When done right, investing should be devoid of the thrills associated with highly risky endeavors. The intelligent use of diversification techniques can temper long-term volatility. At Charter, we consistently stick to our investment discipline rather than react capriciously to market fluctuations in order to minimize portfolio impact of this volatility.

As a client of Charter, the portfolio management team will work directly with you to first identify you financial goals, risk tolerance, time horizon, liquidity needs and tax situation.

Once we have an understanding of your personal situation, we'll make a recommendation as to the appropriate mix of stocks, bonds and cash. Upon your approval, we begin our multi-step process of identifying those stocks and bonds that are best suited to achieve your investment goals.

With Charter as your investment manager, your assets are always held in your own personal account, in your name, with an independent custodian responsible for safeguarding your assets. You give Charter discretionary authority to buy or sell assets within the portfolio yet retain full control of all disbursements or transfers from the account. The custodian of your portfolio is a large bank or brokerage that settles all trades we make on your behalf, collects all income, disburses and receives cash, sweeps all idle cash into a money market fund, and provides your monthly statement.