CRPC® (Chartered Retirement Planning Counselor)
College for Financial Planning

Bachelor of Arts, Business Administration
St. Michaels College 1987

Jeffrey Troiano, CRPC®

Managing Partner, Senior Financial Advisor

Jeff started in the wealth management business in 1992 and founded Charter Oak Capital Management in 2002. In addition to working with clients and managing the strategic growth of the firm, Jeff is also a member of the firm's Professional Development Committee and chairs its Investment Subcommittee.

As a strong advocate for community service, Jeff currently serves as President of South Church Affordable Housing Project in Kennebunkport and is a Trustee of Waynflete School in Portland. His past service includes terms as President of The Ogunquit Playhouse Foundation, President of Webhannet Golf Club and Chair of Maine School Administrative District 71.

Jeff and his wife Abby have two adult children, Justin and Olivia, and live in Maine. Jeff enjoys golf, racket sports, skiing and most water sports.

Retirement dream

_{Playing the classic golf courses of the world with my grandchildren.}

What would people be surprised to know about you?
I love music, and have played percussion since grade school and still continue to play drums in local groups/bands; jazz, blues, rock.

If you weren’t in this profession, what else would you be doing?
I would be an architect, likely designing living and working spaces.  I love the creativity of design combined with the elements of the human condition.

What did you want to be when you grew up?
I wanted to be a doctor; I love helping people. After spending time working alongside practicing doctors I decided to switch my focus away from medicine, but kept my focus on helping people navigate some of the complexities of life.

What do you think are the best skills that you bring to your job?
I am a theorist, I have a knack for thinking through complex ideas, understanding the individual parts, and re-assembling those parts to create desired solutions. They also say that Theorists are good at forecasting the future!  

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Bachelor of Science, Accounting
Boston College 2001

Lena Wyand, CFP®

Partner, Senior Financial Advisor

Lena joined Charter Oak Capital Management in the fall of 2007. Prior to joining Charter Oak, Lena advanced to Senior Auditor at a public accounting firm in Boston.

With a passion for working with individuals and their families, Lena found a calling as a CERTIFIED FINANCIAL PLANNER™. She helps clients discover what is truly important to them using a process that aligns their deepest values with their financial goals.

Lena is a member of the firm’s Professional Development Committee and chairs its Financial Planning Subcommittee.

A native of Northern Maine, Lena now resides in Portsmouth, New Hampshire with her husband Dan, and children, Emma, Kate and Anna. Together they enjoy the outdoors with family trips to Lake Sunapee.

Retirement dream

_{To explore outdoor destinations alongside my husband, kids (and hopefully grandchildren) with adventure and activities in all the seasons.}

What would people be surprised to know about you? 
I can drive a tractor! I was raised on my family’s farm in St. Agatha, Maine located within Aroostook County.

If you weren’t in this profession, what else would you be doing?
Interior design!  I love using my creativity to make places and spaces beautiful.

What did you want to be when you grew up?
I wanted to be a doctor so I that could help people, however my natural abilities in math encouraged me to change gears and study finance and accounting.  

What do you think are the best skills that you bring to your job?
I am naturally an empathetic person.  I combine that quality with technical competency to provide insightful and comprehensive advice to my clients.

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Bachelor of Arts, Finance
Villanova University 1984

Master's on Business Administration, Finance/International Business
Seton Hall University 1998

Karen Zaramba,  CFP®

Partner, Senior Financial Advisor

Karen joined Charter Oak Capital Management in the Spring of 2011. Before then, Karen worked in wealth management at A.G. Edwards and in international asset management and capital markets at Prudential Insurance Company of America.

As a CERTIFIED FINANCIAL PLANNER®, Karen helps her clients assess their current financial health and then develops a realistic, comprehensive plan to help them meet their goals by identifying opportunities and building on strengths. Together, Karen and her clients monitor progress and make adjustments when needed.

Karen is a member of the firm’s Professional Development Committee and its Investment Subcommittee.

