Life on Your Terms: 

How Cogent Conversations Can Help Design, Build, & Protect Your Wealth.

This comprehensive resource is tailored for accomplished individuals who have succeeded and want a personalized strategy to help manage their financial futures. We will discuss our sophisticated wealth management approach, the Design |Build | Protect® method, through engaging and insightful discussions we call Cogent Conversations.

At Cogent Strategic Wealth, we understand that your hard-earned wealth represents more than just dollars; it signifies your dedication, hard work, success, and dreams for a secure, comfortable future. As fiduciary financial advisors in Chicago and Utah, we empower our clients to live on their terms using evidenced-based financial planning, strategic wealth management, and a personalized approach to their financial futures.

Cogent Conversations are at the heart of our process. These meaningful, in-depth discussions enable us to learn about your unique financial circumstances, aspirations, and concerns and tailor our services to fit your situation. By engaging in Cogent Conversations, our wealth advisors can help you navigate the complexities of wealth management, estate planning, and tax planning while maintaining the highest fiduciary standards.

This document will reveal valuable insights and actionable strategies for designing, building, and protecting your wealth. From understanding the role of a fiduciary in Chicago and Utah to optimizing wealth management, this comprehensive guide will equip you with the knowledge and tools necessary to secure your financial future and live life on your terms.

The biggest threats to your wealth ebook
Chapter 1

Why Inflation and Market Volatility Should Matter to You

recession in 2023. Power of the dollar diminishing

The  Bear market and inflationary trends we witnessed in 2022 should serve as a wake-up call for many individuals and families, highlighting the importance of wealth management for securing long-term financial stability. During these uncertain times, the impact of inflation on investments can be especially worrisome. 

With recession fears looming, it's essential to look beyond the possibility of an affluent lifestyle, which can easily lead to a false sense of security, and focus on developing a solid financial plan that helps safeguard your future.  Adopting a goals-based planning approach that considers the changing economic and financial landscapes is crucial for pursuing your financial goals. This is where Cogent Strategic Wealth comes into play. 

By working closely with our experienced financial professionals, you can create a tailored financial plan that adapts to recent market volatility and mitigates potential investment risks. Together, we can navigate the challenges of inflation and economic downturns, ensuring that your hard-earned wealth remains protected and continues to grow, in spite of what turbulence the future holds. 

With the right guidance, you can confidently pursue your financial goals and enjoy the peace of mind that you are on the right path to a successful financial future.

Chapter 2

What Are Cogent Conversations?

Cogent Strategic Wealth Conversations

Cogent Conversations are an essential aspect of the financial planning process provided by Cogent Strategic Wealth. These in-depth discussions focus on informing  high-achieving individuals and families about their financial options, enabling them to make informed decisions about their futures.  The underlying philosophy is to empower you to design your financial future while offering the support and expertise necessary to bring your vision to life. 

The Cogent Conversations approach fosters a strong relationship built on trust and understanding as you work closely with fiduciary financial professionals who provide financial advice that is in your best interests.

The Design | Build | Protect® program offered by Cogent Strategic Wealth is a unique and tailored three-step process that caters to your needs. 

During the Design phase, the focus is on you and your partner’s situation and circumstances. Together, we explore, understand and clarify your life and financial goals. By discovering, and continually rediscovering, your ever-changing values, goals and challenges, we ensure your personal and financial priorities align. We start from where you’d like to go then work back from there. Getting an accurate Life Map is not only crucial to getting to know you, but also helping us to know exactly where you’d like to go. It allows us to paint a clearer picture and ensures every step we take brings you closer to where you’d like to be.

In the Build phase, clients work with Cogent Strategic Wealth professionals to create a purposeful, adaptable financial-plan. Understanding the trade-offs and options available to you, based on where you are at and where you wish to go, so you can make decisions that align with your financial goals. By understanding the various scenarios and potential outcomes, you can enter the decision-making process with your eyes wide open, feeling confident about your financial future. As the steward of your financial future, you actively shape your future financial success. This plan will evolve as circumstances change, ensuring you are always on track to achieve your financial goals. 

The Protect phase centers on monitoring progress, identifying potential risks, and adjusting as needed. Life isn’t linear, and neither is any effective investment strategy. As your goals and values change, so do our strategies and advice. This is why we don’t provide a rigid, solitary plan, but rather a fluid, ever-evolving process — optimized to meet your changing needs.

Of course, it’s not only your needs and desires that change over time. We continually and proactively educate our clients on how changes in the markets, economy, tax legislation and the emergence of new strategies can improve their overall plan.

Chapter 3

Designing Your Financial Blueprint

wealth management charts and graphs

At Cogent Strategic Wealth, our Design | Build | Protect® process begins with Phase One: Design. In this initial stage, we take the time to sit down with you and truly understand your values, needs, and aspirations. A goals-based financial planning approach is essential for crafting a strategy tailored to your unique situation. 

