Charter Oak Capital Management, LLC

RIA/Wealth

Charter Oak Capital Management, LLC is a RIA/Wealth based in Portsmouth, NH led by Sarah Serling Clapp, reporting $1.4B in AUM as of Q3 2025 with 92% ETF concentration, 78% concentrated in top 10 holdings, 27% allocation to IVV, and minimal technology exposure.

CEOSarah Serling Clapp

Portfolio Value: $1.3B
Positions: 202
Top Holding: IVV at 26.65%
Last Reported: Q3 2025

AddressTwo International Drive, Suite 325, Portsmouth, NH, 03801, United States

Top Holdings

Largest long holdings in Charter Oak Capital Management, LLC's portfolio (77.5% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares Core S&P 500 ETF IVV	ETF ETF	$339.6M	26.65%	-$11.4M Sold	— 507.4K shares	Q4 2020 Held for 4y 11m
2 iShares Core U.S. Aggregate Bond AGG	ETF ETF	$181.3M	14.22%	+$10.1M Bought	— 1.8M shares	Q4 2020 Held for 4y 11m
3 Vanguard Total International Stock VXUS	ETF ETF	$115.0M	9.02%	+$12.6M Bought	— 1.6M shares	Q4 2020 Held for 4y 11m
4 iShares 5-10 Year Investment Grade Corporate Bond ETF IGIB	ETF ETF	$77.2M	6.06%	+$7.7M Bought	— 1.4M shares	Q1 2024 Held for 1y 8m
5 Vanguard Extended Market VXF	ETF ETF	$75.8M	5.95%	-$2.6M Sold	— 362.1K shares	Q4 2020 Held for 4y 11m
6 Vanguard Short-Term Bond BSV	ETF ETF	$75.5M	5.93%	+$6.0M Bought	— 957.1K shares	Q4 2020 Held for 4y 11m
7 Vanguard FTSE All-World Ex-US ETF VEU	ETF ETF	$38.3M	3.01%	-$744.2K Sold	— 537.2K shares	Q4 2020 Held for 4y 11m
8 iShares Core MSCI Total International Stock IXUS	ETF ETF	$36.0M	2.83%	-$832.9K Sold	— 436.4K shares	Q4 2020 Held for 4y 11m
9 Vanguard S&P 500 ETF VOO	ETF ETF	$29.7M	2.33%	-$1.2M Sold	— 48.5K shares	Q4 2020 Held for 4y 11m
10 Apple AAPL	Consumer Electronics Technology	$19.8M	1.55%	+$317.0K Bought	0.00% 77.7K shares	Q4 2020 Held for 4y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Charter Oak Capital Management, LLC's latest filing

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Market Value

$1.3B

Prior: $1.2B

Q/Q Change

+7.66%

+$90.6M

Net Flows % of MV

+1.58%

Turnover Ratio

2.76%

New Purchases

5 stocks

$2.1M

Added To

83 stocks

+$41.3M

Sold Out Of

6 stocks

$1.1M

Reduced Holdings

93 stocks

-$22.2M

Increased Positions

Position	Shares Δ	Change
1 Celestica CLS	New	0 → 4.5K +$1.1M
2 Vanguard Ultra-Short Bond VUSB	New	0 → 7.0K +$350.6K
3 iShares ESG Screened S&P Mid-Cap ETF XJH	New	0 → 5.2K +$230.0K
4 iShares ESG Aware MSCI USA Value EVUS	New	0 → 7.1K +$224.3K
5 First Trust NASDAQ Clean Edge Smart Grid Infrastructure Index Fund GRID	New	0 → 1.4K +$213.0K

Decreased Positions

Position	Shares Δ	Change
1 ICLN iShares Global Clean Energy ICLN	Sold	20.9K → 0 −$273.7K
2 NVDL GraniteShares 2x Long NVDA Daily ETF NVDL	Sold	3.0K → 0 −$211.3K
3 Paychex PAYX	Sold	1.4K → 0 −$205.4K
4 Comcast CMCSA	Sold	5.8K → 0 −$205.3K
5 iShares 20+ Year Treasury Bond TLT	Sold	2.3K → 0 −$203.9K

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Analytics

Portfolio insights and performance metrics for Charter Oak Capital Management, LLC

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Sector Allocation

ETF

92.00%

Technology

3.50%

Financial Services

1.20%

Healthcare

1.00%

Industrials

0.50%

Consumer Cyclical

0.50%

Consumer Defensive

0.40%

Communication Services

0.30%

Energy

0.20%

Utilities

0.10%

Market Cap Distribution

Mega Cap (> $200B)

5.16%

Large Cap ($10B - $200B)

2.50%

Small Cap ($300M - $2B)

0.03%

N/A (ETF or Unknown)

92.32%

Portfolio Concentration

Top 10 Holdings %

77.54%

Top 20 Holdings %

84.88%

Top 50 Holdings %

92.3%

Top 100 Holdings %

96.89%