Meaningful Support

Comprehensive Management

Fiduciary Advisors that partner with you

Simple approach

At DuCharme Wealth Advisors, we’re here to guide you confidently through life’s financial journey.

As your dedicated Fiduciary, we place your best interests at the center of everything we do. We deliver clear, personalized, and outcome-driven advice at a fair price.

With the flexibility to connect virtually or meet at your home or office, we make it easy to access expert guidance on your terms. Let’s work together to transform your financial aspirations into a secure and successful future.

Dedicated to your financial success

Our 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.

Comprehensive Financial Planning

  • We help individuals and families bring structure and intention to their financial lives. Whether you’re, building wealth, preparing for retirement, navigating a major transition, or just getting started, we offer independent, objective guidance backed by powerful tools and clear, actionable advice.

  • We work with you to define and prioritize financial goals across life stages, whether it’s saving for a home, funding education, retiring early, or leaving a legacy. Your plan tracks progress in real-time so you always know where you stand.

  • Understand how income, expenses, and savings work together. We analyze your monthly cash flow and identify ways to reduce spending leaks, increase savings, and allocate resources more intentionally.

  • Build a retirement strategy based on your ideal timeline, lifestyle goals, and available income sources. We model scenarios for Social Security, pension options, account withdrawals, and required minimum distributions to help you retire with confidence.

  • Identify tax-efficient strategies for income, investments, and withdrawals. We help you make use of tax-advantaged accounts, charitable giving strategies, and planning techniques like Roth conversions or loss harvesting. Collaboration with your tax advisor is encouraged.

  • Evaluate future education costs and implement funding strategies through 529 plans or other tax-advantaged vehicles. Whether you're planning for children, grandchildren, or your own continuing education, we help you stay ahead.

  • Evaluate real estate decisions in the context of your broader plan. Whether it’s a first home, investment property, vacation home, or downsizing strategy, we analyze the impact on cash flow, taxes, liquidity, and wealth transfer.

  • Strategically manage liabilities like mortgages, student loans, credit cards, or business debt. We help you evaluate refinancing options, prioritize repayment, and maintain the right balance between leverage and flexibility.

  • Assess your insurance coverage objectively. We review life, disability, long-term care, and liability protection to help ensure you and your family are prepared for the unexpected. As fiduciaries, we don’t sell insurance or receive commissions.

  • Ensure your assets are titled properly and your estate documents reflect your intentions. We review wills, trusts, POAs, and beneficiary designations, and provide clear visuals to support collaboration with your attorney.

  • We use modeling tools to test how your plan would perform under different economic conditions or life events. From market downturns to changes in health or income, this process helps build confidence in your strategy.

  • We offer planning on a fixed-fee basis. You retain control of implementation while receiving clear advice and planning documents. For clients who engage in portfolio management, planning services are included at no additional cost.

Portfolio Management

  • Our portfolio management service is designed to ensure every investment decision supports your long-term goals. We manage your accounts under a unified strategy tailored to your objectives, risk tolerance, and evolving financial plan. By combining institutional-quality research with disciplined oversight, we help you stay focused, invested, and informed.

  • We coordinate investment strategy across all your accounts—brokerage, IRAs, 401(k)s, annuities, trusts, and more—so your entire portfolio works together toward your goals.

  • Each portfolio is customized to reflect your time horizon, income needs, and personal preferences. We design with purpose, not products, using evidence-based strategies and diverse asset classes.

  • We apply tax-efficient investment strategies, including asset location, tax-loss harvesting, and thoughtful withdrawal planning, to help preserve after-tax returns.

  • We research and monitor every strategy, fund, and product we recommend. Portfolios are reviewed against performance expectations, market trends, and risk factors.

  • All accounts are monitored daily for deposits, withdrawals, cash levels, and unusual activity. We proactively reach out when something needs attention.

  • We rebalance portfolios quarterly—or more frequently as needed—to maintain alignment with your target asset allocation and reduce drift caused by market volatility.

  • You’ll receive clear, consolidated reporting each month and have ongoing access to performance, allocation, and historical trends through our client portal.

  • Tiered asset-based (AUM) fee. Comprehensive financial planning is included for all portfolio management clients at no additional charge.

Business & Charitable Solutions

  • We help business owners, nonprofit leaders, and philanthropically minded individuals align their financial strategy with their mission. Whether you’re building a company, running an organization, or stewarding long-term resources, we deliver planning, investment, and benefits solutions that integrate with your broader goals. Our support ranges from startup plan design to advanced financial strategy and board-level consulting.

  • We help draft or review Investment Policy Statements (IPS), then build and manage portfolios that reflect fiduciary standards, liquidity needs, and long-term objectives—whether for a foundation, donor-advised fund, or operating account.

  • We help design and manage 401(k), 403(b), SEP, SIMPLE, and other qualified plans for small businesses and nonprofits. Our process includes fiduciary oversight, employee education, cost benchmarking, and plan optimization.

  • We develop compensation structures that align with business performance, retention, and retirement goals. This includes nonqualified plans, profit-sharing, and benefit modeling for key personnel.

  • For businesses and nonprofits alike, we help assess income stability, spending priorities, and reserve strategies to support sustainability and strategic growth.

  • We work with leadership to develop forward-looking financial models, including scenario testing, long-term forecasting, and board reporting tools that support better decision-making.

  • We offer one-on-one participant education and financial wellness support to help your team make informed benefit choices and improve their financial outcomes.

  • We support individuals, families, and organizations in coordinating giving strategies, endowment planning, and charitable structures that align with their values and maximize impact.

  • Pricing varies based on engagement scope. Let’s discuss your needs and design a solution that fits.

Financial Literacy & Education

  • We believe that financial knowledge is a foundation for lasting confidence and better decision-making. Through education, we aim to close the information gap and empower individuals, families, and communities to take control of their financial lives. Whether through client conversations or public workshops, we’re committed to making financial literacy more accessible.

  • Every engagement includes personalized guidance. We take the time to explain planning concepts, investment principles, and tax strategies in clear, practical terms so clients understand the "why" behind every decision.

  • Our growing library of digital resources includes planning checklists, interactive tools, and guides designed to help people take meaningful steps, whether or not they’re a client.

  • We provide free educational sessions for schools, nonprofit organizations, and community groups. Topics range from budgeting and debt management to investing and retirement planning, customized to the audience.

  • This service is always free. We’re actively looking to partner with schools, community centers, and nonprofit organizations to expand access to quality financial education.

  • We support lifelong learning by offering ongoing educational touchpoints, seasonal updates, and opportunities for individuals to ask questions and stay informed.

  • There is no cost for this service. We are actively seeking opportunities to partner with schools, nonprofits, and local groups. If you’d like to request a workshop or explore how we can support your community, we’d love to hear from you.

Ready to Take the Next Step?

Whether you're just getting organized or already working toward specific goals, a brief conversation can help clarify where you stand and what comes next. Schedule a complimentary consultation to explore how our planning process can support your unique financial journey.