{"url":"https://nivawealth.com/firms/cote-financial-management-153088","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/153088","regulatoryAum":151230174,"crd":"153088","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8142204","suffix":null,"lastName":"Burgess","firstName":"Garrett","middleName":"Allen"},{"crd":"4365699","suffix":null,"lastName":"COTE","firstName":"STEPHEN","middleName":"MARK"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-04-09","regulatoryAum":131566555,"clients":369,"employees":3,"offices":1},{"filedOn":"2026-03-25","regulatoryAum":151230174,"clients":134,"employees":3,"offices":1}],"secFileNumber":"801-130714","legalName":"Cote Financial Management, LLC","displayName":"Cote Financial Management","slug":"cote-financial-management-153088","website":"https://cotefinancialservices.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Massachusetts limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"26 August 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1133463.9318181819,"staff":{"employees":3,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":151230174,"discretionary":0,"discretionaryAccounts":0,"nonDiscretionary":151230174,"nonDiscretionaryAccounts":378,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":104,"regulatoryAum":29364895},{"label":"High-net-worth individuals","clients":28,"regulatoryAum":120252344},{"label":"Corporations and other businesses","clients":2,"regulatoryAum":1612935}],"feePrograms":[{"role":"other","program":"Financial Planning","summary":"Financial planning services are billed at an hourly fee of $350 as needed, and the fee is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025564","versionId":1025564,"submittedOn":"2026-03-25","documentName":"CFM-ADV 2024"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:05:44.465332+00:00","documents":[{"name":"CFM-ADV 2024","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025564","versionId":1025564,"submittedOn":"2026-03-25"}]},"custodians":[],"custodyNote":"Cote Financial Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Stephen Cote","title":"Chief Executive Officer","crd":"4365699"},{"name":"Stephen Cote","title":"Chief Compliance Officer","crd":"4365699"}],"ownership":[{"label":"Stephen Cote","detail":"Chief executive officer in the 75% or more ownership band and a control person, since February 2010. Also chief compliance officer in the 75% or more ownership band and a control person, since February 2010."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"978-767-9501","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"Non-exchange-traded equity securities","percent":44},{"label":"U.S. government/agency bonds","percent":30},{"label":"Sovereign bonds","percent":5},{"label":"Investment grade corporate bonds","percent":5},{"label":"Cash and cash equivalents","percent":10},{"label":"Other","percent":1,"detail":"Separately Managed Accounts"}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/153088/PDF/153088.pdf","brochureDate":"25 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025564","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Cote Financial Management have?","answer":"Cote Financial Management has 134 clients and manages $151 million for them, as of March 2026. They include 104 individual clients, 28 high-net-worth individuals, and 2 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cote Financial Management offer?","answer":"Cote Financial Management provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How many financial advisors does Cote Financial Management have?","answer":"Cote Financial Management has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cote Financial Management invest in?","answer":"At the end of its last fiscal year, Cote Financial Management’s separately managed accounts held 44% non-exchange-traded equities, 30% U.S. government and agency bonds, 10% cash and equivalents, 5% exchange-traded equities, 5% sovereign bonds, 5% investment grade corporate bonds and 1% other. The 1% other category is described as: Separately Managed Accounts.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Cote Financial Management?","answer":"Cote Financial Management’s direct owner is Stephen Cote (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cote Financial Management get paid?","answer":"Cote Financial Management is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Cote Financial Management?","answer":"Its phone number is 978-767-9501. Its website is cotefinancialservices.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}