Wealth manager, independent
Cote Financial Management
Cote Financial Management, LLC · SEC-registered investment adviser · CRD 153088 · SEC 801-130714
At a glance
Cote Financial Management is an SEC-registered investment adviser based in United States, with $151 million in regulatory assets under management as of its Form ADV filed March 25, 2026. Its largest client group by assets is high-net-worth individuals, and it reports 132 individual clients. By Form ADV it is a wealth manager, ranked 6,847th of 8,915 wealth managers and 13,642nd of 17,210 SEC-registered advisers by assets.
cfm.servicesAs filed on Form ADV
- Regulatory AUM
- $151M
- Rank among wealth managers
- #6,847 of 8,915
- Rank among all SEC RIAs
- #13,642 of 17,210
- Individual clients
- 132
- High-net-worth clients
- 28
- Accounts
- 378
- Discretionary
- 0% of AUM
- Employees
- 3
- Advisory staff
- 1
- Offices
- 1
Owners and executives on its Form ADV
- Stephen M. CoteChief Executive Officer
- Stephen M. CoteChief Compliance Officer
Custody and brokerage
Custodian
Cote Financial Management’s Form ADV lists no custodian for separately managed accounts. Firms report one only when they manage $10 million or more in those accounts.
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 28 | $120M | 80% |
| Individuals | 104 | $29M | 19% |
| Corporations or other businesses | 2 | $2M | 1% |
Disciplinary disclosures
Cote Financial Management answers yes to 1 disclosure item in Item 11 of Form ADV (criminal, regulatory or civil matters involving the firm or its advisory affiliates). Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
How it’s paid
- A percentage of assets under management
- Hourly charges
Form ADV and brochures on the SEC’s adviser search ↗cfm.services ↗
AtlasMembers
The full record on Cote Financial Management
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, 2 years of filings
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- Growth over one, three and five years
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- Rank against 5,405 peers of its type and size
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- Owners and executives, with titles and stakes
- 2 namedLocked
- Main office, fax and compliance officer
- Locked
- Filing changes this year, with alerts
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Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Background
Questions
How much does Cote Financial Management manage?
Cote Financial Management reports $151 million in regulatory assets under management across 378 accounts, on its Form ADV filed March 25, 2026.
What kind of firm is Cote Financial Management?
Cote Financial Management is a wealth manager by its Form ADV answers. At least half of its regulatory assets are managed for individuals and high-net-worth individuals.
Who are Cote Financial Management’s clients?
By assets, its largest client types are high-net-worth individuals ($120 million, 28 clients); individuals ($29 million, 104 clients); corporations or other businesses ($2 million, 2 clients).
Does Cote Financial Management have any disciplinary history?
Cote Financial Management answers yes to 1 disclosure item in Item 11 of Form ADV, which covers criminal, regulatory and civil matters involving the firm or its advisory affiliates. The details are on the SEC’s adviser search.
Where these numbers come from
Every figure is Cote Financial Management’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-03-25), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Ranks compare it by regulatory assets with every SEC-registered adviser and with firms of its type. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →