500K | 1.00% |
| $500K–$1M | 0.90% |
| $1M–$2.5M | 0.80% |
| $2.5M–$5M | 0.75% |
| $5M and above | 0.65% |
Fee details and sources
Other fees
- Plan participant consulting
- Annual rate of 1.00% on the first $500,000, 0.75% from $500,001 to $1,000,000 and 0.50% above that, of SIMPLE IRA assets, billed quarterly in arrears.
- Retirement plan consulting
- Annual asset-based fee of up to 1.00%, billed monthly or quarterly in arrears and negotiable within that range.
- Stand-alone financial planning
- Billed hourly at up to $500 an hour, or as a fixed fee of up to $40,000; up to 50% may be invoiced when the planning agreement is signed.
Cofg Brokerage, Inc. owns 50% to 75% of Cofg Advisors. The leadership team of Cofg Advisors includes President David Navarro and Chief Operating Officer Frank Kautzky. It has 19 employees, 9 of them in advisory roles.
Leadership
- David NavarroPresident
- Frank KautzkyChief Compliance Officer & Chief Operating Officer
Investment adviser representatives
10 representatives listed in the SEC register as of 9 October 2026.
- Carlo James Airdo JR.
- Hanna An
- John Anthony Ferrante II
- Jae Won Ha
- Frank Edward Kautzky
- David Nathan Navarro
- Brendon Jon Pierce
- John Suchy
- Angeline Catherine Wozniak
- Benjamin Wozniak
Staff
- 19 employees
- 9 in advisory functions
- 9 state-registered reps
- 7 insurance agents
- Owns 50% to 75% of Cofg Advisors, LLC
Cofg Brokerage, Inc.
Control person · since August 2024
- Owns 50% to 75% of Cofg Advisors, LLC
David Navarro
Control person · since August 2024
- Owns 10% to 25% of Cofg Advisors, LLC
Jae Ha Wealth Management, Inc.
since August 2024
- Owns 75% or more of Jae Ha Wealth Management, Inc.
Jae Ha
since August 2024
- Owns 10% to 25% of Cofg Advisors, LLC
Jaf Wealth Management, Inc.
since August 2024
- Owns 75% or more of Jaf Wealth Management, Inc.
John Ferrante
since August 2024
- Owns 5% to 10% of Cofg Advisors, LLC
BSWM, Inc.
since August 2024
- Owns 75% or more of BSWM, Inc.
Brett Sherpan
since August 2024
- Owns 5% to 10% of Cofg Advisors, LLC
KPW Holdings, Inc.
since August 2024
- Owns 5% to 10% of Cofg Advisors, LLC
Fox Hill Ventures, LLC
since August 2024
- Owns 75% or more of Fox Hill Ventures, LLC
Brendon Pierce
since August 2024
- Owns 5% to 10% of Cofg Advisors, LLC
Frank Kautzky
Control person · since August 2024
Cofg Advisors’ regulatory assets grew from $907M (March 2025) to $1.21B (February 2026); clients rose from 1,112 to 1,380 and employees from 18 to 19.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $1.21B | 1,380 | 19 | 2 |
| March 2025 | $907M | 1,112 | 18 | 2 |
Besides its headquarters, Cofg Advisors has 1 office, with 2 listed addresses in Illinois.
Illinois · 2 listed addresses
- 903 Commerce Drive,, Suite 300, Oak BrookHQ
- 14710 South Naperville Road, Plainfield
Other business names
Cofg Advisors has reported 1 other business name to the SEC.
- 401k Team
Contact and registration details
- Legal name
- Cofg Advisors, LLC
- Headquarters
- 903 Commerce Drive,, Suite 300, Oak Brook, IL 60523
- Website
- cofgroup.com
- Phone
- 630-954-5572
- SEC file
- 801-131428
- Founded
- 1997
- Structure
- Illinois LLC
- Fiscal year end
- December
Cofg Advisors uses Raymond James ($1.05B) as custodian for its separately managed accounts. Cofg Advisors has custody of $115M in client assets for 50 clients.
- Raymond JamesRaymond James & Associates, Inc. · St. Petersburg, FL · $1.05B100%
At year end, Cofg Advisors’ separately managed accounts were mostly in funds (80%) and stocks (16%). Its reported 13F holdings for the quarter ended 30 June 2026 total $579M across 319 positions; the largest are Dbx ETF TR (5.3%), Apple Inc. (5.0%) and Innovator ETFS Trust (4.9%).
What the accounts hold
- Stocks16%
- Funds80%
- Registered funds78%
- Pooled vehicles2%
- Bonds1%
- Cash2%
- Other1%
- Annuities1%
Reported 13F holdings
- $579M
- Reported 13F value
- 319
- Positions
- 39.4%
- In the 10 largest
- +43.3%
- Value vs. prior quarter
- Dbx ETF TR · Xtrack MSCI Eafe5.3%
- Apple Inc.5.0%
- Innovator ETFS Trust · Nasdaq 100 Mana4.9%
- State Str SPDR S&P 500 ETF T · TR Unit4.5%
- Innovator ETFS Trust · US Eqty Bufr Jan4.0%
- Innovator ETFS Trust · US EQT Bufr Apr3.5%
- Innovator ETFS Trust · US Eqty Buf Oct3.4%
- Innovator ETFS Trust · US Eqty Bufr Jul3.4%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt3.1%
- Nvidia Corporation2.3%
Together, the ten largest are 39.4% of reported value.
How many clients does Cofg Advisors have?
Cofg Advisors has 1,380 clients and manages $1.21 billion for them, as of February 2026. They include 1,147 individual clients, 189 high-net-worth individuals, and 24 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 18 February 2026
What services does Cofg Advisors offer?
Cofg Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, business succession planning, education planning, estate planning, and insurance.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Cofg Advisors charge?
Cofg Advisors charges 0.65%–1.25% a year for its Wealth management services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Which custodians does Cofg Advisors use?
Cofg Advisors’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $1.05B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 February 2026
How many financial advisors does Cofg Advisors have?
Cofg Advisors has 9 investment adviser representatives registered with state securities authorities, out of 19 employees, and 9 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cofg Advisors invest in?
At the end of its last fiscal year, Cofg Advisors’ separately managed accounts held 78% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities, 2% pooled vehicles (private funds and similar), 2% cash and equivalents, 1% U.S. government and agency bonds and 1% other. The 1% other category is described as: Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cofg Advisors?
Cofg Advisors is owned through holding companies by Jae Ha, John Ferrante, Brett Sherpan and Brendon Pierce. Its direct owners are Cofg Brokerage, Inc. (50% to 75%), Jae Ha Wealth Management, Inc. (10% to 25%), Jaf Wealth Management, Inc. (10% to 25%), BSWM, Inc. (5% to 10%), KPW Holdings, Inc. (5% to 10%), Fox Hill Ventures, LLC (5% to 10%), Frank Kautzky (5% to 10%) and David Navarro (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 18 February 2026
How does Cofg Advisors get paid?
Cofg Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Cofg Advisors?
Cofg Advisors’ main office is at 903 Commerce Drive,, Suite 300, Oak Brook, IL 60523. Its phone number is 630-954-5572. Its website is cofgroup.com.