ABOUT RED CLOVER WEALTH MANAGEMENT
Empowering Those Who Serve to Thrive Financially
At Red Clover Wealth Management, our mission is simple: to help military families and government employees define their ideal life and build the financial foundation to make it real now and in the future. With approachable guidance and deep expertise, we walk alongside you to turn your vision into a sustainable, supported reality. Here, wealth grows alongside your dreams.
ABOUT RED CLOVER WEALTH MANAGEMENT
Built For Those That Serve
As a military spouse-owned wealth management firm, we understand the unique financial journeys military families and government employees face. Our approach is rooted in:
Helping You Live Your Best Life Now AND In The Future
Instead of first considering the financial implications of our decisions, what if we started by identifying the essential elements we need to live our most fulfilled lives? That’s just what we do. This is why our clients are happier—they are living their ideal life now and know they will be in the future too.
Making A Plan & Portfolio As Unique As You
We work with you in a collaborative, judgment-free space to help you define your ideal life (beyond just money) and then we’ll create deeply personalized financial strategies tailored to your unique values, goals, and definition of happiness.
Empowering You
From career changes to estate planning, working through and toward your ideal life can be a lot easier if you have a knowledgeable partner by your side, guiding the way and rooting for you. Red Clover Wealth Management is here to provide the expertise and support you need to navigate every financial decision with confidence.
RED CLOVER WEALTH MANAGEMENT’S WEALTH MANAGEMENT SERVICES
Designing Wealth Around What Matters Most to You
Led by founder Kathleen Cote, CFP®, RLP®, MQFP®, Red Clover Wealth Management is a women-owned firm specializing in comprehensive, holistic wealth management for purpose-driven women. We believe wealth is about more than numbers. It’s about freedom, confidence, and creating a life you love on your terms now and in the future.
ESTATE PLANNING & LEGACY BUILDING
Care for your loved ones and yourself.
Your military service is about protecting others, and your financial plan should do the same for your family. Beyond investments, we’ll review your estate planning needs, ensure your SGLI or private life insurance coverages are right for your current life stage, and make sure your loved ones are completely cared for, no matter what lies ahead.
ACTIVE DUTY TO CIVILIAN / GS TRANSITIONS
You’ve built success—what’s next?
Hanging up the uniform often means juggling multiple new income streams—like VA disability benefits, a corporate salary or GS pay scale, FERS retirement options, and private sector benefits. I’ll walk alongside you during this transition to help you integrate your military benefits with your new career package, manage tax bumps from your second income, and build a cohesive plan that keeps your wealth growing.
MILITARY RETIREMENT & PENSION STRATEGY
Confidently plan for what’s next.
Leaving active duty is one of the biggest milestones your family will ever face. We’ll help you answer the big questions: How does your military pension fit into your overall lifestyle goals? Should you opt into the Survivor Benefit Plan (SBP) or explore private life insurance options? Together, we’ll analyze your pension, maximize your Thrift Savings Plan (TSP), and make sure you step into your next chapter with total financial clarity.
WHO WE SERVE
Those Who Serve, Lead, and Build
We proudly partner with military families and government employees who value a thoughtful, collaborative approach to building wealth.
28%
Women Professionals, Business Owners & Executives
38%
Military Spouses, Veterans, Families
34%
Government Professionals & Leaders
Why I Started Red Clover Wealth Management
Have you ever made a major purchase, changed jobs, or made a financial decision that made sense money-wise but left you feeling unhappy? You’re not alone. At one point in our lives, we have all made a decision that looked good financially or seemed like a dream come true, but in the end, we were disappointed.
I am motivated to work hard every day because I don’t want to see people settle for second best or make financial decisions that they aren’t happy with. I want to support and equip them as we work together toward living their ideal life now and in the future.
Meet Red Clover Wealth Management’s Founder, Kathleen Cote, CFP®, RLP®, MQFP®
OWNER AND PRINCIPAL
Kathleen Cote, Kate Cote for short, is the founder and owner of Red Clover Wealth Management, an independent financial advisory firm dedicated to helping military families and government employees build wealth and live their ideal lives. With over 20 years of experience in the financial services industry and as a Certified Financial Planner (CFP®), Military Qualified Financial Planner (MQFP® ) and Registered Life Planner (RLP®), Kate Cote specializes in guiding those who serve through and toward major life transitions with confidence. Her mission is to help clients align their wealth with their values and create lasting legacies.
Over 25 years of bringing joy, clarity, and confidence to wealth for clients.
Get In Touch
We are currently welcoming new clients. Schedule your initial consultation today to start building your legacy.
