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How are we Compensated

Our Fees Are a Reflection of What We Believe

Working with a fee-based fiduciary firm like us means you’re getting advice and strategies that are never swayed by commissions, referral fees, or other non-transparent compensation. Instead, our firm is built on helping people like you develop and find financial freedom. It’s how we do business, and it’s what our Principals have been doing since 1992.

We Offer Value Beyond Investment Management:

  • Comprehensive financial and retirement planning
  • Portfolio construction and on-going management
  • Collaboration & coordination with your other trusted professionals
  • Estate Planning - helping construct Wills, Trusts, POA's
  • Tax planning and tax efficient investment management
  • Retirement coaching - helping you get to the finish line successfully
  • Constant communication and interaction with your team
  • In office face-to-face meetings as frequently as quarterly


Assets Under Management: First $350,000
Fee Percentage:1.5%
Assets Under Management: $350,000 to $1,000,000
Fee Percentage: 0.85%
Assets Under Management: $1,000,000 to $1,500,000
Fee Percentage: 0.75%
Assets Under Management: $1,500,000 to $2,000,000
Fee Percentage: 0.65%
Assets Under Management: $2,000,000 to $3,000,000
Fee Percentage: 0.55%
Assets Under Management: $3,000,000 to $4,000,000
Fee Percentage: 0.50%
Assets Under Management: $4,000,000 to $7,5000,000
Fee Percentage: 0.40%
Assets Under Management: $7,500,000 and up
Fee Percentage: 0.30%

our standard fee schedule

Our fees are inclusive of financial planning, retirement planning, investment management - helping you make smart financial decisions as you transition into Medicare, Social Security, selling your home, leaving your family a legacy, and more.  We have no hidden fees, no extra charges.   Our compensation is all-inclusive and fully transparent; you receive an itemized invoice each quarter with your statement, and you see the fee deductions on your custodial statements.

fees are negotiable for Unique situationS

Fees are typically deducted directly from your investment accounts.  We handle all the details, and you will see our fees reflected on your statements - there is no mystery to our compensation.  Our fees are based on your investment balances, when you do better, we do better, and vice verse - we are vested!

Assets Under Management

Fee Percentage

First $350,0001.50%
Next $650,000 ($350,000 to $1,000,000)0.85%
Next $500,000 ($1,000,000 to $1,500,000)0.75%
Next $500,000 ($1,500,000 to $2,000,000)0.65%
Next $1,000,000 ($2,000,000 to $3,000,000)0.55%
Next $1,000,000 ($3,000,000 to $4,000,000)0.50%
Next $3,500,000 ($4,000,000 to $7,500,000)0.40%
$7,500,000 and up0.30%

                                                    *Generally, Charter Oak requires a $350,000 household minimum of managed assets and a minimum annual fee of $5,000, or $1,250 quarterly,
                                                     however Charter Oak reserves the right to accept relationships at lower levels if Charter Oak deems appropriate.