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Our Philosophy and Values

Charles Michael Financial is built on the principles of Resiliency, Education and Discipline (R.E.D.). Our financial planning firm provides those much-needed course corrections that keep Federal Agents & Heroes on track for being healthier and wealthier throughout their career.

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What We Believe

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Who We Work With

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How We Operate

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Our Investment Philosophy

What We Believe

When you align your money with your values, you can live an inspired life.

We want you to have choices when your service ends and you begin your “work optional” (aka retirement) life.

Families are bombarded with the idea that they should buy more, have more, and spend more.

Life can be simplified. Be willing to live differently.

What is “popular” and “commonplace” is not always best for you.

High debt payments, a lack of savings, and flashy, but unaffordable clothes and cars are a reality for many Americans. Sometimes you have to go against the grain to find success and grow wealth.

It’s your money. It’s your life.
Show up to the fight today and be a better human than you were yesterday.
Elegant simplicity.

Low cost, passive, time-horizon specific strategies guide our overall philosophy.

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“Simplicity is the ultimate sophistication.”

– Leonardo da Vinci

Who We Work With

Those with resilience.

Our families wish to secure their financial home front and are willing to live differently to do so.

Nice people.

Kindly do unto others as you’d have them do unto you or we’ll respectfully show you the door.

Those with vision.

Our families are seeking financial independence once their service comes to an end.

How We Operate

  • As Fiduciaries, we are fierce advocates for you. It is your best interests that lie at the tip of the spear…period.
  • We lead with your “WHY” in financial planning because we believe this is where the magic happens. This is your story and – “You are the Hero for You and Yours”.
  • We operate virtually, so we serve clients across the United States. However, we’re based in Raleigh, North Carolina if you ever want to sit down for coffee or hike a local trail while we’re talking.
  • We don’t sell financial products such as life insurance, annuities, and proprietary investments. We wish to be free to choose which solutions are best for you.
  • We are Fee-Only, Fiduciary Advisors. For us, this is the most transparent and objective method of receiving compensation for our services.
  • We do not make money from referrals to other professionals. Any referrals we give are simply for your convenience. Nothing more.
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Our Investment Philosophy

We prefer methodologies that are time-tested and proven to work over the long haul. There is plenty of investing noise in the world that will easily distract and derail you from building wealth. We are here as a reminder that although our approach isn’t fancy, it works.

We believe that time in the market is more important than timing the market.

Our role is to inject a sound investment strategy into your financial plan and then keep you on target. Behavioral finance lessons teach us that sometimes investors can be their own worst enemy. Thus, our value as an Advisor shows up as we help guide you in areas such as:

  • Automating monthly contributions so that we follow a “pay-yourself-first” mindset and harness the power of dollar-cost averaging.
  • Rebalancing concepts for your portfolio to avoid drifting too far from collaborative strategy we have in place for you. 
  • Helping you recognize emotional decisions that can damage your portfolio.
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