# Charter Oak Capital Management

Charter Oak Capital Management is a Bank / Wealth / Trust based in Portsmouth, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Portsmouth, United States
- **Region:** North America
- **Address:** Portsmouth, NH, United States
- **Founded:** 2002
- **Assets under management:** Undisclosed
- **Website:** charteroakcm.com
- **LinkedIn:** https://www.linkedin.com/company/charter-oak-capital-management

## Regulatory record

- **CRD number:** 120870
- **SEC file number:** 801-64808
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-04-16T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/120870

## About

Founded in 2002 and headquartered in Portsmouth, New Hampshire, Charter Oak Capital Management operates as a registered investment advisor serving individuals, high-net-worth families, and business entities. The firm traces its roots to a period when the RIA channel was accelerating its break from the brokerage model, positioning Charter Oak to capture clients seeking fiduciary-aligned advice in northern New England. Charter Oak delivers portfolio management alongside integrated financial planning and retirement-planning services. The firm constructs client portfolios across public equities, fixed income, and mutual fund or ETF sleeves, with allocations typically shaped by individual risk tolerance and long-term income needs rather than institutional benchmarks. Its geographic book concentrates on New Hampshire and the broader New England region, where it competes with regional banks and national aggregators for mass-affluent and high-net-worth relationships. The firm operates from a single location in Portsmouth. As a privately held RIA, Charter Oak does not publicly disclose assets under management, total deployment, or headcount. No adjacent vehicles — such as a philanthropic foundation, real-asset arm, or club-deal platform — have been disclosed in the public record. In September 2024, the firm maintained its registration and disclosure filings with the SEC, consistent with its continuing operation as an active advisory practice. Charter Oak's structural character lies in its boutique RIA posture at a time when the industry is consolidating rapidly. Absent outside capital or a roll-up strategy, the firm remains an independent, founder-led shop — a model that gives it autonomy over investment decisions and client service cadence but limits the institutional-scale resources available to larger platforms.

## Questions

### What investment strategies does Charter Oak Capital Management run in-house?

Charter Oak provides portfolio management across traditional asset classes — public equities, fixed income, and mutual funds or ETFs — alongside financial planning and retirement-planning services. There is no public evidence of proprietary alternative-investment vehicles, direct private-equity deal-by-deal capabilities, or in-house venture strategies.

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Last updated: 2026-08-11T02:43:31.692Z

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