FREQUENTLY ASKED QUESTIONS

1. Do you charge additional for quarterly meetings?

No. Our annual management fee gives you access to us full time including all the quarterly meetings, any other meetings you may request or phone calls.

2. Why is Cote Financial Fee Only? Why is that important?

Cote Financial is a fee only financial planning and wealth management firm -  we do not sell any products that earn commission for us. We do not work for a bank, brokerage house, or an insurance company. Therefore, we are not beholden to any financial institution and our sole aim is to look  after the interests of our clients. At Cote Financial our compensation is solely derived from either an hourly or flat fee charged for  developing a financial plan or an investment management fee that is  based on percentage of assets managed. All fees are fully and completely  disclosed upfront and there are no hidden fees or loads.

3. Can I keep my assets where they are and make the changes myself?

Yes,  but we strongly urge against it, as it can be very impractical or  inefficient. Cote Financial Management will handle all documentation, transfers and transactions related to your new account. An account will  be established, in your name, at Charles Schwab or Fidelity  Institutional to hold all your newly transferred assets. This  arrangement allows us access to individual stocks, bonds, mutual funds etc. while keeping transaction costs low and allowing us ease of trading  as well as research using the latest technology tools. Online access  makes it possible for you to have up-to-date information and direct  access to your accounts.

4. How often will you review my account?

Your  portfolio is monitored and reviewed on a regular basis. If conditions  warrant, Cote Financial Management will make changes to your portfolio,  which in our opinion will help you achieve your objectives.

5. Why do you review investment accounts so often?

We watch for market conditions and trends, economic changes and other factors that may ultimately affect the overall performance of your whole portfolio as well as your individual mutual funds and stocks.

6. How often will I be updated on my portfolio?

Every month you will receive statements from our custodian itemizing your  investment positions and transactions for the month. Every quarter, Cote Financial Management will prepare a customized report, which give the  client in detail an overall portfolio performance, holdings, and allocation report. A quarterly meeting with your advisor is encouraged  to discuss and review your plan, and to update any changes in your  particular financial situation or concerns you may have.

7. Will you consult me when making changes?

Our practice is to create custom portfolios based on the client’s needs and  objectives in terms of investment philosophy, performance, risk profile  and value. CFM uses extensive and in-depth research to evaluate each  security, which in our opinion provides value and superior performance,  and then are selected based on extensive discussions (with the client)  and evaluations. Although we are unable to guarantee success or predict future performance of portfolios or investments, each portfolio is custom designed to help you achieve your short-term and long-term goals

8. Do I have to stay with your services for any length of time?

Our aim is to build long, enduring relationships with our clients and their  families. If, however, there is ever a need to terminate the  affiliation, the Agreement may be terminated by either party in writing,  five business days from the inception date. Once the agreement has been in force for a minimum of one quarter, either party can terminate it by giving a notice of thirty days. Termination of this agreement must be in writing.

9. Who will I actually be working with?

Your  primary contact for most portfolio related matters would actually be  your financial advisor. On a day-to-day basis, however, any of our team members may be working with you on different issues related to your  account. As a new client, you would be given a list of who’s who and who  to contact for different issues.

10. What information will I need to provide?

As a new client, you will be given a questionnaire to fill out which will  provide us with most of the information we need about you and your financial situation. Our clients typically will need to provide us with  copies of their current investment statements or reports.

11. Is there a cost for the first meeting?

No, the first meeting is without charge.

12. What is your average size account?

Our average size account is about $500,000.

13. Describe the typical client of Cote Financial.

The average household income is about $300K and/or their investment assets are about $1,000,000.

14. What is your minimum account size?

Currently it is $500,000

15. What is involved in your financial planning process?

Before  managing your portfolio we like to create a detailed financial plan.  This addresses your short and long-term goals, your risk tolerance, your  retirement income objectives as well as tax, insurance reviews and  estate planning. In many cases we coordinate this plan with your other  advisors such as your CPA or your estate-planning attorney etc. or  consult advisors from our own network. The goal is to create a customized, workable and well thought out financial solution for your  short term needs, long term needs, and details on how we plan to get  there.

16. A lot of Advisors sound similar. What makes CFM different?

At Cote Financial our primary focus is our clients. We tailor everything  around your goals, your objectives, and your journey. Our aim at CFM is  to make your client experience with personal financial management, a  rewarding one. Not only through performance, but through personal  service, knowledge, integrity, trust and the satisfaction of achieving  your goals. That is what makes us different.

17. Can I receive my portfolio reports electronically?

Yes. Cote Financial is one of the few privately owned investment management  firms currently offering its clients on-line access to their investment  reports. As a Cote Financial client,  at your request, you would be  assigned an ID code which would gives you access to your PFM reports on-line through our website.

18. What other on-line resources do I have available?

Our Web site helps us serve you better by providing:

•  Another way to work with us-supplement meetings and phone calls with  online access, so you can collaborate, conduct business and stay in contact wherever you have a Web connection.

•  Convenient online access-get 24/7 access to account information,  including holdings, unrealized gains and performance, as well as timely updates.

• Complete financial picture-view all your accounts in one place, including any that may reside outside our firm.

• Research and market insight-get expert perspectives on your investments from leading third-party providers, including:

        -High-level market overviews and news

        -Detailed data such as fundamentals, quotes, earnings and charting

        -In-depth research reports

• Timely updates-receive alerts about market movement or events that may affect your portfolio.

•  Account security-store and access electronic versions of important  material, such as account information, performance reports, wills and  trusts in confidence; industry-standard protections mean private information will stay that way.

19. How much do you charge for your services?

Typically  portfolio management fees are about 1% per year. These fees are charged  quarterly. The only other fees we charge may be in the beginning for  developing a financial plan, which is a one-time flat fee. For full  details please request our agreement and Part B of ADV disclosure before  considering our services.