Dorothy J. Cole
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Dorothy J. Cole is a fee-only advisory firm that provides personalized comprehensive financial planning and investment management to individuals, trusts, estates, charitable organizations and small- to medium-sized businesses. The firm reports managing approximately $92.45 million in client assets for about 53 client families and offers comprehensive plans, ongoing asset-management services, and one‑time special-project engagements covering financial position, protection, investment, tax, retirement and estate matters.
The firm operates on a strictly non-discretionary model: it does not act as custodian, does not accept discretionary trading authority, and implements recommendations only with client approval while clients retain custody at their chosen custodians. Investment analysis combines fundamental, technical and cyclical methods with both top‑down and bottom‑up perspectives to construct diversified, “all‑weather” portfolios tailored to each client’s goals, time horizon and risk tolerance.
Noteworthy differences from many peers include the firm’s entirely non‑discretionary asset base (no assets managed on a discretionary basis) and a requirement that clients enrolling in ongoing asset management have a completed comprehensive financial plan no more than 30 days old. The firm also does not deduct fees from client accounts, does not accept commissions or soft dollars, does not routinely vote client proxies, and discloses atypical planning surcharges (for example, additional fees tied to business principals or foreign‑country circumstances) in its fee schedules.
Client services
Expertise
Fee options
Flat fees for Comprehensive Financial Planning starting at $500; Ongoing Asset Management fees as fixed amounts per asset tiers; flat fees may apply to special projects
$0 - $50,000: $500 (single clients) or $600 (client couples) base fee for Comprehensive Financial Planning $50,000 - $100,000: $500 + 0.75% over $50,000 (single clients); $600 + 1.00% over $50,000 (client couples) for Comprehensive Financial Planning $100,000 - $300,000: $875 + 0.55% over $100,000 (single clients); $1,100 + 0.75% over $100,000 (client couples) for Comprehensive Financial Planning $300,000 - $1,000,000: $1,975 + 0.35% over $300,000 (single clients); $2,600 + 0.50% over $300,000 (client couples) for Comprehensive Financial Planning $1,000,000 - > $1,000,000: $4,425 + 0.20% over $1,000,000 (single clients); $6,100 + 0.30% over $1,000,000 (client couples) for Comprehensive Financial Planning $0 - $15,000: $250 flat Annual Ongoing Asset Management Fee $15,000 - $350,000: $500 flat Annual Ongoing Asset Management Fee $350,000 - $600,000: $750 flat Annual Ongoing Asset Management Fee $600,000 - $900,000: $1,000 flat Annual Ongoing Asset Management Fee $900,000 - $1,200,000: $1,250 flat Annual Ongoing Asset Management Fee $1,200,000 - $1,500,000: $1,500 flat Annual Ongoing Asset Management Fee $1,500,000 - $1,800,000: $1,750 flat Annual Ongoing Asset Management Fee $1,800,000 - $2,100,000: $2,000 flat Annual Ongoing Asset Management Fee $2,100,000 - $2,400,000: $2,250 flat Annual Ongoing Asset Management Fee $2,400,000 - $2,700,000: $2,500 flat Annual Ongoing Asset Management Fee $2,700,000 - $3,000,000: $2,750 flat Annual Ongoing Asset Management Fee $3,000,000 - > $3,000,000: $3,000 plus 0.05% over $3,000,000 (rounded to nearest $100,000) Annual Ongoing Asset Management Fee
$120 per hour for Special Project Service Agreement and plan revision fees
Minimum fee: Comprehensive Financial Plan minimum fee $500; Annual Ongoing Asset Management minimum fee $250; Hourly Fee $120 Fee-only: Comprehensive Financial Planning fees starting at $500; Hourly fees at $120 per hour; Fixed fees for asset management as per schedule
Main office
Merrimack NH
Advisors at this office
1
Most active in
Massachusetts · New Hampshire
Also doing business as
Dorothy J. Cole · Dorothy Jane Cole
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.
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