Charter Oak Capital Management

Charter Oak Capital Management is a Registered Investment Adviser firm established in 2002 and located in Portsmouth, NH. The firm specializes in fee-based investment management and financial planning services, with a focus on managing investment portfolios and providing comprehensive financial planning advice. Charter Oak does not sell securities on a commission basis and is not affiliated with entities that sell financial products. The firm offers discretionary portfolio management services based on individual client needs, with functions including goal assessment, investment planning, trade execution, continuous supervision, and quarterly reporting. Clients typically have a minimum quarterly fee of $1,250, subject to negotiation not exceeding 1.50% of assets under management. Charter Oak may direct clients to third-party investment advisers and recommend subadvisors who employ direct indexing investment strategies. The firm acts as a fiduciary, ensuring that client interests are prioritized. Clients receive account statements from qualified custodians, primarily Charles Schwab & Co., Inc. and Fidelity Investments. Charter Oak does not charge performance-based fees and does not receive soft dollar benefits. The firm's proxy voting guidelines prioritize client interests, and it has no financial commitments impairing its ability to meet client obligations.