What Charter Financial Group does

Charter Financial Group is a privately held financial advisory and insurance practice founded in November 1999, headquartered in Lenoir, North Carolina, with a second office in Asheville. The firm serves individuals approaching or in retirement in Western North Carolina, offering an integrated suite of retirement planning services: retirement income strategies, investment management, tax-efficient strategies, legacy planning, IRA/401(k) rollovers, and property and casualty insurance.

The firm's core product is Market Guard®, a proprietary registered brand comprising a series of model portfolios built on a non-emotional, methodical, mathematical investment methodology. Investment advisory services are delivered through Impact Partnership Wealth, LLC (IPW), under which the firm operates as an Investment Adviser Representative; insurance products are offered separately through the Charter Financial Group insurance entity. Operational research and support are sourced from The Impact Partnership, an independent third-party firm in Marietta, GA.

Charter Financial Group generates revenue via recurring advisory fees (routed through IPW) and one-time insurance commissions, with a sales-led and event-driven go-to-market built around complimentary portfolio reviews and recurring financial seminars in Asheville. The firm is led by President and Investment Adviser Representative G. Allen Martin, supported by a small in-house team and the distributed Impact Partnership support function.

Name

Charter Financial Group

Legal name

Charter Financial Group

Website

https://charterfinancialgrp.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Charter Financial Group is a private financial advisory and insurance practice in Western North Carolina serving pre-retirees and retirees with Market Guard® model portfolios, investment advisory (via IPW), retirement income, tax, legacy, and property/casualty insurance services.

Ownership category

akta.pro rank

Headquarters

HQ city

Hickory

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Investment Advisory Services: Investment Advisory practice offering products and services through Impact Partnership Wealth, LLC (IPW), a Registered Investment Adviser. The firm acts as an Investment Adviser Representative providing personalized retirement planning and investment management services.
2. Insurance Products: Insurance products including property and casualty insurance, home, auto, and personal liability insurance. Offered through the insurance business Charter Financial Group.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Charter Financial Group is a financial advisory and insurance practice offering retirement income strategies, investment management, tax efficient strategies, legacy planning, IRA/401(k) rollovers, and property and casualty insurance to pre-retirees and retirees in western North Carolina. Its investment services are delivered through a proprietary Market Guard® model portfolio methodology, provided as an Investment Adviser Representative under Impact Partnership Wealth, LLC (IPW).

Product overview

Charter Financial Group is a financial advisory and insurance practice offering a comprehensive suite of retirement planning services. The core offering centers on Market Guard®, a proprietary series of model portfolios and investment strategies. Combined with Retirement Income Strategies, Investment Management, Tax Efficient Strategies, Legacy Planning, IRA/401(k) Rollovers, and Property and Casualty Insurance, the company provides integrated financial planning for individuals approaching or in retirement.

Differentiator

Problem solved

Functional benefit

Products and services

• Market Guard® Model Portfolios A complete series of proprietary model portfolios and investment strategies built on a non-emotional, methodical, mathematical methodology, designed to help clients preserve assets; delivered by Charter Financial Group as Investment Adviser Representative under Impact Partnership Wealth, LLC.
• Retirement Income Strategies Personalized retirement income strategies tailored to individual client needs, designed to optimize income streams and provide financial security during retirement for pre-retirees and retirees.
• Investment Management Comprehensive investment management services partnering with clients to understand risk tolerance, time horizon, and aspirations, and creating balanced investment plans tailored to personal goals.
• Tax Efficient Strategies Proactive tax planning integrated into overall retirement strategy to minimize tax burdens and optimize spendable income during retirement years.
• Legacy Planning

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Impact Partnership Wealth, LLC (IPW)coreStrategic or Co-development PartnerIPW is a Registered Investment Adviser through which Charter Financial Group offers investment advisory products and services. Charter Financial Group operates as an Investment Adviser Representative under this partnership. IPW does not offer insurance products, while Charter Financial Group's insurance offerings are separate from the investment advisory business.
• The Impact PartnershipminorImplementation/ SI/ Consulting PartnerIndependent third-party firm providing research and support services to Charter Financial Group. Located in Marietta, GA. The team works on an as-needed basis providing research support. Charter Financial Group and The Impact Partnership are separate entities and not affiliated or controlled by Charter Financial Group.
• Market Guard®coreTechnology or IntegrationMarket Guard® provides investment signals and portfolio allocation recommendations for Charter Financial Group's model portfolios. They offer a proprietary investment methodology utilizing a non-emotional, methodical, mathematical approach. Market Guard® does not provide fiduciary advice but supplies the strategic framework for portfolio management.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Edward Jones: Edward Jones operates a national network of local branch-based financial advisors serving individual clients, including pre-retirees and retirees. Comparable local, in-person advisory model and customer segment to Charter Financial Group, though as a much larger firm with thousands of branches.
• Fisher Investments: Fisher Investments is a large RIA primarily serving high-net-worth individuals and retirees with portfolio management services. Overlaps with Charter Financial Group's retirement-focused investment management, though at much larger scale and with a different remote-led delivery model.
• Ameriprise Financial: Ameriprise Financial has a national network of franchise financial advisors providing retirement, investment, and insurance planning. Comparable integrated advice-plus-insurance model and pre-retiree/retiree customer focus to Charter Financial Group, though at much larger scale as a public company.

Others

• LPL Financial: LPL Financial is the largest independent broker-dealer and RIA platform in the US, providing infrastructure, custody, and compliance support to thousands of independent advisors. Charter Financial Group operates through a comparable third-party RIA structure (Impact Partnership Wealth); LPL is a direct platform alternative.
• Commonwealth Financial Network: Commonwealth Financial Network is an independent RIA and broker-dealer supporting independent financial advisors with planning, retirement, and insurance services. Plays a comparable platform role to Impact Partnership Wealth in providing infrastructure that enables independent advisory practices.
• Cambridge Investment Research: Cambridge Investment Research is a major independent broker-dealer and RIA support platform serving independent financial advisors. Functionally similar to the role Impact Partnership Wealth plays for Charter Financial Group—providing the RIA infrastructure that enables independent advisory practices to operate.

Direct peers

• Edelman Financial Engines: Edelman Financial Engines is a large independent RIA specializing in retirement and financial planning for individuals under a fiduciary model. Directly comparable to Charter Financial Group in customer segment (retirees) and fiduciary advisory approach, though at vastly larger national scale.
• Creative Planning: Creative Planning is a national independent RIA providing comprehensive wealth management including retirement, tax, and estate planning to individuals. Comparable integrated financial-planning service mix and fiduciary model to Charter Financial Group, though operating nationally with thousands of advisors.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/people/Charter-Financial-Group/61584600764169

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Charter Financial Group