Investment Management
Institutional discipline, applied to the families who trust us.
Who This Is For
This service is for individuals and families who need more than a model portfolio and a quarterly statement. You have accumulated meaningful wealth, and you want it managed with the same rigor that institutions apply to their endowments — tax-aware, behaviorally disciplined, and integrated with your broader financial plan.
What We Do
Portfolio Construction
Charlotte builds portfolios using an institutional framework — strategic asset allocation, factor diversification, and tax-efficient implementation. Each portfolio is custom-built, not a model template.
Tax-Aware Rebalancing
Rebalancing is not done on a calendar. It is triggered by drift thresholds and executed with tax consequences in mind — harvesting losses, managing gains, and coordinating with your broader tax strategy.
Behavioral Risk Management
The greatest risk to a portfolio is not market volatility — it is the investor's response to it. Richard manages the behavioral dimension of investing: keeping clients aligned with their strategy during periods of uncertainty.
Municipal Bond Strategy
Charlotte's expertise in municipal bonds provides tax-advantaged income for high-net-worth clients. Municipal bond selection, ladder construction, and credit analysis are core competencies.
The Process
Discovery
A 45-minute conversation to understand your situation, goals, and priorities.
Analysis
Charlotte and Richard review your financial picture in detail — accounts, documents, tax returns, estate plans.
Design
A comprehensive strategy is designed, presented, and refined based on your feedback.
Implementation
Every recommendation is executed, coordinated across accounts, advisors, and institutions.
The Retirement Transition
Charlotte redesigned a portfolio for an NVC professional transitioning from accumulation to distribution, shifting from growth-oriented allocation to tax-efficient income generation.
Read the full story →Explore Further
Frequently Asked Questions
What is your investment philosophy?
Long-horizon, tax-aware, and behaviorally disciplined. Charlotte focuses on after-tax returns rather than gross returns, and constructs portfolios that clients can stay committed to through market cycles.
Do you use actively managed funds or index funds?
Both, depending on the asset class and the client's tax situation. In efficient markets, we favor low-cost index exposure. In less efficient markets and municipal bonds, active management adds value.
How do you charge for investment management?
We charge an asset-based advisory fee, disclosed in full in our ADV Part 2. There are no commissions, no product incentives, and no hidden fees. Our interests are aligned with yours.
What is a reasonable expected return?
We do not promise returns. Charlotte models portfolios based on long-term capital market assumptions and stress-tests them against historical drawdowns. Expectations are set honestly and reviewed annually.
If this describes your situation, a Discovery Call is the right first step.
Schedule a Discovery Call →Fiduciary Commitment
Charlotte Westbrook (CFP®, CFA) and Richard Van Meer (CFP®, CIMA®) serve as fiduciaries. They are legally and ethically bound to act in your interest. Meridian Wealth Group is a fee-only registered investment adviser — no commissions, no proprietary products, no conflicts of interest.
Registration does not imply a certain level of skill or training. Past performance is not indicative of future results. Investments involve risk and are not guaranteed. This content is for informational purposes only and does not constitute an offer or solicitation.