Cogent Private Wealth provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 26–50 clients last fiscal year.
Cogent Private Wealth reports 110 clients. They include 47 high-net-worth individuals, 38 individual clients, and 14 pension and profit-sharing plans. Of its assets, 87.8% ($220M across 249 accounts) are managed with discretion; $30.6M across 15 accounts are not. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 35% | 9% |
| High-net-worth individuals | 43% | 67% |
| Pension and profit-sharing plans | 13% | 13% |
| Charitable organizations | 5% | 3% |
| Corporations and other businesses | 5% | 8% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 38 | $23.7M | 9.5% | $624K |
| High-net-worth individuals | 47 | $167M | 66.6% | $3.55M |
| Pension and profit-sharing plans | 14 | $32.7M | 13.0% | $2.33M |
| Charitable organizations | 6 | $8M | 3.2% | $1.33M |
| Corporations and other businesses | 5 | $19.1M | 7.6% | $3.82M |
| Total | 110 | $250M | 100% | $2.28M |
- Clients
- 38
- Regulatory AUM
- $23.7M
- AUM share
- 9.5%
- Avg. per client
- $624K
- Clients
- 47
- Regulatory AUM
- $167M
- AUM share
- 66.6%
- Avg. per client
- $3.55M
- Clients
- 14
- Regulatory AUM
- $32.7M
- AUM share
- 13.0%
- Avg. per client
- $2.33M
- Clients
- 6
- Regulatory AUM
- $8M
- AUM share
- 3.2%
- Avg. per client
- $1.33M
- Clients
- 5
- Regulatory AUM
- $19.1M
- AUM share
- 7.6%
- Avg. per client
- $3.82M
Total
- Clients
- 110
- Regulatory AUM
- $250M
- AUM share
- 100%
- Avg. per client
- $2.28M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Cogent Private Wealth is paid through a percentage of assets under management and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Fixed fee calculated as the expected hours times a $450 hourly rate, with a minimum annual fixed fee of $4,000.
- Pension Consulting Services
- Retirement plan 3(21) fiduciary services are charged an annual management fee of 0.25% of plan assets, payable quarterly in arrears.
Cogent Bancorp, Inc. owns 75% or more of Cogent Private Wealth. It has 8 employees, 5 of them in advisory roles.
Leadership
- Bradley LacoreSVP, Director of Wealth Management and CCO
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
- Derek Justin Collins
- Bradley R Lacore
- Kevin Michael Mayo
- Daniel Quartararo
- Ashley Elizabeth Vann
Staff
- 8 employees
- 5 in advisory functions
- 5 state-registered reps
- 1 insurance agent
- 31 soliciting firms
- Owns 75% or more of Cogent Private Wealth, Inc.
Cogent Bancorp, Inc.
Control person · since February 2022
Cogent Private Wealth’s regulatory assets grew 1.8× from $141M (April 2025) to $250M (March 2026); clients rose from 65 to 110 and employees from 5 to 8.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $250M | 110 | 8 | 2 |
| April 2025 | $141M | 65 | 5 | 1 |
Besides its headquarters, Cogent Private Wealth has 1 office, with 2 listed addresses in Florida.
Florida · 2 listed addresses
- 420 S. Orange Ave., Suite 825, OrlandoHQ
- 4 Se Broadway St., Ocala
Contact and registration details
- Legal name
- Cogent Private Wealth, Inc.
- Headquarters
- 420 S. Orange Ave., Suite 825, Orlando, FL 32801
- Website
- cogentprivatewealth.com
- Phone
- 407-887-4965
- SEC file
- 801-132819
- Structure
- Florida corporation
- Fiscal year end
- December
Cogent Private Wealth uses Charles Schwab ($220M) as custodian for its separately managed accounts. Cogent Private Wealth does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $220M100%
At year end, Cogent Private Wealth’s separately managed accounts were mostly in funds (56%) and stocks (24%). Its reported 13F holdings for the quarter ended 30 June 2026 total $160M across 117 positions; the largest are American Centy ETF TR (7.1%), American Centy ETF TR (6.6%) and Dimensional ETF Trust (4.8%).
What the accounts hold
- Stocks24%
- Funds56%
- Bonds7%
- U.S. government and agency bonds5%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash13%
Reported 13F holdings
- $160M
- Reported 13F value
- 117
- Positions
- 41.4%
- In the 10 largest
- +15.5%
- Value vs. prior quarter
- American Centy ETF TR · Avantis Core FI7.1%
- American Centy ETF TR · Avantis Moderat6.6%
- Dimensional ETF Trust · World EX US Core4.8%
- American Centy ETF TR · US EQT ETF4.3%
- iShares TR · Core 60 Bala ETF3.8%
- Dimensional ETF Trust · Core Fixe IN ETF3.4%
- American Centy ETF TR · Avantis All EQT3.2%
- Dimensional ETF Trust · Ultr Fix Inc. ETF3.1%
- Vanguard Index Fds · S&P 500 ETF Shs2.8%
- Nvidia Corporation2.3%
Together, the ten largest are 41.4% of reported value.
How many clients does Cogent Private Wealth have?
Cogent Private Wealth has 110 clients and manages $250 million for them, as of March 2026. They include 47 high-net-worth individuals, 38 individual clients, and 14 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Cogent Private Wealth offer?
Cogent Private Wealth provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Cogent Private Wealth use?
Cogent Private Wealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $220M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Cogent Private Wealth have?
Cogent Private Wealth has 5 investment adviser representatives registered with state securities authorities, out of 8 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cogent Private Wealth invest in?
At the end of its last fiscal year, Cogent Private Wealth’s separately managed accounts held 56% registered funds (mutual funds, ETFs, BDCs), 24% exchange-traded equities, 13% cash and equivalents, 5% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cogent Private Wealth?
Cogent Private Wealth’s direct owner is Cogent Bancorp, Inc. (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Cogent Private Wealth get paid?
Cogent Private Wealth is paid through a percentage of assets under management 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 Cogent Private Wealth?
Cogent Private Wealth’s main office is at 420 S. Orange Ave., Suite 825, Orlando, FL 32801. Its phone number is 407-887-4965. Its website is cogentprivatewealth.com.