John Cote
Professional Summary
John Cote, who also goes by John Charles Cote, is a registered financial advisor currently at MERIT FINANCIAL ADVISORS located in Fernandina Beach, Florida and PURSHE KAPLAN STERLING INVESTMENTS located in Alpharetta, Georgia. John is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1995. John has worked at 14 firms and has passed the Series 65, Series 63, SIE, Series 31, Series 3, Series 7,...
At a Glance
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Biography
John has years of industry experience, most recently as an Executive Director for the Eastern Division of E*TRADE Securities, leading their markets and sales teams. He is responsible for Wealth Enhancement Group’s national growth efforts and relationships with custodial partners including Charles Schwab and Fidelity Investments. John previously held divisional and regional leadership roles at SunTrust Private Wealth Management and Wells Fargo Advisors. In 1995, he joined Morgan Stanley where he excelled as an Advisor,...
Other Aliases
John Charles Cote
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Videos & Posts
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Contact Information
Website
xxxxxxxxxx.xxx
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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.
Disclosures on record.
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.
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Years of Experience
31 years in the financial services industry
Current & Past Employments
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Current Firm
ALLEGIANCE ADVANTAGE GROUP | WORKSITE FINANCIAL WELLNESS | WEALTH REALM | UNION FINANCIAL ADVISORS | THE RETIREMENT COACH | THE MERIT RETIREMENT ADVANTAGE | THE FAMILY HUG | SIMPLIFIED FINANCIAL | SHARP ADVISORS | SAFEGUARD WEALTH MANAGEMENT | REASON FINANCIAL | PRICE FINANCIAL GROUP | PIONEER FINANCIAL | NEXTSTAGE CONSULTING | MERSBERGER FINANCIAL GROUP | MERIT WEALTH ADVISORS | MERIT FINANCIAL INC | MERIT FINANCIAL GROUP, LLC | MERIT FINANCIAL ADVISORS LLC | MERIT FINANCIAL ADVISORS | MERIT 401(K) MAXIMIZER | MERIT | KIRSCH & ASSOCIATES | KING FINANCIAL PARTNERS | INDEPENDENT ADVISOR PARTNERS | GUIDED CAPITAL WEALTH MANAGEMENT | GLOBAL WEALTH ADVISORS | FINANCIAL DEVELOPMENT SYSTEMS | FIDUCIARY SERVICES | CPA RETIREMENT NETWORK | CONSILIUM FINANCIAL GROUP | CONSILIUM ASSOCIATES | BOTSFORD PRIVATE WEALTH | BOTSFORD FINANCIAL GROUP | BOTSFORD FINANCIAL | BLUHAWK WEALTH MANAGEMENT | BAUTZ FAMILY FINANCIAL | ALLEGIANCE RETIREMENT SOLUTIONS | ALLEGIANCE FINANCIAL STRATEGIES GROUP
Contact Information
Main Address
2400 Lakeview Parkway Suite 550, Alpharetta, GA 30009Phone Number
(678) 867-7050# of Employees
470SEC notice filing (53 States and Territories)
Registered to provide investment advisory services in 53 US states and territories.
Documents
Regulatory Assets Under Management
Total Number of Accounts
20,710AUM (Assets Under Management)
$23,875,298,692Accountant Surprise Examination Report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 01/20/2026 | Cover Page | Report |
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Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
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Primary Firm SEC Registration
ALLEGIANCE ADVANTAGE GROUP | WORKSITE FINANCIAL WELLNESS | WEALTH REALM | UNION FINANCIAL ADVISORS | THE RETIREMENT COACH | THE MERIT RETIREMENT ADVANTAGE | THE FAMILY HUG | SIMPLIFIED FINANCIAL | SHARP ADVISORS | SAFEGUARD WEALTH MANAGEMENT | REASON FINANCIAL | PRICE FINANCIAL GROUP | PIONEER FINANCIAL | NEXTSTAGE CONSULTING | MERSBERGER FINANCIAL GROUP | MERIT WEALTH ADVISORS | MERIT FINANCIAL INC | MERIT FINANCIAL GROUP, LLC | MERIT FINANCIAL ADVISORS LLC | MERIT FINANCIAL ADVISORS | MERIT 401(K) MAXIMIZER | MERIT | KIRSCH & ASSOCIATES | KING FINANCIAL PARTNERS | INDEPENDENT ADVISOR PARTNERS | GUIDED CAPITAL WEALTH MANAGEMENT | GLOBAL WEALTH ADVISORS | FINANCIAL DEVELOPMENT SYSTEMS | FIDUCIARY SERVICES | CPA RETIREMENT NETWORK | CONSILIUM FINANCIAL GROUP | CONSILIUM ASSOCIATES | BOTSFORD PRIVATE WEALTH | BOTSFORD FINANCIAL GROUP | BOTSFORD FINANCIAL | BLUHAWK WEALTH MANAGEMENT | BAUTZ FAMILY FINANCIAL | ALLEGIANCE RETIREMENT SOLUTIONS | ALLEGIANCE FINANCIAL STRATEGIES GROUP
State Registrations and Notice Filings
(4/2/2024)
(8/16/2024)
(3/27/2024)
(8/16/2024)
Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.Note:This rule does not apply to broker-dealer activity.
