Chartered Financial Services, Inc.™ is a fee-only Registered Investment Advisor providing direct investment management and strategic financial guidance to individuals, businesses, and the public.
MoneyGrow®: The Optimal Approach to an Investment Relationship
A Unique Investor Partnership built on Experience, Clarity, and Concierge Level Service
- Get Answers to the important questions you are considering without sales noise.
- Become accustomed to Prompt and Personalized Attention over the long term
- Gain confidence and see control increase through attentive, fiduciary guidance.
- Receive complete clarity and disclosure at every turn without conflicts of interest.
- Utilize the most advanced client portal with 24/7/365 access to all relevant details.
A Perspective Shaped by Experience
After over 9,600 trading days in the asset management field, I have seen countless investment strategies come and go. Many appeared compelling at first, but over time I learned where they fell short and what truly creates lasting value.
As my experience deepened, so did my understanding of the industry itself. Too often, the investment industry produces generic, unremarkable results while failing to sensitively produce portfolios that actually make sense in this dynamic economic environment. You deserve better.
I believe the vast majority of investment relationships follow an obsolete model. Sales pressure, lack of consistent personal attention and obligation to clients, and conflicts of interest are epidemic. We choose to be different because it’s the right way to provide long-term attentive service. This is what YOU need.
What you don’t need is to be turned into a number immediately upon getting into a relationship that proves to be generic. Your specific needs, values, and challengs need to be addressed and remain in the forefront of the relationship at all times.
–Frederick Ravid, ChFC®
Financial Insights from Frederick Ravid
Articles and commentary designed to help you navigate financial decisions with greater confidence and clarity.
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Guidance That Fits Real Life
Your financial life is more than a portfolio. It evolves through work, family, opportunity, and transition. Our role is to provide strategic guidance that supports your goals, protects your future, and helps you make informed choices with confidence. Our investment approach is direct: We are direct money managers, not middlemen.
During your accumulation years, guidance is timely:
- Tax-aware planning
- Business and career decisions
- Philanthropy and charitable strategy
- Trust and estate considerations
- Major life or liquidity events
Later in life, the focus shifts toward:
- Thoughtful legacy and multigenerational planning
- Sustainable income and distribution planning
- Preserving flexibility and independence
An Active Advisory Relationship Makes All The Difference
Too many Financial Advisor relationships deteriorate after the paperwork gets signed. The typical advisor turns attention to the next “client acquisition.” Advisor Contact and guidance frequency declines. We remain consistently active in our guidance and support role. Wise people, not only high net worth clients, but also younger clients starting the relationship are wise to delegate asset management responsibility. Our carefully crafted advisory and support model provides the kind of personal touch people crave and this builds loyal relationships on BOTH sides. We help clients avoid the two greatest financial risks that often go unnoticed: These are (1.) ignorance about the money truths and the financial industry amidst a tsunami “garbage media,” “AI Slop”, rumors, and manipulative marketing schemes, and (2.) procrastination which results from confusion and a feeling of being overwhelmed. Generally, the larger the institutional advisor, the more likely you’ve become a number. This isn’t what you want or need, especially in today’s world.
Engaged clients make better decisions. They stay aligned with their goals and avoid costly oversights.
Our structured client review process, supported by our award winning 24/7/365 Moneygrow® Client Portal, is effective to keep you informed, involved, and moving forward with purpose.
Ready to Take the Next Step?
If you’re wondering whether our approach aligns with your goals and values, the best place to start is a conversation.
Schedule a Complimentary Conversation
The Moneygrow® Perspective Meets The Needs of Your Future
Pursuit of Profit alone is inadequate to meet your sophisticated needs. Our approach is integrated into a comprehensive understanding of how money and society integrate properly. Such an integrated approah is miles ahead of the typical Wall-Street brokerage worldview. Disintegration clearly leads to frightful long-term conseqences that dominiate the news. Your investments should reflect your sensibility, pride, values, and legacy. Wise allocation of your money under our expert guidance is the wave of the future.
