Clarity for Every Step of the Journey
Straightforward answers to help you understand our services, our process, and how we work with clients like you.
We know that choosing a wealth management partner is an important decision. To help you feel informed and confident, we’ve answered some of the most common questions our clients ask about our services, process, and approach. If you don’t see what you’re looking for, please contact us, we’d be happy to talk through your specific questions directly.
Our minimum relationship size is $2 million in investable assets. While that serves as a guideline, our philosophy is about people first, not just numbers. We intentionally partner with a small number of families so we can provide the kind of boutique experience—personal attention, advanced planning, and proactive guidance—that larger firms often can’t deliver. This allows us to go deeper, stay engaged, and ensure each client feels like more than just an account—they feel like part of the CharMarLine family.
Yes. As an independent Registered Investment Advisor (RIA), we are legally and ethically bound to act in your best interest at all times. Unlike some financial professionals who only need to recommend “suitable” products, we are held to the higher fiduciary standard. We also do not earn commissions or incentives on products, ensuring that every recommendation we make is driven solely by what’s best for you.
We operate on a simple, transparent fee structure. Our compensation comes from a percentage of the assets we manage on your behalf—no commissions, no hidden incentives. This fee covers comprehensive wealth management, including investment management, ongoing financial planning, and coordinated tax planning in partnership with your CPA to help minimize your tax burden.
Our tiered fee schedule is:
- 1.00% on the first $1,000,000
- 0.75% on the next $1,000,000
- 0.60% from $2,000,000 to $5,000,000
- Over $5,000,000: Negotiable
Your investments are always held safely with an independent custodian. We partner with Charles Schwab, one of the most trusted names in the industry, to safeguard your accounts and provide you with secure access and clear reporting. This means your money is never held directly by us—giving you both transparency and peace of mind.