Charter Oak Asset Management, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$74,082,146
This total excludes 3 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
114
29% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
114
Very HighAverage account size
$649,843
About
Charter Oak Asset Management is a small, state‑registered investment adviser that serves individuals, high‑net‑worth clients, retirement plans, trusts, corporations and non‑profit organizations, generally subject to a $250,000 relationship minimum. The firm provides discretionary portfolio management through its proprietary Managed Account Programs (MAPs), along with purchase advisory services for individual fixed‑income securities and hourly consulting, and also offers life, accident and health insurance products through a licensed producer.
The firm’s MAPs use a strategic asset allocation framework across equity and fixed‑income fund portfolios and emphasize active management, with positions adjusted based on charting, economic and technical analysis. Charter Oak reports program results quarterly, sending clients performance comparisons versus the S&P 500 and a three‑year average beta for each MAP, and invests client assets primarily in mutual funds, ETFs and bank CDs held at major custodians.
Noteworthy for a firm of its size, Charter Oak publicly reports MAP performance and provides routine benchmarked performance letters to clients—an uncommon disclosure among peers. It also operates an in‑house licensed insurance producer and may receive insurance commissions and soft‑dollar research credits, which the brochure discloses as potential sources of additional compensation.
Client services
Portfolio management
Consulting
Expertise
Active portfolio management
Fee options
$250,000 - $500,000: 1.50% annually Over $500,000 - $2,500,000: 1.25% annually Over $2,500,000+: Negotiable
$325.00 per hour plus out of pocket expenses
Account minimum: $250,000
Main office location
Charter Oak Asset Management, Inc.
1520 Highland Ave
Cheshire CT 06410-1276, United States
Number of offices
1
Most active in
Charter Oak Asset Management, Inc. has reported serving >5 clients in these states in the last 12 months.
Connecticut · Florida
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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