Your Broker Has an Opinion. So Does Everyone Else.
Your 401(k) plan gives you 30 ETF options. Your broker gives you their picks — which happen to include their own funds. Your financial advisor is selling something. None of them give you six independent specialist analyses and five neutral AI verdicts.
Cognitor doesn't pick for you. It gives you the structured research to decide for yourself.
Your Research Layer: Panel, SENIOR, PRIME — Every Week
The same protocol runs whether you invest at Fidelity, Schwab, IBKR, or anywhere else. You read the dossier; you place the trades on your platform.
Layer 1 — Panel
Six specialist lenses (monetary policy, tech & risk, geopolitics, emerging markets, fundamentals, market psychology) evaluate the weekly scenario against the same ~40 US-listed ETF universe — no cross-contamination between lenses.
Layer 2 — SENIOR
Five independent verdict pipelines deliberate on the Panel output and quantitative context for the ETFs selected for that week's edition (theses, validations, invalidations). Agreement and disagreement are both visible — not averaged away.
Layer 3 — PRIME
Fixed-protocol synthesis for that edition's focused set: consensus scenario, divergence map, risk flags, tension index. Comparable week to week so you can track how the story moves.
Built for How U.S. Self-Directed Investors Actually Decide
Cognitor is aimed at investors who want structure without sales pressure: the same analytical stack whether you tilt growth, dividend, or total market.
Too much noise, not enough synthesis
Social feeds and single-analyst notes conflict. You want one auditable pack that shows where independent specialists and verdict layers align — or split.
Broker tools stop at performance
Screens and charting show what happened. Cognitor adds macro, geopolitical, behavioral, and cross-asset context on the ETFs you already hold or shortlist.
401(k), Roth, and taxable — one process
Employer plans, IRAs, and brokerage accounts all benefit from the same Friday dossier cadence; execution stays where your accounts already live.
Works Alongside Any U.S. Brokerage
No custody, no order flow — Cognitor never touches your cash or securities. Use any broker below (or another): research here, execute there.
Cognitor is your research layer — you execute where you already invest.
Built for How Americans Actually Invest
Deep-dive pages for the four journeys we see most often from Google Ads and organic US traffic. Each links to the same underlying weekly dossier — tuned to your account type.
401(k) ETF Research
Compare your plan’s fund options with six specialist lenses.
Limited menus, fee opacity, and sponsor relationships make independent context rare. Map each line item to the ~40-ticker research universe.
Learn more →Roth IRA Strategy
Long-term ETF portfolio research for your most tax-advantaged account.
No RMDs and decades of compounding mean small analytical edges stack. Weekly Panel + SENIOR + PRIME on the tickers Roth holders actually use.
Learn more →ETF Portfolio Research
Taxable accounts: structured context before every rebalance.
When you trim winners or add to laggards, know what six independent frameworks and five verdict layers say — not just your last quarter’s return.
Learn more →Market Volatility Research
When markets move fast, see where all five SENIORs agree — and split.
Plain-language entry point to the same weekly process: briefings Mon–Thu, Friday anchor dossier, tension map when verdicts diverge.
Learn more →Tickers in the monitored universe
Representative names from the fixed ~40 US-listed ETF universe. The weekly dossier deep-dives the subset selected for that edition — inclusion here is informational, not a buy or sell recommendation. International equity exposure often sits in funds like VEA, VWO, or single-region sleeves such as EWJ.
Start Free. Upgrade When It Matters.
Free tier follows the same research cadence with delays (executive summary +24h after Pro, full dossier +7 days, briefings and daily podcasts +7 days per publish). Pro unlocks same-week access, archive, and the full Friday pack the moment it drops — about US$ 4.95/month with the current offer after a 7-day trial.
Common questions
US-specific objections we hear from self-directed investors and compliance reviewers.