Exams
Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.
Series 9 — General Securities Sales Supervisor - Options Module Examination
Passed Jan 2023About the Series 9 examSeries 10 — General Securities Sales Supervisor - General Module Examination
Passed Jan 2023About the Series 10 examSeries 8 — General Securities Sales Supervisor Examination (Options Module & General Module)
Passed Nov 1998SRO Registrations
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CRS (Client Relationship Summary) - RIA
MERIT FINANCIAL ADVISORS — Registered Investment Advisory firm
Version Date: Thu, Aug 01, 2024
Merit Financial Group, LLC (“Merit”) is an investment advisory firm registered with the Securities and Exchange Commission (“SEC”). The services and fees for investment advisory services differ from brokerage services and fees, and it is important for retail investors to understand the differences. By visiting www.investor.gov/CRS there are free and simple tools available to research firms and individual financial professionals. This website also provides educational materials about broker-dealers, investment advisers and investing.
Financial Planning and Consulting Fees: If you engage us for comprehensive financial planning or needs-based analysis for retirement or consulting services, you may pay a separate fixed fee or hourly rate.
Merit Compass Program: You pay an annual fixed fee for these services.
Asset Based Fees: You will normally pay an ongoing fee on a quarterly basis for asset management services. This fee is a percentage of the value of the assets in your account(s) and will be paid to us whether trades occur in your account during a quarter. In addition to our asset based fees, you will also pay transaction costs to the broker-dealer executing your trades.
Wrap Fee Program: You will pay us a single annual percentage fee for asset management services that also covers most transaction costs in your account. Therefore, the annual management fee may be higher than a non-wrap account fee. In addition to the foregoing fees, your managed portfolio will incur other expenses. The most common examples are the custodian’s charges for maintenance of your accounts and the internal fees imposed by mutual funds and exchange traded funds. If all or a portion of your assets is managed by a third-party money manager, you will also pay the manager’s advisory fee.
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.
More information is available in our Form ADV Part 2A (our “Brochure”) in Items 5 and 12 and Appendix 1, Wrap Program Brochure in Item 4.
Questions to ask your Professional:
- Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested?
When we act as your investment adviser, we must act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means:
Our asset management fees are calculated as a percentage of the assets we manage for you. This type of fee arrangement could also influence us to recommend that you deposit more assets in your account, which would increase our fees.
Most of our financial professionals are registered representatives of a broker-dealer. Your financial professional can earn additional transaction-based compensation when providing brokerage services through a broker-dealer. The more transactions in your account, the more compensation he or she will earn. This creates an incentive for your financial professional to encourage you to engage in transactions. You are encouraged to learn more about this arrangement by having a discussion with your financial professional.
Our firm’s financial professionals include licensed insurance agents who sell insurance products for a commission. They have an incentive to recommend insurance products to you to increase their compensation.
Although you will not be charged a transaction fee for trades in a Wrap account, we and/or your financial professional pay the broker dealer a per transaction charge for purchases and sales in the Wrap account. The cost to your financial professional and/or the firm, of the transaction charges may be a factor which we and/or your financial professional considers when deciding which securities to select and whether or not to place transactions in the account. This is a conflict of interest.
More information is available in our Form ADV Part 2A (our “Brochure”) in Items 4, 10, 11 and 12 and Appendix 1, Wrap Program Brochure in Item 4.
Questions to ask your Professional:
- How might your conflicts of interest affect me, and how will you address them?
Our financial professionals receive a portion of the advisory fees paid by you. Some are paid both a fixed salary and a variable bonus, because of his or her efforts in developing, maintaining client relationships and the amount of assets they may gather.
In addition to working as a financial professional for us, your financial professional may also act as a registered representative of a broker-dealer and/or offer insurance as a broker or agent through numerous insurance companies. These roles create conflicts of interest as discussed above.
Questions to ask your Professional:
- Who is my primary contact person?
- Is he or she a representative of a broker dealer?
- Who can I talk to if I have any concerns about how this person is treating me?
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