Chartered Financial Services, Inc. TM is a fee-based Registered Investment Advisor providing investment management and strategic financial guidance to individuals, businesses, and the public.
MoneyGrow® is completely different from every investment relationship you have ever imagined…
Grow your moneyknow with moneygrow®
- Make sensible plans THAT YOU CLEARLY UNDERSTAND.
- Own investments that reflect your NOBLE VALUES and stand the test of time.
- Gain CONFIDENCE, CONTROL, and HONOR with our attentive guidance.
- Invest proudly in Health, Happiness, Peace and Prosperity
- We seek to avoid investments in War, Pollution, Addiction and Scary News.
Introducing Our Leadership
After nearly 9,500 trading days in this field, I’ve seen countless investment strategies come and go. Many looked brilliant at first glance, but over time I watched where they fell short and paid attention to what truly creates lasting value.
The deeper I’ve gone into this work, the more I’ve realized that much of the industry focuses on making individuals wealthy rather than making the world better. Financial success matters, of course, but it shouldn’t be the only measure that guides us.
I believe we all have the ability to use our resources in ways that strengthen our communities and contribute to a healthier, more responsible world. Our money is a vote for the future, and how we choose to invest it shapes the world our children and grandchildren will inherit.
This isn’t about politics. It’s simply about being decent people who want to support positive outcomes rather than normalize harmful ones like conflict, exploitation, and environmental damage. Together, we can direct our capital toward solutions that uplift all of us.
–Frederick Ravid, ChFC®
Procrastination and lack of clear information are two of the most common threats to long-term financial security.
We exist to help you overcome both…
You deserve strategic guidance that supports your goals, protects your future, and gives you the peace of mind that comes from knowing you’ve made thoughtful, informed decisions. Our broad, credentialed expertise helps you navigate life’s twists and turns with confidence, so you can build on a strong foundation.
During your accumulation years, your financial life involves far more than investment management. You may need tax optimization, guidance on business decisions, philanthropy planning, trust and estate considerations, or support through major liquidity events such as mergers, business sales, education expenses, divorce, or other significant transitions.
Later in life, the focus shifts toward creating a distribution strategy designed to last your lifetime and reflect your values to the next generation. You should be able to enjoy these years knowing your plans are complete, intentional, and aligned with the legacy you wish to leave.
The Solution:
Just as modern medicine identifies cancer and heart disease as leading causes of mortality, the financial world faces its own major risks: inattention and procrastination. These arise because people often hesitate to ask questions, fear appearing uninformed, or become overwhelmed by life’s increasing demands. Meanwhile, the generic reassurance offered by large financial institutions encourages a passive mindset that can leave important details overlooked.
Your active involvement is essential. Engaged clients make better decisions, avoid costly oversights, and stay aligned with their long-term goals.
Our systematic client-review process and the 24/7/365 Moneygrow® Client Portal are designed to keep you informed, empowered, and on track every step of the way.
Spectrum of MoneyGrow® Services:
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.
Why Moneygrow® Is Different
We believe that your investments should reflect the pride you have in your life, your values, and the legacy you’re building. They should not contribute to the very issues you hope the world will overcome.
Too often, capital flows toward activities that fuel conflict, harm communities, or degrade the environment. Headlines make this clear. But you have the power to redirect your money toward a more constructive path.
Most people are overwhelmed, distracted, and rarely fully engaged in their financial lives. Large financial institutions often reinforce this passivity. You deserve better, and you are capable of better. That shared belief forms the foundation of our work together, and it’s why our guiding principle is: Invest in Life.
Where We Go From Here?
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.
- 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
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.
Our Advantages vs. Brokerage Firms
- Brokerage 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.