Montague "Cosmo" Boyd operates with a simple, powerful belief: real financial guidance is rooted in genuine care and built on trust. Since 1977, Cosmo has helped individuals and families navigate their financial lives with honesty, humility, and heart. His approach is rooted in sincerity, not sales, and he believes people deserve a partner who takes their future personally.
Cosmo's dedication to his clients led him to become an independent advisor in 2021, allowing him to serve without compromise and focus on the values that matter most. Beyond his decades of experience, he stays at the forefront of the industry through memberships in forward-thinking groups like the Genius Network and Abundance 360, fueling his vision, sparking meaningful conversations, and helping him bring cutting-edge insights back to the clients he serves.
Today, Cosmo mentors the next generation of leadership, including his daughters Emily and Thiot, building something enduring: a practice grounded in care, curiosity, and an unshakable commitment to doing what's right.
Learn more about Cosmo's financial planning philosophy here.
Emily brings strategy, empathy, and a deep family legacy to her role as Managing Director at The 680 Group.
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Jana, our Director of Client Services at The 680 Group, has brought warmth, clarity, and calm to every interaction.
Beth brings steady leadership, operational expertise, and a deeply personal approach to her role as Director of Operations.
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Robin may have spent two decades as the CEO of her household, but she's no stranger to managing people, priorities, and big-picture plans.
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As Director at The 680 Group, Thiot brings a teacher's heart and a tech-savvy mind to everything she does.
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A board built on integrity and experience.
In true Cosmo Boyd fashion, leadership is about doing what's right, not just what's expected. This is why Cosmo made the intentional decision to establish a Board of Directors for The 680 Group.
The board serves as an added layer of guidance, accountability, and long-term vision. This is one more way Cosmo ensures the business operates with the highest level of integrity, transparency, and care, not just for today but for years to come.
Each board member was personally selected for their deep experience and strong character, bringing decades of insight from across the financial industry. Their backgrounds include key roles as mutual fund representatives, branch managers, and senior officers at respected financial institutions. Together, they provide wise counsel and continuity in a constantly evolving financial world.
More than just a formality, our board reflects Cosmo's unwavering commitment to serving his clients.
*The individuals and entities listed below are not affiliated with The 680 Group or Independent Advisor Alliance.
Vince works with top-performing Financial Advisors, Teams, and Firms on successfully streamlining and growing their businesses. He utilizes his 20+ years of leadership experience in the financial services industry to help clients focus on differentiating their practice for business development.
As a new advisor, Vince organically grew a practice into a $500,000 business in his first 4 years with Merrill Lynch and then Smith Barney. His growth in business and management responsibilities culminated in 5 offices, 60+ advisors and $4 billion in client assets. In 2010, Vince and a partner conceived, developed, and launched a web-based service to connect buyers and sellers of privately held bank stock. BancList continues under new leadership today. In 2011, Vince was offered a position with Stephens Inc. to establish and build a Private Client Office in Atlanta. The office experienced tremendous growth during his 4 years as Branch Manager. On January 1, 2026, he acquired and began rebuilding RC Whatley & Company, a consulting firm.
John Rhett has more than 44 years of investment banking and brokerage experience and has recently retired as the Chairman and CEO of SunTrust Investment Services. His career began at Merrill Lynch in New York as an institutional trader on the municipal bond desk. In 1980, Mr. Rhett joined the investment banking firm, Robinson-Humphrey, where he was head of Municipal Trading and Marketing for six years. After an eight-month internship as an over-the-counter and block trader, he was named manager of the firm's North Atlanta retail brokerage office, eventually operating under the Smith Barney structure. He held this position until 1999. Mr. Rhett was an Angel Investor and Advisor for private, growing businesses and enterprises.
In August 2001, Mr. Rhett launched a new brokerage firm, Alexander Key Investments, a subsidiary of SunTrust Capital Markets, to focus on corporate and corporate executive clients of the investment bank. In 2005, he merged Alexander Key Investment of SunTrust Securities to form SunTrust Investment Services with over 5,000 Financial Advisors overseeing $40 billion in client assets. Additionally, Mr.. Rhett was responsible for SunTrust's insurance efforts through SunTrust Insurance Services. He held these positions until his retirement in 2013.
In September of 2013, Mr. Rhett joined both Red Rock Strategic Partners and Red Rock Advisory Group as their Chairman and Senior Managing Director. These businesses are dedicated to advising financial institutions and private business owners on the complex strategic decisions that confront them in these unprecedented times.
The 680 Group is proud to partner with Independent Advisor Alliance (IAA), a leading financial services firm dedicated to supporting financial advisors like us.
This partnership provides us with leading technology, investment resources, and back-office and compliance support, so we spend less time on administrative tasks and more time focused on you. This ensures we can provide you with a truly personalized and exceptional experience, answer your questions, and help you feel confident in your financial plan.