Maximize Wealth, Minimize Taxes:

Tailored Strategies for High Net Worth Success

CharMarLine Wealth Management

Bespoke Portfolios: Strategic Access to Exclusive Opportunities

We believe that a truly diversified portfolio must evolve beyond the public markets. Our core philosophy is to design and build bespoke investment portfolios that strategically incorporate private market and alternative investments. This approach is designed to unlock new opportunities for growth and income that are typically inaccessible to the individual investor. By providing curated access to private equity, real estate, and other alternative asset classes, we can:

  • Enhance your potential for returns by tapping into markets with less correlation to public stock and bond fluctuations.

  • Build a more resilient and diversified portfolio capable of weathering a wide range of economic climates.

  • Align your capital with innovative, high-growth sectors before they become mainstream.

Retirement Income Design: Engineering Resilient Cash Flow

For our clients, retirement isn't about simply ceasing to work; it's about enjoying the fruits of their labor with confidence and security. We specialize in designing resilient retirement income strategies focused on generating consistent cash flow while safeguarding your principal. Our process moves beyond basic accumulation and withdrawal rates to engineer a durable financial engine for your lifestyle. We achieve this by:

  • Structuring your portfolio for predictable income generation through a strategic blend of dividend-paying securities, private credit, and other income-focused assets.

  • Stress-testing your plan against inflation, market volatility, and longevity risk to ensure its durability.

  • Prioritizing principal preservation as a core tenet, so you can spend freely without fear of depleting your nest egg.

Concentrated Wealth Management: Minimizing Tax, Mitigating Risk

Significant success often brings significant complexity, particularly for clients holding large, concentrated stock positions or highly appreciated taxable portfolios. A passive approach can lead to undue risk and unnecessary tax burdens. We implement proactive and sophisticated strategies designed to protect your wealth while maximizing its after-tax value. Our expertise includes:

  • Developing disciplined, tax-sensitive diversification plans to systematically reduce the risk of a single stock concentration without triggering excessive capital gains.

  • Implementing advanced tax-minimization strategies, including tax-loss harvesting, asset location, and charitable planning vehicles.

  • Utilizing sophisticated hedging and monetization techniques to protect the value of your appreciated assets while creating liquidity for other goals.

We act as your trusted advisor, navigating the intricate tax code and market dynamics to ensure the wealth you’ve created is intelligently preserved and positioned for the future.

Our Process

Discovery

We assess your portfolio, compensation structure, income needs for retirees and long-term objectives to uncover opportunities and risks.

Strategy Design

We will craft a personalized plan, balancing tax minimization with risk management and growth.

Implementation & Monitoring

We execute with precision, continuously monitoring and adjusting to optimize performance and risk as time moves on and markets, goals or objectives change.


  • Wealth Manager/ Owner

    As the founder of CharMarLine, I provide my clients with nearly two decades of institutional-level expertise in sophisticated portfolio design. Before founding my own firm, I spent 19 years at the world's largest asset manager, where I was responsible for crafting investment strategies for some of the most successful financial advisors in the country. Today, I bring that same caliber of experience directly to individuals and families, focusing on bespoke portfolio construction, resilient income strategies, and advanced tax and risk management. The firm is named in honor of my three daughters, Charlotte, Mary, and Caroline, as a daily reminder of the importance of building a secure and lasting legacy. My mission is to apply my experience with the focus and care necessary to help you achieve your most important financial goals for the generations to come.

3831 Old Forest Rd CharMarLine Wealth works with clients in Virginia and throughout the United States

Suite 6

Lynchburg, VA 24501

Phone:
(434) 455-3036