We believe there is a better approach to investing

- and when thoughtfully combined with prudent financial planning it can produce better outcomes for our clients.

Better outcomes mean more to us than just our clients' overall wealth - we care most about our clients' well-being. 

 
 

Investment Management

 Prudent asset management and investment advice for today's complex, fast-paced world.

Prudent asset management and investment advice for today's complex, fast-paced world.

We consider ourselves to be students of the market.  We have learned from the past and are applying this knowledge to our investment approach by building modern, cost effective portfolios rooted in both academic theory and practical real-world experience.  Our team’s backgrounds and expertise range from academia to the institutional arena in the areas of mutual funds, ETFs, private equity, real estate, and fixed income trading. 

Independent fiduciary

We seek to avoid all possible conflicts of interest and never receive commissions or revenue sharing. We act as a Fiduciary to our clients - what's in our clients’ best interest is in ours too.  That's how we have been doing business for the past 40 years.

globally diversified

We live in a global economy and believe a properly diversified portfolio should reflect this world view. We believe exposure to numerous markets is essential to providing superior risk adjusted returns over time, in addition to providing appropriate risk management for our clients. 

multidisciplinary approach

We combine elements of academic theory with technical, fundamental, and macroeconomic analysis when structuring our investments. By combining strategic investment allocations with alternative investments and major long-term trends we are able to provide better diversification and custom tailored solutions.


Financial Planning

 We believe your advisory team should understand not just your financial goals, but your life goals too. 

We believe your advisory team should understand not just your financial goals, but your life goals too. 

An effective financial plan is a roadmap to help our clients achieve what is most important to them. Our priority is to use our skills and experience to structure a plan that is first and foremost useful to our clients. 

Our process

One size does not fit all, especially when it comes to financial planning. We take a holistic approach to understand our clients' financial objectives, questions and concerns. 

 

our difference

We work as a collaborative team to provide our clients with a seamless and integrated service. We view the financial plan as a vital component of us providing meaningful value to our clients. 

 
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Planning areas

 

Investment Planning

Retirement Planning

Financial Statements

Insurance Planning

Income Tax Planning

Estate Planning

 

Confidence in the future

A financial plan can also provide a clear path forward. This clarity helps drive our clients to a more empowered and confident outlook in their future. 

PEace of mind

A successful plan provides peace of mind that the individual has the tools and methods to accomplish, maintain or achieve what is most important to them. 

 

To find out if the team at Charlesworth & Rugg, Inc. may be a good partner for you on your financial journey contact us today.


Retirement Plan Services

We provide Retirement Plan Services that deliver an easy to implement 401(k) program for plan sponsors.  We believe in providing straightforward pricing without any hidden fees or conflicts of interest that can eat away at your participants' returns.

 We pride ourselves on understanding your needs and building a cost-effective, institutional quality solution for your firm.

We pride ourselves on understanding your needs and building a cost-effective, institutional quality solution for your firm.

Charlesworth & Rugg, Inc. can partner with you to streamline your company's retirement plan.

Transparent pricing

Our annual advisory fees for retirement plan services are calculated simply as a percentage of assets under management. That's it. 

SOphisticated Plan Options

Get access to Target Date Funds, our proprietary C&R Model Portfolios, or participants can build their own portfolio from a curated list of mutual funds. 

Enhanced fiduciary protection

We provide valuable ERISA 3(38) Investment Management Services for our clients' retirement plans. We act as a Fiduciary to the plan taking some of the burden from you, the plan sponsor. 

Personalized participant education

At Charlesworth & Rugg, Inc. your company and participants get access to our entire group of experienced financial professionals, not just one advisor. In addition to our regular meetings, your participants are encouraged to contact us with any questions.

Find out how we help participants make the most of their retirement savings while delivering you a high-quality and cost-effective company 401(k) plan. 

Whether or not you already have a retirement plan, or are looking to start one for your business, we can partner with you to get you going, or give you an honest evaluation on how your current plan stacks up. Either way, we are happy to provide a complimentary consultation.