Cosey Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Cosey Financial Services reports 404 clients. They include 343 individual clients, 42 high-net-worth individuals, and 14 pension and profit-sharing plans. Of its assets, 80.9% ($100M across 825 accounts) are managed with discretion; $23.7M across 83 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 85% | 38% |
| High-net-worth individuals | 10% | 50% |
| Banking or thrift institutions | Fewer than 5 | <1% |
| Pension and profit-sharing plans | 3% | 10% |
| Charitable organizations | 0% | <1% |
| Other client typesCorporations and other businesses | 1% | <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) | 343 | $46.9M | 38.0% | $137K |
| High-net-worth individuals | 42 | $62.3M | 50.4% | $1.48M |
| Banking or thrift institutions | Fewer than 5 | $1.18M | 1.0% | — |
| Pension and profit-sharing plans | 14 | $12.6M | 10.2% | $904K |
| Charitable organizations | Fewer than 5 | $270K | 0.2% | — |
| Corporations and other businesses | 5 | $298K | 0.2% | $59.7K |
| Total | 404 | $124M | 100% | — |
- Clients
- 343
- Regulatory AUM
- $46.9M
- AUM share
- 38.0%
- Avg. per client
- $137K
- Clients
- 42
- Regulatory AUM
- $62.3M
- AUM share
- 50.4%
- Avg. per client
- $1.48M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.18M
- AUM share
- 1.0%
- Avg. per client
- —
- Clients
- 14
- Regulatory AUM
- $12.6M
- AUM share
- 10.2%
- Avg. per client
- $904K
- Clients
- Fewer than 5
- Regulatory AUM
- $270K
- AUM share
- 0.2%
- Avg. per client
- —
- Clients
- 5
- Regulatory AUM
- $298K
- AUM share
- 0.2%
- Avg. per client
- $59.7K
Total
- Clients
- 404
- Regulatory AUM
- $124M
- 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
- 0
Cosey Financial Services charges up to 2.00% a year for its Asset Management. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Billed hourly up to $400 per hour, or as flat fees, generally up to $5,000 for personal financial planning.
- Retirement plan consulting
- Billed hourly up to $250 per hour, as flat fees of $750 to $10,000, or at up to 1.00% of managed plan assets.
Anthony Cosey owns 75% or more of Cosey Financial Services. The leadership team of Cosey Financial Services includes President Anthony Cosey. It has 6 employees, 3 of them in advisory roles.
Leadership
Anthony CoseyPresident/Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 insurance agents
- Owns 75% or more of Cosey Financial Services, Inc.
Anthony Cosey
Control person · since January 2006
Cosey Financial Services’ regulatory assets grew from $107M (April 2021) to $124M (February 2026); clients rose from 335 to 404 and employees from 5 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $124M | 404 | 6 | 3 |
| March 2025 | $119M | 381 | 6 | 3 |
| May 2024 | $104M | 338 | 6 | 3 |
| May 2023 | $111M | 934 | 5 | 3 |
| March 2022 | $156M | 463 | 5 | 2 |
| April 2021 | $107M | 335 | 5 | 2 |
Besides its headquarters, Cosey Financial Services has 2 offices, with 3 listed addresses in Tennessee.
Tennessee · 3 listed addresses
- 118 Huxley RD, Suite 5, KnoxvilleHQ
- 1705 19th Ave, Nashville
- 131 Saundersville RD., Hendersonville
Contact and registration details
- Legal name
- Cosey Financial Services, Inc.
- Headquarters
- 118 Huxley RD, Suite 5, Knoxville, TN 37922
- Website
- coseyfinancial.com
- Phone
- 865-470-4244
- SEC file
- 801-120768
- Structure
- Tennessee corporation
- Fiscal year end
- December
Cosey Financial Services uses Charles Schwab ($100M) as custodian for its separately managed accounts. Cosey Financial Services has custody of $23.5M in client assets for 110 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $100M100%
At year end, Cosey Financial Services’ separately managed accounts were mostly in funds (50%) and stocks (35%).
What the accounts hold
- Stocks35%
- Exchange-traded equities20%
- Non-exchange-traded equities15%
- Funds50%
- Bonds5%
- State and local bonds3%
- Investment grade corporate bonds2%
- Cash10%
How many clients does Cosey Financial Services have?
Cosey Financial Services has 404 clients and manages $124 million for them, as of February 2026. They include 343 individual clients, 42 high-net-worth individuals, and 14 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 February 2026
What services does Cosey Financial Services offer?
Cosey Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Cosey Financial Services charge?
Cosey Financial Services charges up to 2.00% a year for its Asset Management. The fee is billed in arrears and is negotiable.
Source: FORM ADV PART 2A - FIRM BROCHURE - COSEY FINANCIAL SERVICES, filed 25 February 2026
Which custodians does Cosey Financial Services use?
Cosey Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $100M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 February 2026
How many financial advisors does Cosey Financial Services have?
Cosey Financial Services has 3 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 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 Cosey Financial Services invest in?
At the end of its last fiscal year, Cosey Financial Services’ separately managed accounts held 50% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 15% non-exchange-traded equities, 10% cash and equivalents, 3% state and local bonds and 2% 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 Cosey Financial Services?
Cosey Financial Services’ direct owner is Anthony Cosey (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 February 2026
How does Cosey Financial Services get paid?
Cosey Financial Services 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 Cosey Financial Services?
Cosey Financial Services’ main office is at 118 Huxley RD, Suite 5, Knoxville, TN 37922. Its phone number is 865-470-4244. Its website is coseyfinancial.com.