{"url":"https://nivawealth.com/firms/cosey-financial-services-140175","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/140175","regulatoryAum":123677943,"crd":"140175","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4032305","suffix":null,"lastName":"COSEY","firstName":"ANTHONY","middleName":"EUGENE"},{"crd":"228889","suffix":null,"lastName":"GREENE","firstName":"DONALD","middleName":"ROBERT"},{"crd":"4973225","suffix":null,"lastName":"PUCKETT","firstName":"RANDY","middleName":"LYNN"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-12","regulatoryAum":107215602,"clients":335,"employees":5,"offices":2},{"filedOn":"2022-03-15","regulatoryAum":155975734,"clients":463,"employees":5,"offices":2},{"filedOn":"2023-05-03","regulatoryAum":110873280,"clients":934,"employees":5,"offices":3},{"filedOn":"2024-05-07","regulatoryAum":103704778,"clients":338,"employees":6,"offices":3},{"filedOn":"2025-03-03","regulatoryAum":119053826,"clients":381,"employees":6,"offices":3},{"filedOn":"2026-02-25","regulatoryAum":123677943,"clients":404,"employees":6,"offices":3}],"secFileNumber":"801-120768","legalName":"Cosey Financial Services, Inc.","displayName":"Cosey Financial Services","slug":"cosey-financial-services-140175","website":"https://coseyfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/140175/c25ee4e788f013f2-r1.webp","tone":"light","width":730,"height":200,"sourceUrl":"https://www.coseyfinancial.com/","sourceLabel":"Cosey Financial Services, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Tennessee corporation","fiscalYearEnd":"December","headquarters":{"street":"118 Huxley RD, Suite 5","city":"Knoxville","state":"TN","stateName":"Tennessee","country":"United States","postalCode":"37922"},"tradeNames":[],"registration":{"secApproved":"9 April 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":283848.1584415584,"staff":{"employees":6,"advisory":3,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":123677943,"discretionary":99998317,"discretionaryAccounts":825,"nonDiscretionary":23679626,"nonDiscretionaryAccounts":83,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":343,"regulatoryAum":46936105},{"label":"High-net-worth individuals","clients":42,"regulatoryAum":62345436},{"label":"Banking or thrift institutions","clients":null,"fewerThan5":true,"regulatoryAum":1178677},{"label":"Pension and profit-sharing plans","clients":14,"regulatoryAum":12649169},{"label":"Charitable organizations","clients":0,"fewerThan5":true,"regulatoryAum":270206},{"label":"Corporations and other businesses","clients":5,"regulatoryAum":298350}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011910","versionId":1011910,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-25","documentName":"FORM ADV PART 2A - FIRM BROCHURE - COSEY FINANCIAL SERVICES","fee_rate_low":null,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and consulting","summary":"Billed hourly up to $400 per hour, or as flat fees, generally up to $5,000 for personal financial planning.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011910","versionId":1011910,"submittedOn":"2026-02-25","documentName":"FORM ADV PART 2A - FIRM BROCHURE - COSEY FINANCIAL SERVICES"},{"role":"other","program":"Retirement plan consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011910","versionId":1011910,"submittedOn":"2026-02-25","documentName":"FORM ADV PART 2A - FIRM BROCHURE - COSEY FINANCIAL SERVICES"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:25:49.577283+00:00","documents":[{"name":"FORM ADV PART 2A - FIRM BROCHURE - COSEY FINANCIAL SERVICES","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011910","versionId":1011910,"submittedOn":"2026-02-25"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":99998317}],"custodyNote":"Cosey Financial Services has custody of $23.5M in client assets for 110 clients.","otherCustodians":[],"leadership":[{"name":"Anthony Cosey","title":"President/Chief Compliance Officer","crd":"4032305"}],"ownership":[{"label":"Anthony Cosey","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since January 2006."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"Tennessee","offices":3,"addresses":[{"street":"118 Huxley RD, Suite 5","city":"Knoxville","headquarters":true},{"street":"1705 19th Ave","city":"Nashville"},{"street":"131 Saundersville RD.","city":"Hendersonville"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"865-470-4244","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"Non-exchange-traded equity securities","percent":15},{"label":"U.S. state and local bonds","percent":3},{"label":"Investment grade corporate bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":50},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"25 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/140175/PDF/140175.pdf","brochureDate":"25 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011910","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Cosey Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cosey Financial Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Cosey Financial Services charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cosey Financial Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cosey Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cosey Financial Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Cosey Financial Services?","answer":"Cosey Financial Services’ direct owner is Anthony Cosey (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cosey Financial Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Cosey Financial Services?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}