Sandpoint, ID Office

Coho Advisory Services serves individual and high-net-worth clients, managing roughly $52 million across about 150 client relationships. The firm provides portfolio management, comprehensive financial planning, and retirement-plan consulting for individuals and plan sponsors, including 401(k) and IRA services.

Coho applies modern portfolio theory with a core passive allocation complemented by tactical active adjustments and documents objectives in individualized Investment Policy Statements. It offers both discretionary and non-discretionary management, but the majority of assets are held on a non-discretionary basis and the firm uses a co-advisory relationship with AssetMark to access third‑party managers and model portfolios.

Compared with many peer team firms, Coho’s asset base is notably weighted toward non-discretionary accounts (approximately $37.8 million non-discretionary versus $14.6 million discretionary), which influences trade implementation and client interaction. The firm requires clients to custody assets with specified custodians (Schwab, Fidelity, or AssetMark Trust), does not aggregate block trades across client accounts, and facilitates estate-planning services via third‑party providers while some representatives are also licensed insurance agents under common ownership.