Charmarline Wealth Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$118,804,541
Clients
124
40% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
124
Very HighAverage account size
$958,101
About
CharMarLine Wealth Management is an independent, single-advisor registered investment adviser established in April 2025 that provides wealth management, investment management, and financial planning to individual and high‑net‑worth clients. The firm offers both discretionary and non‑discretionary portfolio management along with retirement/ERISA guidance and may refer clients to outside specialists for tax, legal, or estate matters.
The firm’s investment process is grounded in fundamental analysis with a primarily long‑term orientation; portfolios are typically constructed using low‑cost, diversified mutual funds and ETFs but may also include individual stocks, bonds, options, and, in some cases, alternative investments such as limited partnerships. CharMarLine emphasizes ongoing personal contact, periodic rebalancing, tax‑aware transactions (including harvesting gains or losses), and fiduciary treatment when advising on retirement accounts.
Several features distinguish CharMarLine from many solo independent advisers: despite being a one‑advisor firm with no additional staff, it reports a substantially larger asset base and a multi‑office presence, and it recently implemented a firmwide succession filing that relies on another registered adviser’s registration. The brochure also discloses an institutional relationship with Schwab that provides technology and operational benefits to the adviser, a relationship the firm notes can create conflicts of interest that it seeks to manage.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Active portfolio management
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $5,000,000: 0.60% $5,000,001+: Negotiable
Fee-only: Investment advisory fees based on tiered AUM schedule; fees paid quarterly in arrears.
Main office location
Charmarline Wealth Management
3831 Old Forest Rd, Suite 6
Lynchburg VA 24501, United States
Number of offices
2
Most active in
Charmarline Wealth Management has reported serving >5 clients in these states in the last 12 months.
North Carolina · Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")