AdvisorCensus / Financial advisors / Massachusetts / Boston / Cottage Street Advisors
Cottage Street Advisors
Filed as COTTAGE STREET ADVISORS · Legal name Cottage Street Advisors, LLC
Cottage Street Advisors is an SEC-registered investment advisory firm in Marion, MA, registered since 2014, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 6, 2026.
Quick answers
From the filingHow is Cottage Street Advisors compensated?
On its Form ADV (Item 5.E, October 2026), Cottage Street Advisors reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).
How much does Cottage Street Advisors charge?
Its Form ADV Part 2A brochure dated March 6, 2026 states: Flat fee: $2,500 to $10,000 (planning only services); Hourly rate: $250 to $500 an hour (financial consulting services that exceed the scope in the…). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Cottage Street Advisors located?
Cottage Street Advisors' principal office is in Marion, MA, according to its Form ADV.
Is Cottage Street Advisors registered with the SEC or a state?
Cottage Street Advisors is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 173487.
How much does Cottage Street Advisors manage?
Cottage Street Advisors reports $333,802,501 in regulatory assets under management in its Form ADV filing dated March 6, 2026 (100% discretionary).
How have Cottage Street Advisors' assets and staff changed since 2021?
In the Form ADV data for Cottage Street Advisors: Regulatory assets under management: $184,259,097 in the October 2021 data and $333,802,501 in the October 2026 data, up 81%. Total employees: 3 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Cottage Street Advisors serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (84); high net worth individuals (51).
Which custodians does Cottage Street Advisors use?
Cottage Street Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and PNC Wealth Management LLC as custodians holding 10% or more of its separately managed account assets.
Does Cottage Street Advisors report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/173487
Does Cottage Street Advisors state an account minimum?
Its Form ADV Part 2A brochure dated March 6, 2026 says: "CSA typically requires a minimum of $1,000,000 in assets under management. Waivers or exceptions from the minimum may be granted at the exclusive discretion of CSA."
What changed in Cottage Street Advisors' recent Form ADV filings?
In the April 2026 filing data: Regulatory assets under management went from $290,229,456 to $333,802,501 (+15%).
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AAccount minimum: $1,000,000 (the brochure says it may be waived or negotiated)
The brochure's wording
CSA typically requires a minimum of $1,000,000 in assets under management. Waivers or exceptions from the minimum may be granted at the exclusive discretion of CSA.
Flat fee: $2,500 to $10,000 (planning only services)
The brochure's wording
Financial Planning Services are included in our investment management fee but are also available at a fixed price (typically $2,500 - $10,000) for clients that would like planning only services.
Hourly rate: $250 to $500 an hour (financial consulting services that exceed the scope in the…)
The brochure's wording
For financial consulting services that exceed the scope in the paragraph above, services are provided on a negotiated hourly basis, (typically $250 - $500 per hour), billed in arrears, paid directly by the client.
As stated in the firm's Form ADV Part 2A brochure dated March 6, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$333,802,501 as of October 2026, filing dated March 6, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Educational seminars/workshops
- Other
Registration and firm details
Items 1, 2, 5- Legal name
- Cottage Street Advisors, LLC
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2014 (11 years)
- Employees
- Total: 4. Performing investment advisory functions: 2.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
7 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $333,802,501 | 4 | March 6, 2026 |
| October 2025 | $290,229,456 | 3 | March 6, 2025 |
| October 2024 | $237,945,313 | 3 | March 4, 2024 |
| October 2023 | $190,575,937 | 3 | September 21, 2023 |
| October 2022 | $233,798,953 | 3 | March 1, 2022 |
| October 2021 | $184,259,097 | 3 | March 30, 2021 |
Regulatory assets under management: $184,259,097 in the October 2021 data and $333,802,501 in the October 2026 data, up 81%.
Total employees: 3 in October 2021 and 4 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- April 2026
- Regulatory assets under management went from $290,229,456 to $333,802,501 (+15%).
- March 2026
- Registered or notice-filed in NC.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Cottage Street Advisors (CRD 173487): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/cottage-street-advisors-marion-ma-173487