Karen is active and invested in the community as a Board Member of the Pope Memorial Humane Society Cocheco Valley.

Karen lives in Eliot, Maine and enjoys core strength training and road races to support area charitable organizations.

RETIREMENT DREAM

_{To actually take time to train my dogs, work on that perfect game of golf, volunteer more, garden more, ski more and maybe sneak in a long run once in a while!}

What would people be surprised to know about you?
I have driven a Formula race car on the storied track at Lime Rock Park in Lakeville, CT.

If you weren’t in this profession, what else would you be doing?
Putting my love of animals to good use – perhaps as a veterinarian.

What did you want to be when you grew up?
A nurse like my mom. I loved watching her care for others and admired how much she helped them and made such a difference in their lives.

What do you think are the best skills that you bring to your job?
Problem solving for others is what I love. I strive to do so with a level of compassion and understanding that brings a solution that is tailored to meet each individual’s (or family’s) goals and objectives.

 

CRPC® (Chartered Retirement Planning Counselor)
College for Financial Planning

Bachelor of Arts, Liberal Arts
University of New England 1996

Master of Arts, Public Policy & Administration
Muskie School, University of Southern Maine 1999

Todd Cesca, MPA, CRPC®

Partner, Senior Financial Advisor

Todd joined Charter Oak Capital Management in 2002, after beginning his wealth management career at Morgan Stanley & Company.

Todd loves to hear about people’s stories, what’s important to them, and where they’re headed. He believes that everyone’s path is unique. Working with others really allows him to do his best for clients. Whether it’s with other advisors within the firm or attorneys and accountants with specialties outside the firm, his job is to bring it all together for clients to ensure they get good advice to help them accomplish what’s important to them.

Todd is a member of the firm’s Professional Development Committee and chairs its Behavioral Finance Subcommittee.

Ever passionate for investing in his community, Todd serves as Vice Chair of the Board of the United Way of Southern Maine, the Kennebunk Lacrosse Club, and is a volunteer boys' varsity lacrosse coach at Kennebunk High School. Todd is a trustee and investment committee member for various endowments in Maine.

Todd resides in Kennebunk, Maine with his wife, Megan, and their two dogs, Stella and Oliver. He is an avid fly fisherman.

What would people be surprised to know about you? 
I have learning disabilities. Understanding how to use accommodations to overcome them has taught me how to teach concepts and share information in different ways.  

If you weren’t in this profession, what else would you be doing?
Using my creativity and empathy to help others as a teacher and coach.

What did you want to be when you grew up?
A mapmaker or a charter boat captain.

What do you think are the best skills that you bring to your job?
I listen to learn about people’s stories, how they’d like the next chapters to read. I provide clarity and perspective on their options so they can make informed decisions for themselves and their family.

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Bachelor of Arts, Public Relations and Political Science
Syracuse University 2002

JD (Juris Doctor)
Suffolk University Law School 2008

Sarah Serling, JD,  CFP®

Partner, Senior Financial Advisor

Sarah joined Charter Oak Capital Management in 2015, returning to financial planning after serving as Director of Finance and Legal at Adaptive Communications (now Optiv). Prior to that, Sarah spent four years in wealth management and financial planning at Morgan Stanley in Portsmouth, NH.

An attorney and CERTIFIED FINANCIAL PLANNER™, Sarah brings an organized and empathic approach to her client relationships. Working together, Sarah assists clients in setting and achieving goals in order to live the life they imagine.

Sarah is a member of the firm’s Professional Development Committee and its Behavioral Finance Subcommittee.

Sarah writes articles on personal finance for Seacoast Moms, a collaborative website written by moms for moms in the seacoast area. She is also member of the Seacoast Women’s Giving Circle, a former Vice President of the Seacoast Repertory Theatre Board of Trustees and a 2012 graduate of Leadership Seacoast.

A former competitive mountain bike racer, Sarah now embraces yoga and outdoor activities with her family, especially hiking and downhill skiing. Originally from upstate New York, Sarah lives in Madbury, New Hampshire with her husband Dan Clapp and their three daughters.

