Dorothy J. Cole is an independent registered investment advisor founded in 1991, operating in Merrimack, New Hampshire. The firm specializes in personalized, fee-only financial planning and non-discretionary portfolio management for individuals, trusts, estates, charitable organizations, and small to medium-sized businesses. Dorothy J. Cole takes a holistic approach, helping clients navigate financial position, insurance protection, investment strategies, income tax planning, retirement planning, and estate planning. The firm does not sell commissioned financial products or securities, acts strictly in the client's best interest, and coordinates recommendations with clients' other professionals such as accountants and attorneys.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $15K | 1.67% |
| $15K - $350K | 0.14% |
| $350K - $600K | 0.13% |
| $600K - $900K | 0.11% |
| $900K - $1.2M | 0.10% |
| $1.2M - $1.5M | 0.10% |
| $1.5M - $1.8M | 0.10% |
| $1.8M - $2.1M | 0.10% |
| $2.1M - $2.4M | 0.09% |
| $2.4M - $2.7M | 0.09% |
| $2.7M - $3.0M | 0.09% |
| $3M+ | 0.05% |
Fees are flat dollar amounts per tier rather than standard percentages, resulting in declining effective percentage rates as assets increase. Requires a recently completed comprehensive financial plan.