Cottage Street Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cottage Street Advisors provides discretionary investment management, comprehensive financial planning, and occasional consulting to individuals (including high‑net‑worth clients), trusts, estates, charitable trusts, and business entities. The firm operates on a fee‑only basis and develops written investment plans that are implemented with client‑specific guidelines and account restrictions when requested.
Investment decisions are driven by a fundamental, value‑oriented approach combined with a top‑down macro assessment to set asset allocation and diversification. Portfolios are managed discretionarylly using individual stocks and bonds, ETFs, municipal and taxable fixed income, tax‑aware strategies, occasional covered‑call option writing, and access to alternative investments when appropriate.
What is notable about the firm is its relatively small advisory team managing several hundred million dollars in discretionary assets and the senior team’s professional credentials (including a CFA charterholder and a CPA/MBA background). The firm also serves in trustee or bill‑payment roles for some client trusts (custody subject to independent surprise examination) and leverages custodian‑provided conferences and educational events as resources for client education and firm development.
Client services
Expertise
Occupation focus
Fee options
Financial planning services available at a fixed price typically ranging from $2,500 to $10,000.
0.75% to 1.00% annually (negotiable, depends on client)
Typically $250 - $500 per hour for consulting services, negotiated and billed in arrears.
Account minimum: $1,000,000 Fee-only: Investment management and financial planning fees based on percentage of AUM; no commissions accepted.
Main office
9 Cottage Street
Marion MA 02738, United States
Most active in
California · Florida · Massachusetts · New Hampshire · North Carolina · Texas · Vermont
Also doing business as
Cottage Street Advisors · Cottage Street Advisors, 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:
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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.
Quick links
Advisors at this firm
Michael D
Series 65
Sarasota, FL
Cottage Street Advisors
Michael Davis is a financial advisor at Cottage Street Advisors with 21 years of industry experience. He holds a Series 65 designation and has been with Cottage Street Advisors since 2015. The firm provides discretionary investment management, comprehensive financial planning, and consulting services to individuals, trusts, estates, charitable trusts, and business entities. Cottage Street Advisors employs a fundamental, value-oriented investment approach combined with top-down macro assessments, managing portfolios through individual securities, ETFs, fixed income, tax-aware strategies, and alternative investments when appropriate.
Jason H
CFA®, Series 63
Nashua, NH
Cottage Street Advisors
Jason Haviland is a CFA® charterholder with 10 years of industry experience. He has been with Cottage Street Advisors since 2017, following a year at J. Bradford Investment Management. The firm serves individuals, trusts, estates, charitable trusts, and business entities, providing discretionary investment management, financial planning, and consulting. Cottage Street Advisors employs a fundamental, value-oriented investment approach combined with top-down macro assessments to manage portfolios using a variety of asset classes and strategies.
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