RETIREMENT DREAM

_{Spending summers in Rangeley, Maine and winters sailing with my husband and our family.} 

What would people be surprised to know about you?
During college I attended a USA Cycling Olympic training camp for mountain bike racing in Flagstaff, Arizona.  We were featured in a magazine and I still have a copy to prove it! 

If you weren’t in this profession, what else would you be doing?
I would be a professional organizer during the day and attempting to be a stand-up comedian at night.

What did you want to be when you grew up?
I wanted to be a courtroom lawyer who advocated for good people and just causes.

What do you think are the best skills that you bring to your job?
My ability to connect with people in order to understand their goals. I am passionate about helping people set and achieve their financial and life goals.

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Bachelor of Arts, Economics
University of New Hampshire 1977

JD (Juris Doctor) 
University of Maine School of Law 1982

Samuel Reid, JD, CFP®

Senior Financial Advisor

Sam joined Charter Oak Capital Management in the fall of 2006. He has been a practicing attorney since 1982 specializing in estate planning and probate law, as well as representing many small business owners. Sam became a CERTIFIED FINANCIAL PLANNER™ after observing many of his legal clients needing objective financial advice.

Sam is a member of the firm’s Professional Development Committe and its Financial Planning Subcommittee.

Sam is very involved in community service. He serves as President and a Board member of the Southeast Land Trust of New Hampshire, a land conservation organization in southeast New Hampshire. He serves as Vice President of the Strafford Economic Development Corporation, a non-profit economic development organization located in Dover, NH.

Sam lives in Dover, NH.  He is an avid runner and participates in area road races on a regular basis.

Retirement dream 

_{Spending time volunteering for local non-profit organizations.}

What would people be surprised to know about you?
After I graduated from the University of New Hampshire I worked for Pratt & Whitney Aircraft in East Hartford, CT writing COBOL computer programs.  The young advisers find that very funny as they claim I am technologically challenged.

If you weren’t in this profession, what else would you be doing?
I would be using my law degree to help my clients with their estate planning needs.

What did you want to be when you grew up?
I wanted to be an architect.  In retrospect, that is crazy as I cannot draw a straight line and do not have a creative bone in my body. 

What do you think are the best skills that you bring to your job?
I genuinely care about doing what is best for the people I am fortunate to assist.  My father was a Professor of Finance so money matters are part of my DNA.  Between that and my experience as an attorney, I believe I have a great deal of experience to help my clients accomplish their goals in the best manner possible.  

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Certified Public Accountant (CPA)

Bachelor of Science, Accounting
University of Colorado 1976

Eugene Akerberg, CPA, CFP®

Senior Financial Advisor

Gene joined Charter Capital Management in 2003 and has been serving the investment and taxation needs of his clients, which include individuals and their families, since 1976.

A Certified Public Accountant (CPA) since 1978 and a CERTIFIED FINANCIAL PLANNER™ since 1994, Gene is a longstanding member of the American Institute of Certified Public Accountants and the Financial Planning Association. He spends many hours each year keeping up with the latest tax pronouncements and tax court decisions.

Gene uses an educational approach to help his clients build retirement-planning solutions that seek to minimize potential tax burdens.

Gene is a member of the firm’s Professional Development Committee and its Investment Subcommittee.

In addition to serving his clients, Gene applies his financial acumen by serving on Boards of several local non-profit religious, educational and veterans organizations. He is also an active member of the business community, having served many years as a Director and two terms as the President of a local chamber of commerce.

Gene and his wife Joyce live in Milton, New Hampshire and have seven grown, married children.

Retirement dream

_{Teaching all my grandchildren how to navigate a sailboat on Lake Winnipesaukee.}

What would people be surprised to know about you?
As a freshman at Penn State, I played 1st base on the extension campus baseball team.

