After we meet for the first time, we leave it up to you to determine the next point of contact.  In fact, we always close our initial meeting by stating, "we'll wait to hear from you" and unlike some other firms, we mean it!  Follow-up questions are encouraged but we respect your time and ability to decide whether we are the right firm for you.  Quite frankly, the last thing we think you want is someone hounding you to become a client.  That’s never been our style, nor will it ever be!


Since our founding in 1987, nearly 100% of our clientele have come our way via referrals, exclusively, from either existing clients or a professional advisor (CPA/Attorney).  We work very hard for all of our clients and have been rewarded with very low client turnover.  Based upon our experience, few advisory firms match our track record of client origination and loyalty since 1987.


At Charter Oak, the President and owner of the firm invests the majority of his family’s personal liquid net worth in the same in-house, proprietary Managed Account Programs (MAPs) that we recommend to our clients and believes it never made any sense to do otherwise.  “Eating your own cooking” may indicate a lot about the faith one has in what Charter Oak has to offer.

When shopping around for an investment advisor, or when speaking with your current advisor, we strongly recommend you ask how much of their own money is invested in the same investment programs or products they're recommending to you.  If they indicate none or very little, don't be surprised.  Just wonder why.


Unfortunately, it has been our experience that a discussion of risk and volatility is all too often marginalized by our industry, perhaps because it might create doubt in the mind of a potential prospect and derail a sale.

Charter Oak takes a different approach.  We provide a historical perspective of the volatility/risk for each of our Managed Account Programs (MAPs) versus the S&P 500 stock market index.  The comparison is achieved via disclosure of the individual MAPs “beta”.  This statistical tool helps our clients gauge the historical risk/volatility of the MAP compared to something many investors seem to have a better feel for, the volatility/risk that the stock market has offered investors in the past.

We like to refer to our MAPs as “Lower Beta Strategies” because our MAPs have provided a beta that is typically below, and often well below, that of the S&P 500.  Our goal has always been to maximize our clients' risk-adjusted returns while limiting volatility.


The majority of our MAPs provide over 20 years of realized net performance data achieved during both favorable, and more importantly, unfavorable market cycles.  Our MAP track record represents actual, not hypothetical or computer simulated results, after the deduction of all maximum expenses.

We leave nothing to the imagination and offer complete transparency as to how each of our MAPs have performed versus their appropriate benchmarks.  It's been our experience that many investment firms cannot or will not offer potential clients a track record as long as ours.

It is important to note that past performance is never a guarantee of
future results for any investment program.