Chatham Wealth Management

Chatham manages discretionary separately managed accounts, building portfolios directly from individual stocks and bonds rather than using mutual funds or ETFs as primary holdings. The firm emphasizes large-cap US equities and investment-grade municipal bonds, reflecting the tax profiles of its New Jersey client base. Each portfolio is customized to the client's risk tolerance and income needs, with the firm acting as a fiduciary under the Investment Advisers Act of 1940.

Yes. Chatham Wealth Management acts as a 3(38) investment manager for corporate 401(k) and other defined-contribution retirement plans. In that role, the firm assumes full fiduciary responsibility for selecting, monitoring, and replacing the investment options in the plan lineup — a higher standard than a 3(21) advisor who merely makes non-binding recommendations.

Based on the firm's public profile and regulatory filings as a traditional RIA, Chatham does not emphasize alternative investments such as private equity, hedge funds, or real estate funds. Its focus remains on publicly traded equities, fixed income, and retirement-plan advisory work — aligning with the needs of a suburban wealth-management client base that prioritizes liquidity and tax efficiency over illiquid institutional strategies.

Chatham Wealth Management is an independent, privately held firm with no outside institutional investors or private-equity backing. The firm's ownership structure — common among boutique RIAs — means the founder or a small group of senior advisors directly controls the entity, eliminating product-distribution pressures or asset-gathering quotas that can arise when an advisory practice is owned by a larger financial institution.

As a registered investment advisor, Chatham Wealth Management does not hold client assets directly. The firm uses a third-party qualified custodian — such as Charles Schwab, Fidelity, or BNY Mellon's Pershing — to safekeep client securities. This separation is required by SEC rules and protects clients in the event the advisory firm itself faces financial or operational distress.