Five Star award winner Nicole T. Cole MBA

PROFESSIONAL PROFILE

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Nicole T. Cole MBA

Wealth Advisor

Nicole Cole Financial Services Group

9909 Ashmeade Ct

Fredericksburg, VA 22407

Office: 540-318-0007

Cell: 240-793-4509

nicole.cole@lpl.com
www.nicolecolefinancial.com

Professional Approach

Nicole Cole is the owner of Nicole Cole Financial Services Group and is dedicated to empowering clients to achieve financial success while making a positive impact in her community. She believes in building strong, long-term relationships by listening closely to each client’s needs, understanding their goals, and crafting personalized financial strategies designed to help them thrive.

Nicole has built a reputation for delivering thoughtful, well-researched financial guidance rooted in integrity and care. She draws on her background consulting Fortune 500 healthcare companies to provide clients with clear strategies that are both practical and effective. Her areas of expertise include wealth management, retirement planning, college funding, and comprehensive financial goal planning. She is especially passionate about working with women in leadership, families, and business owners to help them manage, protect, and grow their wealth.

Her professional registrations include the FINRA Series 7, 6, 63, and 65 licenses with LPL Financial, as well as Life, Health, and Variable Annuity licenses in Virginia. She is also a published author of College Funding Strategies: I Wish Someone Had Told Me and a recognized professional in College Funding Planning and Financial Aid through The College Money Team.

Nicole holds an MBA in Finance and Health Services Management from the Kellogg School of Management at Northwestern University. She is active in her community, serving on the Spotsylvania County Public School Board, as President of the Board of Directors for HELP Consulting, Inc., and as a member of Alpha Kappa Alpha Sorority, Inc. and the Fredericksburg Chamber of Commerce. She is also a graduate of Leadership Fredericksburg.

Outside of her professional and community work, Nicole enjoys traveling, outdoor adventures, and creating lasting memories with her three children. She believes in living life with purpose, balance, and meaning—values she carries into her work with every client she serves.

See Accomplishments

This award was issued on 10/15/2025 by Five Star Professional (FSP) for the time period 01/15/2025 through 08/01/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 3811 Washington D.C.-area wealth managers were considered for the award; 156 (4 % of candidates) were named 2025 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2024: 3,408, 172, 5%, 10/16/24, 1/9/24 - 8/9/24; 2023: 2,627, 160, 6%, 10/17/23, 1/9/23 - 7/31/23; 2022: 2597, 159, 6%, 10/17/22, 1/10/22 - 8/26/22; 2021: 2091, 129, 6%, 10/17/21, 1/4/21 - 7/23/21; 2020: 2535, 115, 5%, 9/1/20, 1/27/20 - 8/21/20; 2019: 1956, 122, 6%, 10/1/19, 12/31/18 - 8/9/19; 2018: 1975, 100, 5%, 10/1/18, 2/1/18 - 8/24/18; 2017: 1417, 106, 13%, 10/1/17, 2/8/17 - 8/22/17; 2016: 1665, 208, 12%, 8/1/16, 3/2/16 - 8/30/16; 2015: 1837, 227, 12%, 9/1/15, 2/14/15 - 8/10/15; 2012: 449, 97, 22%, 10/4/11, 2/14/11 - 8/10/11.

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Securities and advisory services offered through LPL Financial, a Registered investment advisor; member FINRA/SIPC.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.