Charles Street Financial

What Charles Street Financial does

Charles Street Financial is an independent, privately held financial advisory firm headquartered in Moncton, New Brunswick, with additional offices in Sackville (NB) and Charlottetown (PE), serving clients across Atlantic Canada. The firm operates a traditional, relationship-driven advisory model delivering a nine-service integrated suite that includes financial planning, wealth review, wealth management, risk mitigation, corporate group benefits, family enterprise advisory, estate planning, family succession, and philanthropy and impact investing. Its primary target clients are high-net-worth individuals and families seeking comprehensive wealth creation, preservation, and intergenerational transfer solutions, with a secondary segment of business owners purchasing corporate group benefits and pension plans. Client engagements are multi-year to multi-decade, sourced predominantly through referrals, testimonials, and direct in-person consultation; the firm does not disclose pricing, AUM, or revenue.

The firm's underlying technology stack is industry-standard with no proprietary platform disclosed; competitive positioning rests on independent (non-captive) investment manager selection, a coordinated external partner network spanning legal, accounting, finance, and administration, and a stated focus on values-aligned generational wealth planning. It markets through its website, a newsletter, and client testimonials, with no digital self-service, marketplace, or channel partner distribution. Revenue mechanics are advisory fees (likely AUM-based or flat-fee arrangements on multi-year engagements), and the firm is privately held with no disclosed institutional investors, funding rounds, M&A activity, or parent company.

The team of approximately ten members is led by Managing Partner Andy Marr and includes two Senior Financial Advisors, four Financial Advisors, a Para-Planner (Noah Brownlee, CFP, CLU), a Relationship Manager, a Project Manager, and a CPA (Gregg Houser). Client testimonials on the website reference engagement tenures exceeding a decade across personal financial planning, life insurance, group benefits, pension plans, and corporate financial advisory, suggesting deep, durable household relationships rather than transactional book-of-business growth.

Name

Charles Street Financial

Legal name

Charles Street

Website

https://www.charlesstreetfinancial.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Charles Street Financial is an independent Atlantic Canadian financial advisory firm offering wealth management, estate and succession planning, corporate group benefits, and family enterprise services to high-net-worth individuals, families, and business owners across Moncton, Sackville, and Charlottetown.

Ownership category

akta.pro rank

Headquarters

HQ city

Moncton

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Financial Advisory Fees: Revenue generated through personalized financial advisory services including financial planning, wealth management, estate planning, and family succession planning. As an independent firm, they likely charge advisory fees, potentially AUM-based or flat-fee arrangements for comprehensive financial planning services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Charles Street Financial is a financial advisory firm that delivers wealth management, financial planning, estate planning, risk mitigation, group benefits, and succession planning services to clients in the Moncton, Canada market. The firm's core activity is providing personalized financial advice and related insurance and benefits solutions to individuals and businesses.

Product overview

Charles Street Financial is a financial advisory firm offering a comprehensive suite of wealth management and planning services. The firm provides nine distinct service offerings: Financial Planning, Wealth Review, Wealth Management, Risk Mitigation, Corporate Group Benefits, Family Enterprise, Estate Planning, Family Succession, and Philanthropy & Impact Investing. These services work together as an integrated approach to help clients design and maintain lasting financial legacies aligned with their values, goals, and unique family situations.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management
• Financial Planning
• Estate Planning
• Risk Mitigation
• Group Benefits
• Succession Planning Advisory service for business owners and families that structures ownership transition, continuity, and exit planning.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Legal, Accounting, Finance, and Administration Network PartnerscoreStrategic or Co-development PartnerCharles Street Financial has established a network of strategic partners in legal, accounting, finance, and administration to facilitate comprehensive family enterprise management. These partners provide specialized expertise in legal counsel, accounting services, financial structuring, and administrative support, enabling the firm to offer integrated advisory services addressing all aspects of family wealth and business management.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• IG Wealth Management: One of Canada's largest independent (non-bank-owned) wealth management firms, offering financial planning, investment management, and estate planning to affluent Canadians. Directly comparable business model and target client base as Charles Street Financial.
• Raymond James Ltd. Canadian arm of Raymond James, providing wealth management, financial planning, and investment advisory services through a network of independent advisor offices. Closely comparable to Charles Street in offering integrated advisory to HNW clients.
• Edward Jones: Operates a regional-branch model serving individual investors and families with personalized financial planning, retirement, and estate services. Same relationship-driven, in-person advisory model and similar HNW/family target segment.

Broad incumbents

• CIBC Wealth Management: Wealth arm of a major Canadian bank, offering investment advisory, estate planning, and group benefits at national scale. Broader portfolio than Charles Street but overlapping in personal wealth advisory and group benefits.
• Scotia Wealth Management: Wealth division of Scotiabank offering holistic financial planning, investment management, and estate services across Canada. Overlaps with Charles Street's core planning and wealth management offerings.
• BMO Nesbitt Burns: BMO's private wealth and advisory franchise providing financial planning, investment management, and estate services to affluent Canadians. Comparable offering with a much larger footprint.
• Sun Life Financial: Major Canadian insurer and wealth manager offering group benefits (a Charles Street offering), individual insurance, investments, and retirement planning. Overlaps on the corporate group benefits and financial planning axes.
• Manulife Wealth: Wealth and insurance arm of Manulife offering financial planning, wealth management, group benefits, and retirement solutions. Comparable in group benefits and HNW advisory categories.
• Fidelity Investments Canada: Canadian arm of Fidelity offering investment management, financial planning, and retirement solutions to retail and HNW clients. Overlaps Charles Street's wealth management and investment manager selection services.

Emerging players

• Wealthsimple: Canadian digital wealth manager and robo-advisor offering automated investing, financial planning, and tax tools to younger mass-affluent clients. Threatens traditional advisors like Charles Street in the next-generation client pipeline.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Charles Street Financial