# Stephen Cote

> Stephen Cote is a fee-only financial advisor at Cote Financial Management in Wenham, Massachusetts, who holds the CFP credential. Stephen focuses on retirement planning, estate & legacy planning and tax planning. Cote Financial Management reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/stephen-cote/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Cote Financial Management
- **Based in:** Wenham, Massachusetts
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $151.2M across 378 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 4365699 (https://adviserinfo.sec.gov/individual/summary/4365699)
- **SEC registration:** Investment adviser representative in MA
- **Exams passed:** Series 66 (2001)
- **Firm size:** 3 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://cotefinancialservices.com

## Frequently asked questions

### Is Stephen Cote a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Stephen holds no broker registration, and Cote Financial Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Stephen charge for financial advice?

Stephen's firm, Cote Financial Management, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Stephen Cote based?

Stephen Cote is based in Wenham, Massachusetts.

### What does Stephen specialize in?

Stephen's specialties include retirement planning, estate & legacy planning and tax planning.

### What credentials does Stephen Cote hold?

Stephen Cote holds the CFP credential.

### Is Stephen Cote registered with the SEC?

Yes. Stephen Cote is registered as an investment adviser representative in MA (CRD 4365699), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Cote Financial Management manage?

Cote Financial Management reports $151.2M across 378 accounts in assets under management.

### How do I contact Stephen Cote?

Through Stephen's website, cotefinancialservices.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4365699): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://cfm.services/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.