Investment Advisory · Brokerage & Trading

Brokerage & Trading Services — engineered for medical professionals.

As a healthcare professional, your primary focus is patient outcomes. Managing a sophisticated investment strategy requires a comparable level of clinical precision, time, and ongoing analysis.

To support your financial health, our firm provides institutional-grade trading and custody infrastructure tailored to Physicians, Surgeons, Nurses, and Allied Health Professionals. Through our strategic partnerships with Altruist Financial LLC and Charles Schwab on the Cognis Wealth Platform\u2122.

Execution Models

Your level of engagement.

We recognize that medical professionals possess varying preferences for financial oversight, ranging from active personal interest to full delegation. We support both pathways seamlessly.

Advisor-Assisted (Model Portfolios)

We offer both non-discretionary and discretionary trading so you can choose the level of delegation that fits your comfort.

Non-Discretionary Trading

We build recommendations and execute only with your approval on each trade. You retain final sign-off on every transaction while benefiting from our model portfolio construction and ongoing analysis.

Discretionary Trading

You grant us written authority to manage your portfolio directly — deploying sophisticated, risk-adjusted model portfolios tailored to your career stage, with systematic rebalancing, dividend reinvestment, and asset allocation handled on your behalf.

Self-Directed Trading

Maintain absolute autonomy over your capital. Utilize the advanced digital portals and mobile applications provided by our custodial partners to research, execute, and monitor your personal market strategies at your own convenience.

Multi-Custodial Infrastructure

By utilizing both Altruist and Charles Schwab as brokers-of-record, we align your assets with the platform that best serves your logistical and financial requirements.

Operational Feature	Altruist Framework	Charles Schwab Framework
Optimized For	Digital-first efficiency, seamless mobile access, and rapid automated model execution.	Robust institutional clearing architecture, comprehensive global asset access, and deep fixed-income desks.
Transaction Fees	$0 commission on online U.S. equities, options, and ETFs.	$0 commission on online U.S. equities, options, and ETFs.
Fractional Equities	Full fractional integration down to the exact dollar to prevent cash drag.	Fractional share capabilities available for eligible securities to prevent cash drag.
Regulatory Guardrails	SEC-registered broker-dealer; Member FINRA / SIPC.	SEC-registered broker-dealer; Member FINRA / SIPC.

Strategic Advantages

Strategic advantages for healthcare practitioners.

Elimination of Transaction Costs

With $0 commissions, 100% of your investment capital enters the market immediately, optimizing long-term compounding.

Turnkey Model Portfolios

Our proprietary and institutional models are built to address unique physician and nursing financial archetypes, balancing tax efficiency (crucial for high earners) with target risk metrics.

Time Asymmetry Resolution

Your clinical schedule demands irregular, intensive hours. Our advisor-assisted framework monitors and maintains your portfolio automatically, ensuring your financial strategy never suffers from neglect.

Institutional Safeguards

Your assets reside securely with leading financial custodians, utilizing institutional-grade security, data encryption, and regulatory compliance.

Regulatory Compliance Disclosures

Commission-free trading refers specifically to $0 commission online trades for U.S. listed stocks, ETFs, and options executed via our partner custodians. External expenses, including underlying fund expense ratios, account maintenance fees, or statutory regulatory fees, may apply. Review the Altruist Fee Schedule and the Charles Schwab Pricing Guide for an exhaustive breakdown.

Custody, execution, and clearing services are provided independently by Altruist Financial LLC and Charles Schwab, separate and unaffiliated SEC-registered broker-dealers and members of FINRA/SIPC. Fiduciary investment advisory services are offered solely by our firm.

Ready to put this into action?

Schedule a free consultation with a Cognis fiduciary advisor.

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