{"url":"https://nivawealth.com/firms/charmarline-wealth-management-336719","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/336719","regulatoryAum":118804541,"crd":"336719","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5123832","suffix":null,"lastName":"SIRHAL","firstName":"GEOFFREY","middleName":"COLLAGAN"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-06-20","regulatoryAum":111851095,"clients":123,"employees":1,"offices":1},{"filedOn":"2026-09-18","regulatoryAum":118804541,"clients":124,"employees":1,"offices":2}],"secFileNumber":"801-133722","legalName":"Charmarline Wealth Management LLC","displayName":"CharMarLine Wealth Management","slug":"charmarline-wealth-management-336719","website":"https://cmlwm.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Virginia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"3831 Old Forest RD, Suite 6","city":"Lynchburg","state":"VA","stateName":"Virginia","country":"United States","postalCode":"24501"},"tradeNames":[],"registration":{"secApproved":"21 April 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":958101.1370967742,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":118804541,"discretionary":117930977,"discretionaryAccounts":319,"nonDiscretionary":873564,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":74,"regulatoryAum":35592616},{"label":"High-net-worth individuals","clients":50,"regulatoryAum":83211925}],"feePrograms":[{"role":"main","program":"Wealth management services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058373","versionId":1058373,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-09-18","documentName":"CHARMARLINE ADV2A","fee_rate_low":0.6,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T18:05:26.712579+00:00","documents":[{"name":"CHARMARLINE ADV2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058373","versionId":1058373,"submittedOn":"2026-09-18"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":118804000}],"custodyNote":"CharMarLine Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Geoffrey Sirhal","title":"Owner and Chief Compliance Officer","crd":"5123832"}],"ownership":[{"label":"Geoffrey Sirhal","detail":"Owner and chief compliance officer in the 75% or more ownership band and a control person, since April 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":1,"addresses":[{"street":"3831 Old Forest RD, Suite 6","city":"Lynchburg","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"434-455-3036","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":49},{"label":"Non-exchange-traded equity securities","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":31},{"label":"Cash and cash equivalents","percent":3},{"label":"Other","percent":15,"detail":"Private Investments"}],"privateFunds":0},"sources":{"adv1FilingDate":"18 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/336719/PDF/336719.pdf","brochureDate":"18 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058373","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does CharMarLine Wealth Management have?","answer":"CharMarLine Wealth Management has 124 clients and manages $119 million for them, as of September 2026. They include 74 individual clients and 50 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does CharMarLine Wealth Management offer?","answer":"CharMarLine Wealth Management provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does CharMarLine Wealth Management charge?","answer":"CharMarLine Wealth Management charges 0.60%–1.00% a year for its Wealth management services. The fee is billed in arrears and is negotiable.","source":"CHARMARLINE ADV2A, filed 18 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does CharMarLine Wealth Management use?","answer":"CharMarLine Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $119M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does CharMarLine Wealth Management have?","answer":"CharMarLine Wealth Management has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does CharMarLine Wealth Management invest in?","answer":"At the end of its last fiscal year, CharMarLine Wealth Management’s separately managed accounts held 49% exchange-traded equities, 31% registered funds (mutual funds, ETFs, BDCs), 15% other, 3% cash and equivalents and 2% non-exchange-traded equities. The 15% other category is described as: Private Investments.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns CharMarLine Wealth Management?","answer":"CharMarLine Wealth Management’s direct owner is Geoffrey Sirhal (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 18 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does CharMarLine Wealth Management get paid?","answer":"CharMarLine Wealth Management is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact CharMarLine Wealth Management?","answer":"CharMarLine Wealth Management’s main office is at 3831 Old Forest RD, Suite 6, Lynchburg, VA 24501. Its phone number is 434-455-3036. Its website is cmlwm.com.","source":"Form ADV Part 1A, Item 1.F, filed 18 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}