Charter Advisory Corporation

Charter Advisory Corporation, an SEC Registered Investment Adviser established in 1979, offers personalized investment advisory services to various clients, including individuals, pension plans, trusts, and corporations. The firm's principal owner is Michael J. Kelley. Charter provides financial planning services and investment advisory services on a discretionary and non-discretionary basis, focusing on asset allocation and investment selection based on client objectives and risk profiles. The firm offers advisory programs through LPL Financial, including Manager Access Select, Optimum Market Portfolios, Personal Wealth Portfolios, Model Wealth Portfolios, and Guided Wealth Portfolios, each with varying minimum account sizes. Fees for financial planning services are based on complexity, while management fees for advisory services are negotiable and paid quarterly. Charter does not charge performance-based fees. The firm's investment strategies involve fundamental and technical analysis, with a focus on long-term purchases and risk management. Charter does not vote client securities' proxies and does not participate in class action lawsuits on behalf of clients. The firm maintains a Code of Ethics and prioritizes client interests. Clients receive quarterly portfolio reports and have the option to custody their accounts with LPL Financial. Charter discloses potential conflicts of interest related to compensation from LPL Financial and transition assistance benefits. The firm does not vote proxies on behalf of clients and does not engage in principal or agency cross transactions. Clients are encouraged to review custodial statements and are provided with financial information about Charter's stability and financial practices.