The most important role of advisor is CONSISTENT ATTENTION. Sales-oriented “Financial Advisors” are required by industry protocol to PRODUCE. The focused attention given before you signed the paperwork begins to vaporize. Today’s financial industry propagates an epidemic in which advisors are trained and rto “ACQUIRE” clients. Over are under the demand to bring in more and more assets. This Model is not in your best interests. You are not a refrigerator or a car to be acquired, closed, and treated like a generic member of the masses. The vast majority of financial advisors will hand your money over to a stranger who does not know you, has no idea what your values are, and even does not know your financial advisor. This is a broken approach. It’s obsolete.
You deserve better, and Moneygrow® gives you better. Our exemplary approach provides you with the growing awareness that yields confidence in a better approach to your financial relationship. This is the meaning of Moneygrow®.
The Moneygrow® Technical Advantage:
You deserve complete, effortless access to the information that supports your financial life. The Moneygrow® Client Portal is built on robust, modern technology that keeps every detail clear, organized, and up to date with just a click.
Behind the scenes, our advanced internal systems support thoughtful investment selection, diligent oversight, and responsive account management. Your trading and account resources are maintained with industry-leading security and quality standards, ensuring that your financial information is protected and your experience is seamless.
Our goal is simple: to give you the clarity, confidence, and transparency you need to stay fully informed and fully in control.
Not yet a client?
Request a Demo to gain access to your own Client Portal and the Moneygrow® advisory services.
Spectrum of MoneyGrow® Services:
A Responsible Approach to the Future
The time has come for the financial world – including regulators, institutions, media, educators, executives, and stakeholders – to embrace a more responsible vision of what investing truly means.
- Genuine client service over the long term is NUMBER ONE. This is not the same as “sales success.”
- Investment should serve more than the pursuit of profit. It should support the creation of a stable and balanced world.
- We have a responsibility to reorient the way we think about financial decisions – both individually and collectively.
- Expanding our focus beyond short-term gains is essential if we want to prevent the consequences of an imbalanced system.
- When we broaden our understanding of investment to include long-term well-being, resilience, and fairness, we address the root causes of the instability that affects us all.
- A better future is possible, and together we can help shape it.
Our Commitment:
We are here to restore a sense of justice and accountability to the way your money is put to work. Your investments should strengthen your life, your values, and the world you want to see.
In Financial Planning the key question is:
“Will your money outlast your life expectancy?”
Which scenario is yours?
Ask us to perform Your Lifetime Cash Flow Study
We can consider all your financial factors and deliver clear answers. We can help you avoid Financial Surprises. Planning Ahead is the Right Approach.
“Quarterback” Advisor vs “One-Stop Shop”
How we build your advisory team
Our “Pro Quarterback” approach selects from among Attorneys, Accountants, and other respected experts in your locale, including people you already know and trust. To bring your plans to fruition, we often find that this approach is superior than one-stop shops whose in-house personnel are typically less-experienced. One-stop shop might sound attractive but often it’s a marketing gimmic. “Pro Quarterback” assures that all advisors are on the same page and likely more cost-effective over the long run.
Our Distinctions
Your Advantage vs. Brokerage Firms
- Brokerage, Banks, and Insurance Firms are sales organizations with many conflicts of interest.
- Unlike Financial Advisors, and the vast majority of CFP® Financial Planners, we are legally required to put your interested ahead of our own.
- We never charge commissions or offer any “financial products” for sale.
- We provide clients with credentialed personal advice across the spectrum of life’s opportunities
- We accountable, responsive, and personal. You are never “a number” to us.
Keeping you informed
- Useful and understandable reviews each and every quarter
- Robust client portal with 24/7/365 access
- Frequent newsletters
- 24-hour turnaround policy, to answer questions and help you meet your needs.
Leaders in Responsible Investment
- Investors’ money has real power to create positive impact. Impact is only optimized when investments are properly directed. Bad headlines stem from misdirected investment.
- Your Investments can and should make a positive impact. Your portfolio holdings should be honorable and demonstrate your commitment to a better societal outcome.