Cognis Retirement Group® ("CRG®") is a state registered investment advisor (RIA) based in Scottsdale AZ with branch offices in Greenwood Village CO and Orlando FL. We specialize in tailored DC plan solutions for employers, including 401(k), 403(b), 457; and retirement income solutions for plan-participants and private investors.
We deliver our solutions through a fiduciary best-practices framework augmented by personalization, innovation, investor education, and financial wellness.
Our mission is to inspire plan-participants toward a financially secure retirement and partner with plan-sponsors to enhance plan-health and optimize retirement outcomes.
We provide ERISA 3(21) fiduciary advice to retirement plan-sponsors as well as personalized advisory services to plan participants in 401(k), 403(b), and 457 plans.
Cognis Retirement Group® acknowledges, in writing, our role as an ERISA 3(21) fiduciary to the plan. Our focus is on empowering plan-participants to achieve retirement-readiness while partnering with plan-sponsors to enhance plan-health and mitigate fiduciary risk.
Our Personalized Retirement Accounts (PRAs) solution is targeted at those clients who appreciate the notion that no two plan-participants are alike. PRAs are an innovative qualified default solution tailored to each plan-participant as an alternative to traditional target date funds (TDFs).
Personalization in DC plans significantly improves the odds that each plan-participant will achieve retirement-readiness.
Few investment challenges are as daunting as planning for retirement - a process that can extend six decades or more from beginning to end with conflicting needs, unknowable variables, and individual uniqueness.
The key objective for investors facing retirement is the comfort of knowing that they can sustain their desired life-style through retirement, without the fear of running out of money.
CRG's retirement income solutions seek to provide you with simple check replacement strategies that deliver predictable income and long-term growth that lasts through retirement.
We design comprehensive retirement income plans for non-retirees, pre-retirees, and retirees - including target retirement income forecasting, savings goals, and asset allocation recommendations tailored to each investor's unique circumstances and needs.
You receive a documented retirement income roadmap that empowers you to retire your way.
Our main investment objective is to simplify and customize the process for our clients at reasonable cost. To deliver on that promise, we built an ETF Model-based practice.
ETFs are the next level in access, flexibility, and cost containment in the DC Plan space.
We build 3-dimensional ETF-Model portfolios that expand our asset allocation beyond stocks and bonds by including alternative investments such as commodities, metals, and real-estate in a global allocation framework.
Our risk-based ETF model portfolios are comprehensive, ready-to-implement investment solutions that provide broad diversification, low volatility, enhanced returns, and efficiency at very low cost.
As an ERISA 3(38) Investment Manager to plan-sponsors and participants, we strongly believe that professionally managed, risk-based ETF portfolios in conjunction with personalized investment advice is an ideal solution for today’s DC Plans.
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Cognis Retirement Group® (“CRG®”) is a State Registered Investment adviser (RIA), pursuant to the Investment Advisers Act of 1940, as amended, with principal offices in Scottsdale AZ, and branch offices in Greenwood Village CO and Orlando FL.
CRG® and its representatives are in compliance with the current filing requirements placed upon registered investment advisers by those states in which CRG® maintains clients. Copies of CRG’S current written disclosure brochure (Form ADV-Part 2A) and client relationship summary (Form CRS) discussing CRG’s business operations, services, fees, and client relationships are available from Cognis Retirement Group® upon request or may be downloaded from this site under our Legal Disclosures.
This website contains general information about our investment advisory services. It does not constitute an offer to sell investment products or provide advisory services in any jurisdiction in which such offer would be unlawful under the securities laws of such jurisdiction. The information on this site is for informational purposes only and should not be construed as financial, investment, legal, tax, or other advice.
By accessing this website, you agree to be bound by the above terms and conditions.