If you weren’t in this profession, what else would you be doing?
Sailing.  As an experienced blue water sailor, I love the solitude of the open ocean, especially at night.  I don’t have (or want) my own boat, but I occasionally answer “crew wanted” ads from owners needing help moving their sailboats to and from the Caribbean – a trip that often means being out of sight of land for up to a week at a time.

What did you want to be when you grew up?
I grew up in a steel town in Western PA, where almost everyone’s father worked in the mills; and after high school, that’s where many of my friends ended up.  As a child, I can’t recall ever dreaming of working in any specific occupation, but I do remember resolving to never work in the steel mills.  

What do you think are the best skills that you bring to your job?
As an accounting and tax professional with over 40 years’ experience, I am able to help Charter Oak’s clients develop tax advantaged accumulation and distribution strategies.  After all, it’s not what you earn, but what you keep that counts.

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Bachelor of Arts
Roger Williams University 2012 

Emma Bean, CFP®

Partner, Senior Financial Advisor

Emma joined Charter Oak Capital Management in the Fall of 2015. She began her wealth management career at Morgan Stanley, where she specialized in comprehensive financial planning.

As a CERTIFIED FINANCIAL PLANNER™, Emma works closely with clients and their families to identify goals, evaluate available resources and develop a personalized financial plan. Using an attentive ear to identify what is most important to clients, Emma then crafts a personalized roadmap and uses a unique process to implement and monitor their plan.

Emma is a member of the firm’s Professional Development Committee and is Chair of the Financial Planning Subcommittee.

A native of southern Maine, Emma lives in Wells with her husband, Chris, and their children, Jackson, and Julia.  Together they enjoy getting outdoors, hiking, biking, and spending the summer weekends at the lake.

Retirement dream

_{To spend time traveling the world with family and seeing all the beautiful undiscovered beaches.}

What would people be surprised to know about you?
I lived in Spain for 5 months, traveled all through Europe and was fluent in Spanish. I haven’t spoken Spanish in many years, but I am hopeful it will come back to me if I ever need it someday.

If you weren’t in this profession, what else would you be doing?
I would love to be a travel agent! I love looking at new places to travel, finding good deals and creating new adventures. Colleagues at Charter Oak will ask me for help when they need to find a flight, rent a car or are planning a family vacation.

What did you want to be when you grew up?
I always wanted to be in a career where I had the ability to help people. I went through a short stint where I wanted to be a nurse but quickly realized I didn’t have the stomach for that career.

What do you think are the best skills that you bring to your job?
I love helping clients come up with creative ways to reach their goals. Retirement planning for many clients isn’t black and white and frequently requires some “out of the box” thinking. After creating thousands of financial plans, I have developed a great toolbox of creative planning ideas.

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Bachelor of Science, Finance
Bentley College 2006

Master of Science, Financial Planning
Bentley University 2011

Jessica Kreger,  CFP®

Financial Advisor

Jessica joined Charter Oak Capital Management in the Fall of 2020. She began her career in wealth management in 2005, starting as an intern at Sensible Financial Planning and Management in Cambridge, MA.  She has more than 12 years of experience in wealth management, having held a range of roles at three different Registered Investment Advisor firms. Her last position was as a Financial Advisor at Robinson Smith Wealth Advisors where she worked with a diverse group of clients, helping them with their most important financial goals.

Jessica enjoys building relationships with her clients, learning not only about their financial goals, but also understanding their concerns.  This approach helps her as she works with her clients to develop a financial plan that allows them to live and enjoy life without a lot of financial worry. 

She is a member of the firm’s Professional Development Committee and its Investment Subcommittee.

Jessica is a native of Scarborough, Maine and settled with her family in Eliot, Maine after living in the Boston area for ten years.  She and her husband, Matt, have two young children, Hudson and Gracelynn, and two dogs.  In her spare time, Jessica enjoys playing golf, going to the beach, hiking, do-it-yourself projects around the house, and indulging in all the delicious seafood Maine has to offer.

