Stephen Cote
Cote Financial Management · Wenham, Massachusetts
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.
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Specialties
Facts
| Firm | Cote Financial Management |
|---|---|
| Based in | Wenham, Massachusetts |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly |
| Assets under management | $151.2M across 378 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in MA · CRD 4365699 |
| Exams passed | Series 66 (2001) |
| Firm size | 3 employees |
| Disclosures | Reported; see the SEC record |
| Website | cotefinancialservices.com |
How Stephen's firm compares
- Cote Financial Management's average account is about $400,000, from its Form ADV (assets managed divided by 378 accounts).
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Questions about Stephen
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Cote Financial Management website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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