Charlesworth & Rugg is an independent investment advisory firm registered with the SEC. Since 1976 we have specialized in managing portfolios for individual investors, corporations, retirement plans, trusts and foundations.
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.
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.
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.
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.
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.
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.
Income Tax Planning
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.
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.
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.
Our annual advisory fees for retirement plan services are calculated simply as a percentage of assets under management. That's it.
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.
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.
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.
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.