Frequently Asked Questions
When was your company established?
Charter Research &; Investment Group, Inc., is an independently-owned, SEC Registered Investment Advisor founded in 1988 by Paula M. Luciani.
Does Charter Research & Investment Group, Inc. work under the Fiduciary Standard?
Yes, Charter Research & Investment Group, Inc. is a Registered Investment Advisor governed by the Investor Advisor Act of 1940 and regulated by the SEC and bound to the Fiduciary Standard. For information pertaining to the registration status of Charter Research & Investment Group, Inc., please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A fiduciary has a duty of loyalty and must put the interest of their clients ahead of their own, as well as have no conflicts of interest.
Does Charter Research & Investment Group, Inc. earn commissions?
No, Charter Research & Investment Group, Inc. is a fee-only fiduciary. We do not earn commissions, sell products or participate in transaction fees.
You said that you are a fee-only fiduciary. What determines your fee?
Our fees are billed quarterly in arrears based on the value of the client’s account at the end of that period.
Where are my assets held?
Charter Research & Investment Group, Inc. is not a broker-dealer and does not hold assets in their name or account.Client assets are held and securities purchased in each client’s account in their name at Schwab Institutional.
Do you use outside managers to invest clients’ assets?
No. We do not use outside managers. Investment management is our core business.
Are client’s portfolios individually managed?
Yes. We do not pool assets. Portfolios are customized utilizing individual stocks and bonds tailored to meet each client’s person goals and risk tolerance.
If you have additional questions or would like further information, please contact us.