High Taxes
Proactive tax-loss harvesting, entity structuring, and year-round tax advisory keep more of every dollar you earn.
Fee-Only · Fiduciary
Advanced Wealth Management Tailored for Medical Professionals.
Cognis Retirement Group delivers institutional-grade wealth management built around your healthcare career — pairing a low-cost public market core with elite private market access and total household planning.
- 2014
- Year Established
- 100%
- Fiduciary Standard
- 12 yrs
- Serving Healthcare
The Healthcare Financial Reality
Distinct pressures. A holistic answer.
Healthcare professionals face a financial reality most advisors don't understand. We built our practice around solving it.
Asset Protection Needs
Multi-tier liability structuring and entity planning shield your practice, your license, and your personal assets.
No Time to Manage It
A dedicated fiduciary team handles planning, implementation, and ongoing oversight — so you focus on patients and family.
The Public + Private Advantage
Standard retail portfolios stop at the public markets. We don't.
Most advisors build portfolios from publicly traded stocks and bonds. CRG pairs that low-cost public core with institutional-grade access to private equity, private credit, and infrastructure — allocations historically reserved for endowments and family offices.
- Institutional infrastructure access
- Curated private equity & venture capital
- Private credit & alternative yield
- Proactive tax-loss harvesting
Public-Only vs. Public + Private Portfolio
Illustrative · cumulative growth, indexed to 100
Public + Private Public Only
Diversification
Private assets have low correlation to public markets, reducing overall portfolio risk.
Enhanced returns
Access to private equity and credit historically adds a return premium over public-only investing.
Smoother ride
Less mark-to-market volatility means fewer emotional decisions during public-market drawdowns.
Better risk-adjusted growth
The blended path delivers a higher Sharpe ratio — more return per unit of risk taken.
Our Core Pillars
Three disciplines. One coordinated plan.
Total Household Wealth Management
Coordinated planning across every account, entity, and generation — from cash flow to estate.
- Goals-based financial planning
- Holistic tax advisory
- Multigenerational estate planning
Investment Solutions
A low-cost, tax-efficient public market core paired with elite private market alternative allocations.
- Public + private portfolio design
- Tax-efficient trading
- Institutional due diligence
Retirement Advisory
Individual retirement planning and 401(k) plan design for practices, hospitals, and institutions.
- Individual retirement planning
- 401(k) plan design & ERISA
- Plan sponsor & participant support
Our Fiduciary Approach
A legal obligation to put you first. A culture built to honor it.
"Fiduciary" is not a marketing term at CRG — it is the legal and ethical foundation of every engagement. As a fee-only Registered Investment Advisor, we are held to the highest standard of care in the financial industry.
Fee-Only, Always
We earn no commissions. Our only revenue is a transparent advisory fee, aligning our success directly with yours.
Fiduciary First
We are legally bound to act in your best interest — not once, but at every recommendation, every decision, every time.
Total Transparency
Open reporting on fees, holdings, and performance. You see exactly what we see, when we see it.
Household-Centric
We manage your complete household balance sheet — not just a portfolio — across your entire career arc.
Featured Resources
Start with our most-read whitepapers.
Two foundational reads our healthcare clients return to most — free to download, written by fiduciary advisors.
Whitepaper 14 min read
Physicians & SurgeonsPrivate Credit: Yield Beyond Public Bonds
A deep dive into private credit structures, risk-adjusted yield, and where it fits in a physician's portfolio.
Whitepaper 11 min read
Nursing & Allied HealthAlternative Assets 101 for Allied Health
An accessible primer on private market alternatives and how they fit smaller-account portfolios.
Interactive Diagnostic
Healthcare Financial Vital Signs
A two-minute assessment that branches to match your role's unique financial complexities — and produces a personalized starting point.
Question 1 of 76 questions remaining
What is your healthcare role?
Client Portal
Secure access to your complete financial picture.
Existing clients can access portfolio performance, private market allocations, documents, and meeting records through our encrypted portal.
- 256-bit encrypted access
- Real-time portfolio & performance reporting
- Private market allocation tracking
- Secure document vault