The foundation of our process is built on the concept that pursuing your dreams is personal and collaborative. We will create a plan that empowers you to embark confidently on your financial adventure. Every individual's path differs, so we emphasize getting to know you and understanding your story. 

Think of your Cogent financial blueprint as your GPS that guides you to pursue your financial goals with confidence and wisdom. For someone who has won the game financially, it's the golden ticket to maintaining and nurturing your wealth in a way that aligns with your values, dreams, and goal for a secure, comfortable future. 

Such a blueprint is crucial to your ongoing financial success as it helps you stay on track, make intelligent decisions, and avoid potential pitfalls. You'll be better equipped to navigate the complex world of finance while keeping your hard-earned wealth safe, secure, and flourishing. 

By working closely with you, we gather the necessary data to map out a comprehensive plan for your financial journey - and if you're a business owner, we'll include your entrepreneurial ambitions as well.

Chapter 4

Build a Plan Tailored to Your Goals

financial plan, retirement planning

In Phase Two of the Cogent Strategic Wealth Design | Build | Protect® process, our fiduciary financial advisors in Chicago and Utah work closely with you to develop a concrete plan that simplifies your journey to pursuing your financial goals. 

Our experienced wealth advisors know the importance of clear communication and a personal touch when guiding you through these critical decisions. Your strategic wealth advisory team, comprised of fiduciary wealth managers  in Chicago and in Utah, takes the time to understand your unique circumstances and aspirations. 

Your comprehensive financial plan should empower you to pursue your goals confidently and clearly, making your financial journey more enjoyable and rewarding.

At Cogent Strategic Wealth, successful wealth management is built on trust, expertise, and a genuine connection with our clients. Our commitment to your financial well-being is unwavering, and we take pride in providing you with the personalized attention you deserve. 

With our dedicated team, you can rest assured that you have the support and guidance to navigate the complexities of wealth transfer, tax planning, and other essential aspects of your financial life. Together, we will simplify the pursuit of your financial objectives and help you build a lasting legacy for generations to come.

Chapter 5

Protect Your Wealth

retirement nest egg, design build protect

At Cogent Strategic Wealth, we understand the importance of keeping a close eye on your finances, so our strategic wealth advisors are focused on continually monitoring your financial health. 

Our unique approach, centered around Cogent Conversations, allows us to monitor your finances based on your plan effectively. By carefully tracking your financial journey, we can identify opportunities to protect your positions and make small yet effective adjustments that may be needed based on market conditions or life changes. 

We firmly believe in the power of proactive and personalized strategic wealth management. This enables us to pursue incremental changes that can impact your long-term success. 

With our expertise in goals-based financial planning and evidenced-based investing, we are committed to guiding you through life's financial twists and turns, making it possible to move confidently toward the financial future you envision.

Chapter 6

Why You Want a Fiduciary Financial Advisor

Fiduciary wealth advisor, wealth management

As a high achiever and high-income earner, you've undoubtedly put considerable effort into building wealth. But, protecting and growing that wealth is just as important as maximizing your future financial resources. This is where working with a fiduciary financial advisor can be a game-changer. 

These professionals are committed to always acting in your best interests, providing objective advice tailored to your financial goals. They possess the expertise to identify opportunities and recommend strategies that help you pursue the lifestyle you've always envisioned.

One of the key benefits of partnering with a fiduciary financial advisor is the personalized approach they bring to your financial planning. They take the time to understand your unique situation, aspirations, and risk tolerance. 

Navigating your finances through each phase of life requires more than just a plan. It requires a partner. Our advisors are with you through every step acting as a trusted confidant and fearless guide—your first phone call when something happens.

Regarding their compensation, fee-only, fiduciary financial advisors stand apart from the crowd. Unlike commission-based advisors, they are typically compensated through a fee-only model, which can be percentage of assets under advisement. From the start, your advisor will provide clear and transparent pricing information aligned with your unique scenario. We price our services on various factors, including your personal financial situation and assets managed; at each incremental breakpoint, you pay less on the dollar. This aligns their interests with yours, as their success is directly tied to your financial results. 

Moreover, their fiduciary registration holds them to a higher ethical standard, requiring them to prioritize your needs over theirs. By working with a fiduciary financial advisor, you can enjoy the peace of mind that comes from knowing your wealth is managed by a trustworthy professional dedicated to helping you pursue your financial goals.

Together, we'll pave the path  to a life that reflects your values, ambitions, and desires – truly lived out on your terms.

Success should be a reward - not an obstacle

Your ambitions and struggles are unique, so our wealth solutions go beyond the conventional – they reflect your needs and wants.