# Cottage Street Advisors

> 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.

- CRD: 173487
- Filed as: COTTAGE STREET ADVISORS
- Legal name: Cottage Street Advisors, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Marion, MA
- Filing period: October 2026
- Form ADV filing dated: March 6, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/173487
- AdvisorCensus page: https://advisorcensus.com/firm/cottage-street-advisors-marion-ma-173487

## Quick answers

**How 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 paragraph above). 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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 6, 2026)

- Account minimum: $1,000,000 (the brochure says it may be waived or negotiated)

> 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)

> 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 paragraph above)

> 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- PNC Wealth Management LLC

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.

### Regulatory assets under management (Item 5.F)
- Total: $333,802,501
- Discretionary: $333,802,501
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 84 | $31,213,297 |
| High net worth individuals | 51 | $300,087,940 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $346,396 |
| Charitable organizations | Fewer than 5 | $2,021,052 |
| Corporations or other businesses not listed above | Fewer than 5 | $133,816 |

### 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

### Firm details
- Registered since: 2014 (11 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, MA, NC, NH, TX, VT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- cottagestreetadvisors.com
- Facebook @cottagesa
- LinkedIn @10515216
- X @cottagestadv
- YouTube @playlist

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $184,259,097 | 3 | March 30, 2021 |
| October 2022 | $233,798,953 | 3 | March 1, 2022 |
| October 2023 | $190,575,937 | 3 | September 21, 2023 |
| October 2024 | $237,945,313 | 3 | March 4, 2024 |
| October 2025 | $290,229,456 | 3 | March 6, 2025 |
| October 2026 | $333,802,501 | 4 | March 6, 2026 |

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.

## 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cottage Street Advisors (CRD 173487): Form ADV filing data as of October 2026.