A complete list of active advisors currently associated with Cote Financial Management

Warmer can help you find a great advisor at Cote Financial Management or one who fits your needs even better.

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.

To learn more about the advisors currently working at Cote Financial Management, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.