Charter Capital Management, Inc (herein referred to as “CCM”) is an independent, fee‐only financial management firm offering investment advisory and financial planning services. CCM and its advisors function as a fiduciary to provide Wealth Management and Investment Management Services to individuals, high net worth individuals, trusts, pension and profit-sharing plans and foundations. CCM also provides Retirement Plan Advisory Services for employer sponsored, defined contribution, pension plans. CCM was founded in 1977 as an independent investment advisory firm. The firm is owned by Joel T. Hassler, Daniel R. Glaser, Alexandra M. Cali and Samuel P. Verhulst. As of March 14, 2024, CCM manages approximately $342.8 million on a discretionary basis and $13.1 million on a non-discretionary basis. When CCM provides investment advice regarding retirement plan accounts or individual retirement accounts, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with our clients’ interests, so we operate under a special rule that requires us to act in our clients’ best interest and not put our interest ahead of our clients’.
• Meet a professional standard of care when making investment recommendations (give prudent advice)
• Never put our financial interests ahead of clients when making recommendations (give loyal advice)
• Follow policies and procedures designed to ensure that we give advice that is in our clients’ best interest
• Charge no more than is reasonable for our services; and
• Give clients basic information about conflicts of interest. Wealth Management Services CCM provides wealth management services, with portfolio development and management tailored to meet the needs and investment objectives of the client. CCM continues to monitor these portfolios, updating and revising positions as deemed necessary

by CCM's research and analysis or as changes occur in the client’s investment objective. CCM invests in individual stocks and bonds, mutual funds, exchange traded funds, and money market securities for its managed accounts. CCM places trades for clients using its discretionary trading authority. CCM does not act as a custodian of client assets; the client always maintains control of assets. For its wealth management clients CCM also provides financial planning services which may include one or more of the following: retirement income planning, education funding, tax planning and strategies, estate planning, charitable giving, advising on employee benefits and social security, and insurance review. In the course of carrying out these services CCM may coordinate with the client’s accountant, attorney and insurance agent. Retirement Plan Advisory Services CCM provides non-discretionary retirement plan advisory services to assist the plan sponsor in meeting its fiduciary responsibilities. The services provided include membership on the plan’s Investment Advisory Committee in a 3(21) fiduciary capacity. As a member of the Investment Advisory Committee, CCM will prepare and maintain a written Investment Policy Statement, manage the committee’s selection of investment options, screen investment options against CCM’s proprietary screening matrix, control and account for all investments and investment expenses associated with the plan, and provide a set of investment models for the plan. CCM will monitor all service vendors and assist the plan sponsor as it works with the plan’s custodian, recordkeeper, and third party administrator to design and maintain the plan to meet the needs of the plan participants. CCM may provide general guidance to the plan sponsor with respect to qualified plan ERISA regulations. CCM may coordinate with the plan’s ERISA attorney and accountant as required. CCM also offers direct services to plan participants which may include group and individual education as well as enrollment services.