How We Help

If you’re like many people, your financial life is complex. You have certain long- and short-term goals, and many moving pieces that need to be coordinated to reach them. Going it alone can be stressful at best, and have unintended consequences at worst. We can help you connect the pieces of your financial life so that your plans work as efficiently as possible.

 

Risk Management

MAY INCLUDE:

Life Insurance
Disability Income Insurance
Long Term Care Insurance

You’ve worked hard to get where you are today, so protecting your finances is the key to a secure future. If something were to happen to you, it’s critical for you and your loved ones to be able to meet your obligations and maintain your standard of living. By building a financial safety net, you can prepare for the unexpected and create a legacy your loved ones can count on.

Business Planning + Protection

MAY INCLUDE:

Business Succession Planning
Buy-Sell Agreements
Business Overhead Expense Insurance
Executive Fringe Benefits
Employee Benefits Program

If you’re a business owner, it’s imperative to protect and preserve what you’ve created. Whether preparing for unexpected events—such as the death or injury of a partner or a key employee—providing meaningful benefits for your employees, or unlocking the true value of your business, we can help with strategies and solutions to help you achieve your goals.

Retirement Planning

+ Investments

MAY INCLUDE:

Estate and Trust Analysis
Securities Brokerage Services
Retirement Planning
Financial Strategies
College Funding Programs
Wealth Transfer Design and Funding

When you think about retirement, you may picture yourself enjoying hobbies, doing volunteer work or launching a second career. By planning for the next chapter of your life, your wishes can become a reality. Wherever you are in your journey, by protecting, managing and growing your assets, you’ll gain the confidence of knowing you’re prepared not only for the short term, but also for the road ahead—wherever it leads.

Fee-Based Financial Planning

MAY INCLUDE:

Protection Planning
Cash Flow
College Funding
Investments
Retirement
Estate Planning

We deliver a high-touch, team-based approach to helping you manage the many parts of your financial life. Working with us is like enlisting your own personal CFO to help you improve the efficiency of your wealth and lessen the risks that are associated with high net worth.

What We Offer

Tailored
Approach

No two clients are alike. Our process emphasizes what’s most important to you, and delivers solutions customized to your specific needs and goals.

Established
Roots

With offices throughout the Northeast, Charter Oak’s roots reach back to 1886. We’re proud to be one of the largest MassMutual firms in the U.S.

Unique
Perspectives

Our associates are former business owners, CEOs, and educators to name a few. Our experiences let us offer (and gain) insights that help build understanding and trust.

Authentic
Relationships

Cultivating authentic relationships makes our work possible—not to mention worthwhile. We care, and it shows.

Technology Tools
Ready to Get Started?

© Copyright 2023 Charter Oak Financial

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Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. Supervisory Office: 330 Whitney Avenue, Suite 600, Holyoke, MA 01040, Tel: (413) 539-2000.

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CRN202301-275994