Broker Check

12 Elliott Avenue, Bryn Mawr, PA 19010

(610) 525-6111
charlotte@stellwagen.com

Your Financial Goals Deserve a Disciplined Strategy

From wealth management to retirement income planning, I bring a structured, research-driven approach to every client relationship I build.

What I do
Precision Planning for Every Stage of Life

I help individuals and families pursue their financial objectives through strategic planning, ongoing analysis, and a commitment to understanding what matters most to you.

WELCOME
A Smarter Approach to Your Financial Life

I believe great financial guidance starts with listening. Before recommending a single strategy, I take time to understand your goals, your timeline, and the life you're building toward. My process is thorough, transparent, and built around the way you think about money — not the other way around.

My Solutions
Comprehensive Solutions, Tailored to You

Every financial situation is different. That's why I offer a broad range of services designed to address where you are today and where you want to be.


Portfolio Management

I build and monitor portfolios based on your risk tolerance, time horizon, and long-term objectives — adjusting as your life evolves.

Learn more

Retirement Planning

Whether retirement is decades away or right around the corner, I'll help you create a roadmap designed to support the life you envision.

Learn more

Risk Management

From market fluctuations to the unexpected, I help identify potential vulnerabilities and build strategies to address them.

Learn more

Estate Strategy

I work with you and your legal team to help outline a thoughtful plan for passing wealth to the people and causes you care about.

Learn more

Life Insurance

Life insurance can play a critical role in your broader financial strategy. I'll help you evaluate the right type and amount for your needs.

Learn more

HNW Client Guidance

High-net-worth investors face a distinct set of challenges. I offer strategies designed to address the complexity that comes with significant assets.

Learn more

Extended Care Strategies

Healthcare costs can change quickly. I help you explore strategies for potential long-term care needs so they don't derail your other goals.

Learn more

Small Business Guidance

Owning a business adds layers to your financial picture. I help business owners align personal and professional financial strategies.

Learn more

Social Security Strategies

When and how you claim Social Security matters. I'll help you evaluate your options so you can make an informed decision.

Learn more

Cash Flow Analysis

Understanding where your money goes is the foundation of every good plan. I'll help you take a clear-eyed look at income, expenses, and opportunities.

Learn more

Education Strategies

Funding education is a priority for many families. I'll help you explore savings vehicles and strategies that fit within your broader financial plan.

Learn more

Charitable Giving

If giving back is part of your vision, I'll help you explore tax-smart approaches to charitable contributions that align with your values.box-empty

Learn more

Special Needs Trust

Families navigating special needs planning require thoughtful, personalized attention. I can help coordinate strategies designed to support your loved one's future.

Learn more

Debt Management

Not all debt is equal. I'll help you build a strategy to manage liabilities while keeping your bigger financial picture in focus.

Learn more

Financial Education

I believe informed clients make better decisions. I provide ongoing resources and conversations to help you stay confident in your financial direction.

Learn more
How To Get Started

About My Firm
Built on Discipline. Driven by Your Goals.

I founded this practice with a clear philosophy: your financial strategy should be as intentional as the life you're building. Over the years, I've worked with individuals, families, and business owners to develop structured plans that evolve with their needs. My approach is analytical, my communication is direct, and my focus is always on helping you pursue the outcomes that matter most. I don't believe in one-size-fits-all solutions — I believe in doing the work to get it right.

The Process
A Proven Framework for Pursuing Your Goals

Great planning doesn't happen by accident. My three-step process is designed to bring clarity, structure, and confidence to every financial decision you make.

1. Assess
Discovery & Understanding Your Story

I'll start by reviewing your finances, goals, risk tolerance, and time horizon to build a complete understanding of where you stand.

2. Strategize
Stategic Planning and Design

Using what we've uncovered, I'll design a customized strategy aligned with your objectives and the realities of today's markets.

3. Implement & Monitor
Plan Implementation and Coordinated Execution of Strategies

I'll put your plan into motion and provide ongoing oversight — adjusting as your life, goals, and market conditions change.

Let's Plan Your Future

My Resources
Insights to Keep You Informed

Staying informed is part of staying on course. Explore my latest resources for timely insights, practical strategies, and the kind of financial education that makes a difference.

The Power of Tax-Deferred Growth

The Power of Tax-Deferred Growth

Why are 401(k) plans, annuities, and IRAs so popular?
Learn More
Understanding Money Market Funds

Understanding Money Market Funds

Check out this brief article which explores the role Money Market Funds may play in your portfolio.
Learn More
A Primer on Dividends

A Primer on Dividends

A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
Learn More

Get Started
Ready to Take the Next Step?

If you're looking for a structured, research-driven approach to your financial life, I'd welcome the opportunity to talk. Let's start with a conversation about your goals.

Let's Plan Your Future