Cary, NC Office

CharMarLine serves individuals and high‑net‑worth clients, providing wealth management that combines discretionary and non‑discretionary investment management with comprehensive financial planning and retirement‑account advice. The firm generally charges percentage‑of‑assets management fees and acts as a fiduciary in its client relationships.

The advisor primarily employs a fundamental, long‑term investment approach and constructs diversified, low‑cost portfolios using mutual funds and ETFs, while also incorporating individual stocks, bonds, and options when appropriate; it retains flexibility to rebalance or trade short‑term to meet client needs or market conditions. CharMarLine reports managing about $118.8 million in client assets across roughly 124 client relationships, with the bulk of assets managed on a discretionary basis.

Distinctive features include the firm’s recent founding in April 2025 combined with a relatively large reported asset base for a solo adviser, its disclosure that it has engaged unaffiliated sub‑advisors, and an institutional custody relationship with Schwab that provides technology and other economic benefits to the firm. The brochure discloses potential conflicts arising from custody‑related benefits and rollover recommendations; CharMarLine states it addresses these through a Code of Ethics, documented trading and allocation procedures, and regular account reviews.