Cote Financial Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$149,617,239
Clients
132
Advisors
2
of 3 employees
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
Expertise
Fee options
$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%
$350 per hour, negotiable
Fee-only: 1.00% to 0.70% of assets under management, negotiable; no commissions or performance fees
Main office
Wenham MA
Advisors at this office
2
Most active in
Massachusetts · New Hampshire · Texas
Also doing business as
Cote Financial Management · Cote Financial Management, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
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.
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.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)