Meaningful Support
Comprehensive Management
Fiduciary advice delivered remotely and in-person
Simple approach
A registered investment adviser firm committed to providing quality advice at a fair price. Fiduciary services of investment management, financial planning, and small business consulting with the flexibility to meet you online or travel to your home or office.
Dedicated to your financial success
A fee-only business model eliminates commissions and puts your objectives at the forefront. All of your appointments are held confidentially with private communication and individualized summaries.
In-person and remote meetings
Convenience above all – you’re covered with digital and home and office meetings. We’ll travel to you or meet over the web for your convenience.
Services designed for you
Financial Planning & Consulting
$1,000
Initial Plan
Thoroughly organize your finances using powerful technology and get personalized advice and guidance to fit your needs.
Fiduciary relationship
Web & mobile applications
Account aggregation & organizing
Goal development
Progression tracking
Budgeting
Cashflow analysis
Financial statements & projections
Tax planning
Investment policy statement
Retirement planning
Education planning
Insurance strategy with risk analysis
Estate planning & mapping
Real estate
Business analysis
Inheritance & windfalls
Debt management
Discount referral code to Trust&Will for estate planning documents
Comprehensive Portfolio Management
$125+
Monthly
Automate the day-to-day investment decisions across all of your household’s accounts, ensuring proper alignment with your customized financial plan.
Fiduciary relationship
Waived personal financial planning & consulting services fee
360° portfolio: Discretionary management of all household brokerage, retirement, annuity, and insurance accounts
Tailored portfolio designs
Investment due diligence
Quarterly rebalancing
Monthly performance reporting
Daily monitoring and alerts
Client Types for All Services
Individuals
Accredited investors
Families
Businesses
Charitable organizations
Trusts and estates
Pension and profit-sharing plans
Small Business Retirement Plans
Contact for pricing
New & Existing Plans
Employer sponsored retirement plans typically consult the services of a recordkeeper, third party administrator, and registered investment advisor.
New Plans
Fiduciary relationship
Complete start-up walkthrough
Most plans launch under 30 days
Most plans launch for less than $500 up-front costs
Payroll integrations save time and work
1 on 1 Participant education
Qualified default investments
Reporting
Existing Plans
Fiduciary relationship
Plan consultation and thorough assessment
Advisor-only change
Complete plan redesign (recordkeeper & TPA)
1 on 1 Participant education
Qualified default investments
Reporting
Community Financial Literacy
Free
No cost or commitments
We believe financial literacy is a basic human right. Our mission is to engage with your community to provide education, access to personal financial planning technology, and other resources to help families succeed.
Simple online enrollment
Web & mobile applications
Guided learning experience
Progression tracking
1 on 1 check-ins
Discount referral code to Trust&Will for estate planning documents
Fundamental Topics
Organization
Budgeting
Emergency savings
Debt management
Retirement savings
Education savings
Seminars Available
2 hour length
Financial Literacy Fundamentals
Financial Literacy for Retirees & Pre-Retirees
Meet your advisor
David DuCharme
Founder & Financial Advisor
Since joining the industry in 2016, I have treated my clients like family. In doing so, I have always strived to provide them with a wealth management solution that is transparent, diligent, and fairly priced. It is with these core beliefs in mind that I established DuCharme Wealth Advisors.
As an independent registered investment adviser, we challenge the industry standard of layering fees, outsourcing management, and offering arbitrary advice. Instead, we leverage institutional money management techniques and employ comprehensive financial planning to better serve our clients. Our goal is to provide the highest quality advice and service, so our clients can feel confident that their finances are in good order.
As an active investment manager, I firmly believe that your portfolio should evolve alongside changing economic situations. The same principle applies to your personal financial life. Along the way, you may encounter roadblocks, shifting priorities, and exciting opportunities. I am fully committed to being with you every step of the journey, providing education and guidance to help you achieve your financial goals.
I take great pride in our accessible and client-centric business model. Once you become a client, you will have a designated point of contact and consistent engagement. This ensures that as your life changes, we will be readily available to exchange ideas, analyze potential options, and assist you in making well-informed decisions.