ChartHouse Capital

What ChartHouse Capital does

ChartHouse Capital is a privately held independent financial planning and investment advisory firm headquartered in Hingham, Massachusetts, founded in 2008 by three former Merrill Lynch advisors (Edward J. Marinucci, Jesse P. Bessett, and Thomas M. Williams) who departed after Bank of America's acquisition of Merrill Lynch during the global financial crisis. The firm delivers comprehensive wealth management services to affluent individuals and families, business owners, non-profit organizations, and institutional clients, with a stated focus on unbundling client account management from the large-bank investment banking model.

The firm's service portfolio spans five core products — Financial Planning, Wealth Management, Retirement Planning, Estate Planning, and Investment Advisory — supplemented by add-on modules covering insurance strategy, college planning, tax planning, 401(k)/IRA rollover consulting, financial calculators, a 200+ term glossary, and tax resources. Its operational technology stack is conventional rather than proprietary: MoneyGuide Pro for goal-based financial planning, AccountView Online for client account access, and LPL Research publications for market commentary. The firm holds no patents, trademarks, or proprietary AI/ML capabilities, and operates without a public mobile application, SDK, or API.

The business model is fee-based and recurring: the majority of client accounts are advisory relationships billed as a flat percentage of assets under management (AUM) on an annual cadence, with specific rates not publicly disclosed. Securities are delivered through LPL Financial (FINRA/SIPC member) and investment advice through Flagship Harbor Advisors (a Registered Investment Advisor), which provides ChartHouse with broker-dealer and RIA infrastructure without requiring in-house regulatory buildout. The firm is registered to serve residents of 28+ U.S. states, DC, and the U.S. Virgin Islands, but operates from a single Hingham office. Headcount is 1–10, with no disclosed funding rounds, M&A activity, or expansion beyond the founding three-partner team since inception.

Name

ChartHouse Capital

Legal name

ChartHouse Capital LLC

Website

https://charthousecapital.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

ChartHouse Capital is a Hingham, MA-based independent financial planning and investment advisory firm founded in 2008 by three former Merrill Lynch advisors, serving affluent individuals, families, business owners, non-profits, and institutional clients with AUM-based recurring advisory fees.

Ownership category

akta.pro rank

Headquarters

HQ city

Hingham

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Advisory Fees (AUM-based): The majority of client accounts are Advisory relationships wherein the firm bills a flat fee as a percentage of assets under management (AUM). This creates a recurring revenue stream aligned with client asset growth.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ChartHouse Capital is a financial planning and investment advisory firm that provides independent investment advice and asset management services to private clients and businesses. The firm develops customized financial plans using MoneyGuide Pro software and delivers comprehensive wealth management, retirement planning, estate planning, investment advisory, tax planning, college planning, and insurance services, with securities executed through LPL Financial and investment advice provided through Flagship Harbor Advisors.

Product overview

ChartHouse Capital operates as a unified financial planning and investment advisory firm offering a comprehensive suite of services centered on Financial Planning, Wealth Management, Retirement Planning, Estate Planning, and Investment Advisory. The core offering combines advisory services with planning software (MoneyGuide Pro) and integrates insurance, tax planning, and college planning as supporting modules. Additional tools include financial calculators, a 200+ term glossary, and tax resources. Securities services are delivered through LPL Financial. The firm was founded in 2008 by former Merrill Lynch advisors to provide independent, client-focused wealth management separate from investment banking complexity.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service that establishes a plan specific to each client's needs through goal setting, fact finding, plan development, implementation, and regular reviews. Designed for affluent individuals and families seeking structured, ongoing financial guidance.
• Wealth Management Flexible asset allocation management tailored to individual objectives, with responsive adjustments as capital markets change. Targets affluent clients seeking customized portfolio management aligned to personal goals.
• Retirement Planning Retirement planning strategies that address longer life expectancies, retirement income sources, Social Security optimization, and maintaining desired lifestyle in retirement. Built for individuals and families approaching or in retirement.
• Estate Planning Estate planning service focused on tax reduction strategies, working in conjunction with client attorneys to implement wills, trusts, and advance directives. Intended for clients seeking to transfer wealth to loved ones.
• Investment Advisory Independent investment advice and asset management services delivered through LPL Financial (member FINRA/SIPC) and Flagship Harbor Advisors (Registered Investment Advisor). Available to private clients and businesses.
• Insurance Services Insurance strategy service covering personal insurance, liability insurance, life insurance, long-term care, and disability income protection. Provided to individuals and families seeking integrated risk management.
• College Planning

Quantifiable outcome

• Free consultation offered to new prospects

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• LPL FinancialcoreChannel Partner/ Reseller/ DistributorSecurities offered through LPL Financial, member FINRA/SIPC. LPL Financial is a leading independent broker-dealer that provides brokerage services and platform infrastructure for ChartHouse Capital's advisory practice.
• Flagship Harbor AdvisorscoreChannel Partner/ Reseller/ DistributorInvestment advice offered through Flagship Harbor Advisors, a Registered Investment Advisor. ChartHouse Capital LLC and Flagship Harbor Advisors are separate entities from LPL Financial.
• MoneyGuide ProcoreTechnology or IntegrationMoneyGuide Pro is a powerful, goal-based planning software tool used as the basis of client financial plans. This technology enables customized financial planning for each client.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Creative Planning: National RIA providing comprehensive wealth management, financial planning, retirement, and tax services to high-net-worth individuals and families. Comparable in holistic service offering and AUM-based pricing but operating at a much larger scale.
• Fisher Investments: Large RIA primarily serving high-net-worth individuals and institutional clients with discretionary investment management and financial planning. Comparable in target client and AUM-based fee model but at materially greater scale and with a more centralized investment process.
• Edelman Financial Engines: Large national RIA combining financial planning, investment advisory, and retirement plan services for individuals and families. Comparable in holistic-planning value proposition and AUM-based pricing but operating at significantly greater scale.
• Vanguard Personal Advisor: Hybrid robo-advisor offering investment advisory and financial planning to affluent Vanguard clients at low AUM-based fees. Comparable in target client and service offering but competes on price at a level small independent RIAs cannot match.
• Mariner Wealth Advisors: Large national RIA offering comprehensive financial planning, investment advisory, retirement, and estate services to affluent individuals and families. Comparable in service breadth but materially larger scale, illustrating the consolidator category ChartHouse could join or compete against.
• Charles Schwab Wealth Advisory: Custodian-adjacent RIA offering investment advisory and financial planning to affluent retail clients. Comparable in AUM-based pricing and target client demographic but at vastly greater scale and with deep technology integration.

Emerging players

• Betterment: Digital-first wealth management platform offering automated investment advisory and financial planning. Comparable as an alternative for clients seeking basic financial planning and investment management, but competes primarily on price and digital convenience rather than personal advisor relationships.

Direct peers

• Cetera Financial Group: Independent broker-dealer and RIA support platform (formerly including Carson Group) that provides infrastructure for independent financial advisors. Comparable in advisor-support role, multi-state registration model, and consultative client relationship approach.
• Commonwealth Financial Network: Independent broker-dealer and RIA support platform serving independent financial advisors with a similar partnership structure to ChartHouse's LPL/Flagship Harbor model. Comparable in GTM (consultative advisor-led practice) and target client (affluent individuals and families).
• Flagship Harbor Advisors: SEC-registered RIA through which ChartHouse delivers its investment advisory services. Flagship Harbor provides RIA infrastructure to a network of independent advisors with a comparable AUM-based fee model and individual/family client focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ChartHouse Capital