Cottage Street Advisors

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.