RETIREMENT DREAM

_{Traveling with her husband across the country and living in a different location every month.} 

What would people be surprised to know about you?
I have traveled to many places around the world including Japan, Israel, and Europe. I’m very content staying at home, but I also love exploring new places, trying new foods, and learning about different cultures.

If you weren’t in this profession, what else would you be doing?
I would “flip” houses. I have a certificate in Interior Decorating and Staging and I really enjoy taking something old and worn and making it beautiful again. 

What did you want to be when you grew up?
I had ideas of being an architect or going into advertising, but I was immediately drawn to the financial planning profession after taking a course in college.  I was intrigued by the opportunity to use my skills in math and numbers to help people and make a positive impact in their lives.

What do you think are the best skills that you bring to your job? 
I’m highly organized, pay close attention to details, and I am a good listener.  I believe the combination of these skills allows me to deliver exceptional service to my clients, working with them to find the best solution for their situation.  It’s really important to me to go above and beyond to ensure my clients’ questions are answered, and that they have a good understanding of what I’m doing for them.

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

Certified Tax Specialist™
Institute of Business & Finance

Financial Planning Certification
Boston University

Bachelor of Arts
University of Maine

Alicia Chiamulera, CFP®, CTS™

Financial Advisor

Alicia joined Charter Oak Capital Management in the fall of 2018 as a Financial Advisor. Most recently, she was an Associate Financial Advisor at O’Brien Wealth Partners in Boston, Massachusetts.

Her professional career has included paralegal and wealth management experiences in New York, Washington, D.C., and Boston.

Alicia is passionate about fostering healthy advisor-client relationships through sound financial planning and investment and assists our Senior Advisors in these efforts.

A native Mainer, she and her husband, Rob, live in Scarborough, Maine. She enjoys hiking, swimming, kayaking and traveling domestically and abroad.

Retirement dream

_{Travel the country in an airstream visiting national parks.}

What would people be surprised to know about you?
My happy place is at the ocean; my passion is to swim! You can find me in water as often as it is possible. I even participate in an annual ocean dip in January!

If you weren’t in this profession, what else would you be doing?
I would be a therapist.  I love to listen to people and provide them with perspectives that help them solve problems.

What did you want to be when you grew up?
I wanted to be in the Peace Corps. I thought that traveling the world, learning about different cultures and helping people would be the ultimate job.  I tried this out by taking a three-month internship in Ghana after college. There I helped rural business owners create a system of loans in order to eventually qualify for a business loan through a traditional bank.

What do you think are the best skills that you bring to your job?
I’m a pretty calm and collected person. It takes a lot to throw me off balance. This provides clients with an open and supportive environment to share their perspectives.

University of South Carolina, MBA International Business - 2010

North Carolina State University, BA - 2000

James Bossieux, MBA, CFP® CIMA®

Director of Investments, Financial Advisor

James joined Charter Oak Capital Management in 2022, after spending more than a decade working for Vanguard, one of the largest asset managers in the world.

James was drawn to Charter Oak to fulfill his deep desire to help people achieve financial independence and confidence. His aim is to simplify the overly complex financial world by really listening to his clients, understanding not only their financial needs and wants, but also their families’ goals and dreams. James is a member of the firm’s Professional Development Committee and a member of the Investment Subcommittee.

Passionate for giving back to youth and his community, James serves as Treasurer of his town’s soccer board, as well as serving as finance chair for South Church in Andover. He also volunteers as head coach for several area soccer teams.

James resides in Andover, Massachusetts with his wife, Sarah, his three children and golden retriever, Nacho.

What would people be surprised to know about you?

I am color blind. Which is why I try to simplify the financial world – too many color-coded charts and graphs!

If you weren’t in this profession, what else would you be doing?

Landscape architect. It is really satisfying to design a plan to improve something, and then be the one who gets dirty implementing it. There is something great in seeing the plan grow and mature and take shape over time. Also, great to leave things a little better and nicer than you found them.

What did you want to be when

you grew up?

