Cogence is the first global discretionary fund manager in South Africa. It marries the expertise of Discovery, whose behaviour-change platform is the largest of its kind, and BlackRock, one of the world's leading asset managers. Cogence then combines this expertise with the local investment management expertise of RisCura, who intimately understands the local market within a global context. Using Aladdin Wealth™, BlackRock's industry-leading investment and risk technology platform, and Vitality insights and data, Cogence is the world's first discretionary fund manager that fully models retirement solutions, taking health experience into account. Cogence is backed by technology that brings clarity to the world's financial ecosystem and using the advantage of intelligent reporting and personalised insights. In this way, Cogence gives you, as a financial adviser, the time and tools you need to better guide your clients’ financial futures. The Future of wealth management has arrived. Will you come onboard? Visit www.cogence.co.za for more.