D
Dorothy J. Cole
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$92,453,082
Clients
53
64% high-net worth
Advisors
1
of 5 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
53
TypicalAverage account size
$1,744,398
About
Dorothy J. Cole is a fee-only advisory firm that provides personalized comprehensive financial planning and investment management to individuals, trusts, estates, charitable organizations and small- to medium-sized businesses. The firm reports managing approximately $92.45 million in client assets for about 53 client families and offers comprehensive plans, ongoing asset-management services, and one‑time special-project engagements covering financial position, protection, investment, tax, retirement and estate matters.
The firm operates on a strictly non-discretionary model: it does not act as custodian, does not accept discretionary trading authority, and implements recommendations only with client approval while clients retain custody at their chosen custodians. Investment analysis combines fundamental, technical and cyclical methods with both top‑down and bottom‑up perspectives to construct diversified, “all‑weather” portfolios tailored to each client’s goals, time horizon and risk tolerance.
Noteworthy differences from many peers include the firm’s entirely non‑discretionary asset base (no assets managed on a discretionary basis) and a requirement that clients enrolling in ongoing asset management have a completed comprehensive financial plan no more than 30 days old. The firm also does not deduct fees from client accounts, does not accept commissions or soft dollars, does not routinely vote client proxies, and discloses atypical planning surcharges (for example, additional fees tied to business principals or foreign‑country circumstances) in its fee schedules.
Client services
Financial planning
Portfolio management
Selection of other advisers
Small business management
Expertise
General retirement planning
Income planning
General tax planning
Cash flow / budgeting
Fee options
Flat fees for Comprehensive Financial Planning starting at $500; Ongoing Asset Management fees as fixed amounts per asset tiers; flat fees may apply to special projects
$0 - $50,000: $500 (single clients) or $600 (client couples) base fee for Comprehensive Financial Planning $50,000 - $100,000: $500 + 0.75% over $50,000 (single clients); $600 + 1.00% over $50,000 (client couples) for Comprehensive Financial Planning $100,000 - $300,000: $875 + 0.55% over $100,000 (single clients); $1,100 + 0.75% over $100,000 (client couples) for Comprehensive Financial Planning $300,000 - $1,000,000: $1,975 + 0.35% over $300,000 (single clients); $2,600 + 0.50% over $300,000 (client couples) for Comprehensive Financial Planning $1,000,000 - > $1,000,000: $4,425 + 0.20% over $1,000,000 (single clients); $6,100 + 0.30% over $1,000,000 (client couples) for Comprehensive Financial Planning $0 - $15,000: $250 flat Annual Ongoing Asset Management Fee $15,000 - $350,000: $500 flat Annual Ongoing Asset Management Fee $350,000 - $600,000: $750 flat Annual Ongoing Asset Management Fee $600,000 - $900,000: $1,000 flat Annual Ongoing Asset Management Fee $900,000 - $1,200,000: $1,250 flat Annual Ongoing Asset Management Fee $1,200,000 - $1,500,000: $1,500 flat Annual Ongoing Asset Management Fee $1,500,000 - $1,800,000: $1,750 flat Annual Ongoing Asset Management Fee $1,800,000 - $2,100,000: $2,000 flat Annual Ongoing Asset Management Fee $2,100,000 - $2,400,000: $2,250 flat Annual Ongoing Asset Management Fee $2,400,000 - $2,700,000: $2,500 flat Annual Ongoing Asset Management Fee $2,700,000 - $3,000,000: $2,750 flat Annual Ongoing Asset Management Fee $3,000,000 - > $3,000,000: $3,000 plus 0.05% over $3,000,000 (rounded to nearest $100,000) Annual Ongoing Asset Management Fee
$120 per hour for Special Project Service Agreement and plan revision fees
Minimum fee: Comprehensive Financial Plan minimum fee $500; Annual Ongoing Asset Management minimum fee $250; Hourly Fee $120 Fee-only: Comprehensive Financial Planning fees starting at $500; Hourly fees at $120 per hour; Fixed fees for asset management as per schedule
Main office location
Dorothy J. Cole
Merrimack NH, United States
Number of offices
1
Most active in
Dorothy J. Cole has reported serving >5 clients in these states in the last 12 months.
Massachusetts · New Hampshire
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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