# Loring, Wolcott & Coolidge

Loring, Wolcott & Coolidge is a Bank / Wealth / Trust based in Boston, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Boston, United States
- **Region:** North America
- **Address:** Boston, MA, United States
- **Assets under management:** Undisclosed
- **Website:** loringwolcott.com

## Regulatory record

- **CRD number:** 107153
- **SEC file number:** 801-46976
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/107153

## About

Loring, Wolcott & Coolidge Fiduciary Advisors is an SEC-registered investment adviser in Boston, MA, since 1994. The firm manages $12.8 billion in assets. It has 109 employees and 13 investment advisers with discretionary authority over $12.8 billion in assets.

## Questions

### What legal structure distinguishes Loring, Wolcott & Coolidge from registered investment advisors?

The firm operates as a Massachusetts-chartered trust company subject to state banking examination, not merely an SEC-registered investment advisor. This charter imposes a higher fiduciary standard — the Prudent Man Rule as originally applied to trustees — and prohibits the firm from underwriting, trading for its own account, or accepting revenue-sharing payments. All investment decisions must satisfy a 'solely in the interest of the beneficiary' test that courts have interpreted strictly for nearly two centuries.

### Who owns Loring, Wolcott & Coolidge?

The firm is privately owned by its senior professionals operating as a partnership. It has never been sold to a bank, private equity firm, or public-market vehicle since its organization. This ownership structure eliminates the tension between quarterly earnings demands and multi-decade trust administration timelines that dominate the wealth management industry.

### What is the firm's approach to fixed income and cash management?

Fixed income portfolios emphasize individually purchased, investment-grade municipal bonds, predominantly from Massachusetts and neighboring New England issuers. The firm holds bonds to maturity and avoids total-return trading or credit speculation. Cash reserves sit in separately managed Treasury and agency portfolios rather than money-market funds with implicit sponsor conflicts. The objective across fixed income is predictable tax-free income and principal return, not relative outperformance of a bond index.

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Last updated: 2026-06-03T20:00:00.000Z

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