OUR SERVICES

We'll put your money to work for you
CFM's comprehensive wealth plan is created initially for each new client,  

prior to any portfolio construction. We and our clients mutually agree on 

a detailed financial plan with certain underlying assumptions, which give 

the basis and provide the guidelines for our clients’ investor  profile. 

The comprehensive wealth plan is then constantly monitored and updated to reflect any changes in our clients’ lives or circumstances.  As our clients’ lives and goals change, their wealth plan concurrently evolves to ensure that 

their future financial picture remains unambiguous and their peace of mind stays intact.

Asset  Management: At Cote Financial Management, we are dedicated to providing our clients with an intelligent and comprehensive investment management service, which will add a substantial value to both our clients’  portfolios and their overall financial pictures.

Plan for your retirement accordingly

At the heart of any retirement plan is the distribution of your accumulated wealth. CFM aims to provide the correct distribution plan that will help to ensure that your retirement savings last beyond your lifetime with minimum shrinkage due to taxes. From distributions prior to age 59 1/2 to federal required minimum distributions, we educate our clients and offer solutions that provide stable consistent monthly  income during your retirement.

IRA Distribution Planning: At the heart of any retirement plan is the distribution of your accumulated wealth. Cote Financial aims to provide  the correct distribution plan that will help to ensure that your  retirement savings last beyond your lifetime with minimum shrinkage due to taxes. From distributions prior to age 59 1/2 to federal required minimum distributions, we educate our clients and offer solutions that  provide stable consistent monthly income during  your retirement.  

Capital Needs Analysis & Retirement Income Projections: Capital needs  

analysis involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired  retirement lifestyle. Cote Financial will develop this plan with clients. Because your retirement planning spans decades, we continuously monitor your progress and update your personal plan as your life  changes. If we identify that there is not enough capital accumulated  through retirement savings to satisfy your retirement lifestyle, we can  help develop alternative planning strategies to help bridge 

a client's  retirement income shortfall.

Take advantage or pre-tax financial benefits
CFM  specializes in implementing all types of tax advantaged employee  benefit packages. Whether you’re a large corporation in need of a  qualified plan such as a 401k, profit sharing plans, or a small business  looking into other alternatives such as a Simplified Employee Pension  (S.E.P. IRA) or Simple IRA etc., Cote Financial will help you navigate  through the rules and regulation standards to ensure ERISA compliance.  We work hand and hand with our clients to find the best fit for our  clients business to maximize their tax benefits.

Corporate Cash  Management: Successfully managing cash is an essential skill for  business owners. At CFM we work closely with business owners to select  appropriate short-term investment vehicles, and increase days cash on  hand all in order to improve the company's overall financial  profitability.

Executive Stock Option Planning: Our Stock Option  Planning strategies are designed to help clients who hold options in  publicly traded companies or companies in the pre-IPO stage. Stock  options come in two varieties: Non-Qualified and Qualified. Qualified  stock options are more commonly referred to as Incentive Stock Options  (ISO's). Cote Financial helps clients through the rules that apply for  each type of option and facilitates strategies that are designed to  maximize their value in your portfolio.

We'll help you every step of the way

At  CFM we tailor financial risk solutions to each of our clients’ needs  based on an individual’s risk tolerance and specific goals. And while  there are many instruments used to hedge and manage financial risk at  CFM we understand every situation requires a customized strategy. You  have many responsibilities with family, work, and other activities, and  your investments are important because they provide for you and your  family now and in the future. However, solid investment research is a  complex time consuming undertaking that takes you away from other  priorities. Let CFM help you navigate the road to financial freedom and  avoid the unnecessary risks that can derail your future.

Don’t let education costs become a financial strain, start planning now

One  of the most common financial planning goals is to provide an education  for your children. Educational costs will be one of the largest  financial strains you will face. At CFM, we help you set realistic and  feasible goals for your family. We evaluate all your options, assist  with tricky financial aid forms, and help defray a significant amount of  the financial burden of your child’s long term future. It is useful to  note that education costs are growing at a faster rate than consumer  inflation. In fact, from 1985 to 2011, higher education costs grew at a  rate over four times more than overall inflation. In order to address  these rising costs, we recommend various tax-sheltered education savings  vehicles, such as 529 plans. We also manage custodial accounts for the  benefit of minor children. With education goals clearly defined,  custodial accounts can prove an effective savings vehicle. We have the  ability to manage these accounts to ensure that the risk level decreases  through time to meet the education spending needs of the beneficiary.

 We’ll ensure your estate is handled according to your expectations
A well thought out estate plan will fulfill your wishes to ensure your  assets transfer properly to your heirs. Cote Financial will be an  integral cog in your estate planning team, along with your attorney,  accountant, and your trust officer. We strive to minimize your costs,  minimize your tax liability, provide for much needed liquidity to cover  any debts, and that your property is received by the appropriate  relative, person(s), or entities that you desire.

Allow us to ease the stress of tax season
Proper  financial planning and management should be monitored and reviewed all  year-round. To think about finances only twice a year, on December 31st  and April 15th is not enough. Financial and tax planning as with all  personal financial planning should be an ongoing process and not a  one-time event. Once we create a plan and implement it, you'll be much  better off in dealing with and even taking advantage of any changes that  might come your way. With a base plan established, we work with clients  to develop a "what if" exercise when contemplating important  transactions before the fact, such as a sale or purchase of a home,  refinancing a mortgage, securities sales, exercising stock options,  making charitable gifts and so on. Tax planning can help you increase  your after-tax cash flows, help you make better financial and investment  decisions, and it can mean less surprises and more savings come tax time.

Protect your loved ones

Life  insurance is a fundamental element in a comprehensive financial plan  for most individuals, particularly those with dependents. CFM helps you  protect your family from financial losses incurred due to an untimely  accident or unexpected illness. We take measures to ensure that you are  not under-insured or over-insured, but have the proper coverage amount  to safeguard your family from financial losses.