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Cote Financial Management

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Client assets under management

$149,617,239

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Clients

132

21% high-net worth

Advisors

2

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

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Clients per advisor

66

High

Average account size

$1,133,464

About

Cote Financial Management, LLC is a fee‑only registered investment adviser that provides non‑discretionary investment advisory services and integrated personal financial planning to individuals, trusts, estates, charitable organizations, pension and profit‑sharing plans, and business entities. Typical financial planning clients are expected to have a net worth in excess of $500,000, though exceptions may be made at the firm’s discretion.

The firm emphasizes diversified, asset‑allocation strategies implemented primarily with mutual funds and ETFs, using an efficient‑frontier optimization process and fund selection criteria such as expense ratio, performance, style, tenure and turnover. CFM obtains client goals and risk profiles through in‑depth interviews and questionnaires and requires client authorization for each trade; it reports managing approximately $151.2 million on a non‑discretionary basis as of 12/31/2025.

Distinctive aspects of CFM include its predominantly non‑discretionary model and explicit policies that it does not take custody or vote proxies for clients—practices that are less common among similar supported firms. The brochure also notes the firm’s reliance on Schwab Institutional for custody and operational support and includes an explicit disclosure about the potential investment risks from tariff policies, indicating attention to specific macroeconomic and operational considerations.

Client services

Financial planning Portfolio management

Expertise

Wealth management Passive / index investing Active portfolio management

Fee options

Percentage

$0 - $1,500,000: 1.00% $1,500,000 - $2,500,000: 0.90% $2,500,000 - $5,000,000: 0.80% $5,000,000+: 0.70%

Project-based

$350 per hour, negotiable

Other

Fee-only: 1.00% to 0.70% of assets under management, negotiable; no commissions or performance fees

Main office location

Cote Financial Management

Wenham MA, United States

Number of offices

1

Most active in

More info

Massachusetts · New Hampshire · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 978-767-9501

Advisors at this firm

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Garrett B

Series 65

Wenham, MA

Cote Financial Management

Garrett Burgess is a financial advisor at Cote Financial Management with a Series 65 designation and no prior industry experience. Before joining Cote Financial Management in 2024, he worked at the Massachusetts Commission for the Blind and the Polus Center for Social and Economic Development, and spent seven years at the University of Massachusetts at Lowell. Cote Financial Management is a fee-only advisory firm that provides non-discretionary investment advice and integrated financial planning to individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and business entities. The firm emphasizes diversified, asset-allocation portfolios and treats client accounts as a single integrated portfolio, managing approximately $131.6 million on a non-discretionary basis.

Wealth management Passive / index investing Active portfolio management
user avatar

Stephen C

CFP®, Series 66

Wenham, MA

Cote Financial Management

Stephen Cote is a CFP® and Series 66 holder with 22 years of experience in financial advising. He has been leading Cote Financial Management since 2010. Cote Financial Management is a fee-only advisory firm providing non-discretionary investment advice and integrated financial planning to individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and business entities. The firm emphasizes diversified, asset-allocation portfolios using efficient-frontier optimization, mutual funds, ETFs, and fundamental research, managing approximately $131.6 million on a non-discretionary basis.

Wealth management Passive / index investing Active portfolio management
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