Structured Oversight.
Independent Advice.
Long-Term Clarity.
Independent fiduciary firm providing comprehensive financial planning and disciplined investment oversight for professionals, families, and mission-driven organizations.
DuCharme Wealth Advisors is an independent Registered Investment Adviser providing integrated investment management and comprehensive financial planning.
We serve growing professionals, established families, business owners, and mission-driver leaders who value clarity, structure, and long-term discipline.
An Independent Fiduciary Advisory Firm
We do not sell products.
We do not earn commissions
We operate as fiduciaries —
prioritizing your interests at all times.
Our role is to provide disciplined capital oversight and coordinated financial guidance across your entire household or organization
Who We Serve
Growing Professionals & Families
Building careers, managing multiple accounts, and seeking structured oversight.
You value:
Clear coordination across accounts
Transparent fees
Guidance without product pressure
Long-term structure over short-term noise
We help bring discipline and clarity to your financial life.
Mission-Driven Individuals & Organizations
Stewards of significant wealth, charitable intent, or governance responsibility.
You value:
Disciplined capital allocation
Board-level thinking
Long-term liquidity planning
Philanthropic integration
We bring an endowment-style mindset without institutional complexity.
Aligned by Structure
As an independent Registered Investment Adviser, we do not sell products or earn commissions. Our compensation is transparent and aligned through a straightforward fixed or asset-based fee schedule.
No revenue-sharing.
No proprietary incentives.
No hidden compensation.
Just disciplined advice delivered under a fiduciary standard.
A Unified Advisory Framework
Financial planning, investment oversight, and governance are not separate conversations. They operate within a single coordinated structure.
01
Planning
Comprehensive Financial Planning
Cash flow and reserves
Tax planning & strategy coordination
Retirement modeling
Risk and insurance analysis
Estate document coordination
Major life transitions
Planning establishes the structure. It defines priorities, constraints, and long-term direction before capital is deployed
02
Investment Oversight
Portfolio Management & Capital Allocation
Strategic asset allocation
Risk-managed structures
Select illiquid exposures
Ongoing due diligence
Rebalancing discipline
Transparent reporting
Investment oversight implements the structure with discipline, liquidity safeguards, and defined exposure limits.
03
Governance & Coordination
Business & Charitable Advisory
Investment policy guidance
Board-level support
ERISA plan design & oversight
Executive compensation planning
Endowment-style thinking
Philanthropic integration
For families and mission-driven leaders, governance ensures capital decisions remain aligned with purpose and long-term responsibility.
Capital Allocation With Intention
Every portfolio begins with clarity. Before pursing growth or complexity, we align capital decisions with liquidity needs, risk capacity, and long-term objectives.
Our role is not to chase returns — it is to steward capital responsibly within a disciplined advisory structure.
Liquidity Establishes the Foundation
We first ensure that near-term obligations, reserves, and flexibility are appropriately addressed. Stability and preparedness allow long-term decisions to be made with confidence rather than urgency.
Risk Is Managed Deliberately
Public market exposure is implemented with attention to volatility, concentration, and timing risk in distribution phases. Allocation decisions are sized and adjusted thoughtfully, based on each client’s profile and evolving circumstances
Illiquidity is Earned, Not Assumed
For clients with sufficient reserves and long-term horizons, carefully selected & sized illiquid allocations may be incorporated to diversify sources or return and reduce reliance on public market concentration. These decisions are made conservatively and reviewed continuously.
All capital decisions are integrated within a unified advisory relationship that connects planning, portfolio oversight, and long-term strategy.
Integrated Advice for Life, Wealth, and Purpose
Planning, investment oversight, and strategic coordination come together in one advisory relationship — so financial decisions stay aligned with your household, your work, and what you care about most.
Coordinated Guidance Across What Matters Most
For many clients, the real challenge is not finding more information — it is distinguishing the signal from noise and making clear decisions across a financial life that spans multiple priorities.
That may include family planning, retirement, taxes, business interests, charitable giving, or long-term stewardship responsibilities. These decisions do not happen in isolation.
We provide integrated guidance so each recommendation supports the broader picture — with planning, portfolio oversight and implementation working together in a disciplined, coordinated way.
How This Works in Practice
Household financial planning and cash flow coordination
Portfolio management and capital allocation oversight
Tax-aware planning and distribution strategy
Retirement, employer plan, and rollover decision support
Estate and beneficiary coordination with your attorney
Business owner and executive planning considerations
Charitable and philanthropic planning integration
Ongoing implementation support and accountability
Built for clients who want financial decisions handled with clarity, discipline, and long-term stewardship
Ready to Take the Next Step?
Whether you're just getting organized or already working toward specific goals, a brief conversation can help clarify where you stand and what comes next. Schedule a complimentary consultation to explore how our planning process can support your unique financial journey.