A carpenter. During summers in high school and college I worked with a friend’s uncle doing rough carpentry for custom homes in the greater Detroit, MI area. I loved being a small part of putting something together, working as a team, and the feeling of accomplishment each week. As time went on I came to really appreciate how hard they worked, the toll the job took on their bodies, and how tough it was working through Michigan winters. Their hard work kept me motivated throughout college.

Financial Paraplanner Qualified Professional™
College for Financial Planning

Bachelor of Arts
University of Maine 1997

Katy Carr, FPQP™

Associate Advisor

Katy joined Charter Oak Capital Management in the Spring of 2016. Katy began her financial services career in 2000 at A. G. Edwards in Portsmouth, NH and in 2013 became a Vice President, Financial Advisor at York Investment Partners.

A seasoned financial services professional, Katy helps clients identify their goals and manage their investments through market conditions.

Katy is a member of the firm’s Professional Development Committee and its Behavioral Finance Subcommittee.

Katy is active in the community, volunteering her time with End 68 Hours of Hunger, Make a Wish of Maine, as well as York’s elementary schools and youth programs.

In her spare time, Katy enjoys watching her children play ice hockey, summer days at the beach, travel and boating off the coast of Maine. Originally from South Freeport, Maine, Katy lives in York Harbor, Maine, with her husband, Jason and their three children, Jillian, Bradley and Ryan and their black Labrador retriever, Rudder.

Retirement dream

_{Traveling with my husband to the northern villages of England visiting the historic sites and charming British countryside.}

What would people be surprised to know about you?
I played rugby in college, as a hooker. Definition - hooker: the player in the middle of the front row of the scrum, who tries to hook the ball. 

If you weren’t in this profession, what else would you be doing?
I would love to run the local End 68 Hours of Hunger program for children.  It is heartbreaking when children come back to school on Monday morning and haven’t had a meal since they left school on Friday.

What did you want to be when you grew up?
A physical education teacher for elementary school age children.

What do you think are the best skills that you bring to your job?
Teamwork.  I enjoy working collaboratively and truly believe the old adage “two heads are better than one”.  

CERTIFIED FINANCIAL PLANNER™
College for Financial Planning

John Wilson,  CFP®

Paraplanner

John joined Charter Oak Capital Management in March 2024. He has completed the education and examination for the CERTIFIED FINANCIAL PLANNER™ designation and will satisfy the experience requirement under the guidance of the Financial Advisors at Charter Oak Capital Management.

John was drawn to Charter Oak due to its fiduciary focus and the high level of care being delivered by each member of the Charter Oak team. He aims to guide clients to their retirement while helping them navigate transitions and life events to live their best lives.

John lives in Portsmouth with his wife, Marie, and their adopted cat, Doodle. He enjoys participating in local sports, including cycling, running, and pond hockey at Strawbery Banke during the winter.

RETIREMENT DREAM

_{My wife always talks fondly of her experiences growing up in Belgium, Switzerland, and France. My dream is to visit all these places with her again.}

What would people be surprised to know about you?
I enjoy playing Pickleball with friends. This has surprised a few of the Charter Oak team members, who were under the impression that I was "too young” to be playing the nation’s fastest-growing sport.

If you weren’t in this profession, what else would you be doing?
Growing up, I participated in many different sports, which helped me develop a competitive and team-driven mindset. I would love to be involved in owning a sports facility that allows for the training and development of individuals of all ages and economic backgrounds.

What did you want to be when you grew up?
Like many kids, I dreamed of becoming a professional athlete playing for the Detroit Lions or Detroit Red Wings. Around high school, I realized the skill gap from the kids on the professional path. My goals adjusted to playing a few more years at the Division 3 level and supporting my favorite teams from the sidelines.

What do you think are the best skills that you bring to your job?
I was born into our family tradition of volunteering at our local Meals on Wheels foundation. This gave me a powerful desire to help people from all economic backgrounds and helped me understand the struggles that many may face in retirement. This led to my interest in the financial planning industry and the desire to help others begin the conversation earlier in life, with the goal of helping individuals have more options and choices in their golden years.