Below are a few of the most common questions our clients have asked. If you have a question you don’t see listed here, feel free to get in contact with our team today, call (800)646-5720.
Are you a fiduciary? If so, what does that mean to me?
Yes, we are a fiduciary. That means we are obligated to put your interests above our own. We act with undivided loyalty to our clients by disclosing all aspects of our relationship and if there are any potential conflicts of interest.
What services do you provide and what are the costs associated with these services?
We offer comprehensive financial planning, investment management, and personal guidance services. As a fee-only firm, our compensation comes solely from you, our client. These fees are calculated based on the assets we manage on your behalf. Our fees are paid quarterly and cover all of the services we provide.
How often would I communicate or meet with my advisor?
The answer is as often or as little as you’d like. We like to customize our frequency of meetings based on what’s happening in your life. If you have an important milestone coming up, such as heading into retirement, we’re likely to meet more often. Otherwise, we’ll typically meet with you twice a year either virtually, for those of you who spend winters outside of New England, or in person.
What makes our client experience unique?
Great question! With so many advisors in the marketplace how do you know which one is right for you. We are a face-to-face, one-on-one, fiduciary advisor who's professionals have loads of experience. We get to know know you, your goals, needs and wants. We are not a "website" with call center and "standard" solutions or model portfolios. Everything we do is custom to you, our client, from your plan to your investments, to our frequent guidance and interactions.
What should I expect to learn from Charter Oak's financial planning process?
We offer a complimentary financial plan preparation for qualified prospective clients. This is typically a three meeting process and gives you the opportunity to see how we work, it is simply a chance to test the waters. At the end of our journey you will receive a comprehensive customized financial/retirement plan, and if you like your experience you can then decided to hire us. Whether we choose to work together or not, we’ll leave you with an actionable financial or retirement plan which you’re free to take with you.