Charles J. Means & Co., LLC

The firm provides customized investment management to individuals, IRAs, trusts, estates, and charitable organizations, generally acting as a discretionary manager for client accounts. It operates as a fee-only adviser and does not accept commissions or sell commissioned products.

Recommendations are tailored to each client's financial situation, family status, and preferences, and portfolios are implemented primarily with equities, fixed income, mutual funds, and ETFs through institutional custodians. Security analysis uses fundamental, technical, and cyclical methods, accounts are reviewed at least quarterly, and the firm does not offer standalone financial planning or hourly planning engagements.

Notably, the firm frequently serves in operational fiduciary roles — acting as trustee, executor, or bill‑payer — and reports custody on about 23% of client accounts because of those arrangements; it may also assist with fiduciary tax returns and, with client consent, charge additional trustee/estate or bill‑paying fees. The adviser is relatively small (about $91 million in assets under management), maintains succession agreements for client transfers, and has one past regulatory matter stemming from a filing oversight that was resolved with state authorities.