This is what your relationship with Meridian looks like.
The demo below shows a representative client portfolio — not real data, but a real representation of how Charlotte and Richard communicate with clients about their wealth.
Asset Allocation
This allocation reflects a preservation-oriented strategy with a long horizon and a preference for tax-efficient income.
Quarterly Performance vs. Benchmark
Benchmark: a blended index consistent with the portfolio allocation. Past performance is illustrative and does not predict future results.
Decision Notes
Charlotte Westbrook
March 2026
We reduced international equity exposure by 4% this quarter given currency volatility and shifted the allocation to municipal bonds, which carry favorable tax treatment given the client's income bracket. The blended after-tax yield improves by an estimated 0.3%. This is a positioning adjustment, not a market call — the long-term allocation targets remain unchanged.
Richard Van Meer
February 2026
We reviewed the estate plan update following the birth of the client's second grandchild. The trust beneficiary designations have been updated. Charlotte adjusted the life insurance allocation accordingly. This is the kind of coordination that happens behind the scenes every quarter — the financial plan and the family plan stay aligned.
Charlotte Westbrook
January 2026
Year-end tax review completed. We harvested V̅42,000 in losses against gains realized from the Q3 rebalancing. Net tax savings estimated at V̅11,000. The harvested positions were replaced with similar-exposure holdings to maintain the portfolio's risk profile. Wash sale rules were carefully observed.
What We Discussed This Quarter
• Reviewed the impact of year-end tax harvesting on the portfolio's cost basis and forward tax position
• Discussed the estate plan update and trust beneficiary changes following the new grandchild
• Evaluated the municipal bond ladder maturity schedule against anticipated spending in years 3-5
✓ Completed: Life insurance allocation adjustment to reflect updated beneficiary designations
→ Deferred: Roth conversion analysis — waiting for Q1 income clarity before modeling optimal conversion amount
This is what Charlotte and Richard do for every client, every quarter. If this is what you have been looking for, a Discovery Call is the right next step.
Schedule a Discovery CallFiduciary 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.