Experience financial advice on your terms
Connecting with you
1
Free consultation
You’ll be asked a few questions to help us understand your situation and most immediate concerns.
2
Get organized
We’ll share a complete analysis of your current financial picture and outline several proposals best fit for your needs and preferences.
3
Strategize
Together, we’ll decide what strategy makes sense for you and your family.
4
Keep talking
Finally, we develop an ongoing communication schedule that fits your lifestyle, ranging from annually to monthly.
Why DuCharme?
Our business structure and investment philosophy provide for diligent financial advice and investment management with complete transparency and no hidden-costs.
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
Investment Philosophy
Our investment beliefs are founded on the basis that public domestic markets are efficient and that asset-allocation has the greatest impact on portfolio performance. We believe in a modern value investing approach which favors healthy companies with strong cash flows and strong earnings growth.
To remain cost-efficient and tactically flexible we utilize individual securities to craft investment portfolios where appropriate and can serve a variety of investor preferences from low-cost passive strategies to actively managed funds while screening for environmental, social, and governance standards.
When developing an investment policy we will work together to identify your target return, ability to bear financial risks, and tolerance for losses. By informing portfolio decisions with a goals-based financial plan and robust tax-planning your investment policy is truly customized.
Our assumptions and decisions are informed by our research partners including Charles Schwab, Argus Research, Morningstar, S&P Global, Vickers, Reuters, and CFRA.