WHAT IS COGENT? Definition: Clear, Logical & Convincing. When Your Best Interest is Your Advisor's Only Interest - That's COGENT. We're a group of financial planners and investment advisors united behind the belief that your best interests must always come first. Limiting conflicts of interest with you is paramount to ensuring this happens. This is why we've adopted a fee-only business model. This means we're commission-free advisors who don't sell products or answer to sales managers. We only get paid by you - not sometimes or even most of the time - but all the time. This way we aren't tempted to recommend solutions that may pay us more. Also, we are held to a fiduciary standard 100% of the time. This means we are always obligated to place your best interests first.