Kathleen Cote (CFP®)

Kathleen Cote focuses in the
following client markets or areas of practice:

  • Cash Flow/Budgets/Credit Issues
  • College/Education Planning
  • Hourly
  • Investment Advice with Ongoing Management
  • Retirement Planning & Distribution Rules

Planning Specialties

I work with families that are struggling to figure out how to save for their kid's education, retirement, their next home while paying of student loan or credit card debt.  I help people getting ready to retire allocate their portfolio for retirement withdrawals, maximize social security, minimize taxes and choose a medicare supplement plan and long term care product that is right for them.  I work with military families helping them maximize their benefits, plan for retirement and the transition out of the military.  I’m a retired military spouse so I understand the nuances of the military lifestyle that impact and influence your financial decisions.

My clients have access to the Emoney financial portal where they can link all their accounts to see their entire financial picture and monitor their spending. They also can store all their important documents in the virtual Vault.  As life decisions come up, with a few clicks of a button I can show them how it will impact their overall plan either in person or virtually.

I utilize the Riskalyze tool to create a portfolio that matches my client’s comfort level.  Built on a Nobel Prize-winning framework, Riskalyze replaces confusing and subjective terms like “moderately conservative” and “moderately aggressive” with the Risk Number, a number between 1 and 99 that pinpoints a client’s exact comfort zone for downside risk and potential upside gain. 

High fees can have a detrimental impact on your portfolio returns. I choose quality investment products, with low fees and a good track record.  As part of my investment management service fee, I provide hourly financial planning services.  If you don't want financial advice, my financial planning services are performed for $200 per hour.  

 

Additional Information

Red Clover Financial Planning, LLC is a member of the Reston Chamber and is a Better Business Bureau A+ rated accredited business. 

Kathleen is married to a Lt. Colonel in the Army Reserves and they have two boys ages 10 and 13.  She and her husband met while working at Fidelity Investments in 1998.  They spent the first 10 years of their marriage in Massachusetts until her husband went on active duty in North Carolina.  In 2016 they moved to Virginia. 

In her free time Kathleen likes to bike, hike, read, cook, spend time with friends and family and travel.

NAPFA Start Date

June 01, 2017

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This Office

9822 Five Oaks Rd Fairfax, VA 22031 Phone: (703) 677-4587

Other Offices

1775 Tysons Blvd C/O Weworks Tysons Corner, VA 22102-4284 Phone: (703) 677-4587