facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog search brokercheck brokercheck

Learn more about Our Team

of Dedicated Professionals


Charter Oak AdvisoRs

Jeffrey Troiano, CRPC® Photo
Read Bio

Jeffrey Troiano, CRPC®

Managing Partner - Senior Financial Advisor
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!  

Samuel Reid, JD, CFP® Photo
Read Bio

Samuel Reid, JD, CFP®

Partner - Senior Financial Advisor
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®

Partner - 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.  

Lena Wyand CFP® Photo
Read Bio

Lena Wyand CFP®

Partner - Senior Financial Advisor
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.





Karen Zaramba, CFP® Photo
Read Bio

Karen Zaramba, CFP®

Partner - Senior Financial Advisor
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.

 


Todd Cesca, CRPC® Photo
Read Bio

Todd Cesca, CRPC®

Partner - Senior Financial Advisor
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, CRPC®

Partner - 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 on the Board of Directors of the United Way of York County, 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.





Eugene Akerberg, CPA, CFP® Photo
Read Bio

Eugene Akerberg, CPA, CFP®

Senior Financial Advisor
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.

Sarah Serling, JD, CFP® Photo
Read Bio

Sarah Serling, JD, CFP®

Financial Advisor
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®

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 is active in various community organizations. She is a 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.


Emma Bean, CFP® Photo
Read Bio

Emma Bean, CFP®

Financial Advisor
CERTIFIED FINANCIAL PLANNER™
College for Financial Planning
Bachelor of Arts
Roger Williams University 2012 

Emma Bean, CFP®

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 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 its Behavioral Finance Subcommittee.

In her spare time, Emma serves on the Board of Directors of Caring Unlimited, and enjoys biking, hiking and traveling. A native of southern Maine, Emma lives in Wells, Maine with her husband, Chris, their son, Jackson, and black Labrador retriever, Docker.


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.

Katy Carr, FPQP™ Photo
Read Bio

Katy Carr, FPQP™

Associate Financial Advisor
Financial Paraplanner Qualified Professional™
College for Financial Planning
Bachelor of Arts
University of Maine 1997

Katy Carr, FPQP™

Associate Financial 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”.  



Alicia Chiamulera, CFP® Photo
Read Bio

Alicia Chiamulera, CFP®

Associate Financial Advisor
CERTIFIED FINANCIAL PLANNER™
College for Financial Planning
Financial Planning Certification
Boston University
Bachelor of Arts
University of Maine

Alicia Chiamulera, CFP®

Associate Financial Advisor


Alicia joined Charter Oak Capital Management in the fall of 2018 as an Associate 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.