Charles River Wealth Management, LLC

Charles River Wealth Management advises individuals, high‑net‑worth clients, trusts, estates and charitable organizations, providing discretionary and non‑discretionary investment management as well as financial planning and retirement‑rollover advice. The firm reports managing roughly $110 million across about 100 client relationships and offers ongoing portfolio supervision and periodic financial planning engagements.

The advisor pursues a primarily long‑term, fundamental analysis approach and typically constructs diversified portfolios using mutual funds and ETFs, with bonds or individual equities used as needed; the brochure notes the firm will not use double or triple‑leveraged ETFs. Investment selection emphasizes expense ratios, manager tenure and fund performance, and accounts are monitored continuously with formal reviews at least annually.

Compared with many independent peers, Charles River explicitly includes charitable organizations among its client types and notes the use of third‑party ratings in its materials, both of which are less common in this peer group. The firm also operates through an institutional Raymond James platform that provides research, technology and other economic benefits, and the principal’s outside insurance licensure (with customary commission compensation) is disclosed as a separate business activity and potential conflict of interest.