Karen L. Zaramba

CHARTER OAK CAPITAL MANAGEMENT

Portsmouth, NH 03801

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CRD#: 1874868

Professional summary

Karen Lee Zaramba, CFP® is a registered financial advisor currently at CHARTER OAK CAPITAL MANAGEMENT located in Portsmouth, New Hampshire.

Karen is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2005. Karen has worked at 8 firms and has passed the Series 66, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1. SEACOAST WOMEN'S INVESTMENT GROUP, MEMBER, INVESTMENT RELATED, 5 GLENGARRY DR. STRATHAM NH 03885,INVESTMENT CLUB, START: 1/2008, 1 HR/MONTH OUTSIDE TRADING, DUTIES: ACCOUNTING, NO COMPENSATION, CONTACT PERSON AT THE ORGANIZATION: DIANNE RICHARDS. 2. POPE MEMORIAL COCHECO VALLEY HUMANE SOCIETY, 221 COUNTY FARM ROAD, DOVER, NH, HUMANE SOCIETY, POPEMEMORIALCVHS.ORG, TREASURER for 2021-2022, START FEB 2020, NON INVESTMENT RELATED, 5 HRS/MONTH OUTSIDE TRADING; 1 HR/MONTH DURING SECURITIES HOURS, NO COMPENSATION, NO AUTHORITY OVER INVESTMENT ACCOUNTS, CONTACT PERSON: CINDY EDWARDS. 3. OAK TREE PROPERTIES, MEMBER, NON INVESTMENT RELTED, 62 PORTLAND ROAD, SUITE 37, KENNEBUNK, MAINE 04043, OWNS A COMMERCIAL PROPERTY LEASED TO CHARTER OAK CAPITAL MANAGEMENT, START DATE: 2022-10-01, HOURS PER MONTH DEVOTED TO BUSINESS DURING TRADING HOURS: 0, HOURS PER MONTH DEVOTED TO BUSINESS OUTSIDE TRADING HOURS: 1, PERCENTAGE OF TOTAL YEARLY COMPENSATION EXPECTED TO BE DERIVED FROM THE BUSINESS: 1, CONTACT PERSON AT THE ORGANIZATION: LENA WYAND. 4.CELL POINT LLC, MENMBER, NON INVESTMENT RELATED, 7120 E ORCHARD ROAD CENTENNIAL CO 80111, MADE A PERSONAL INVESTMENT IN A MEDICAL TECHNOLOGY COMPANY MORE THAN 20 YEARS AGO. HAVE NOT RECEIVED A K1 IN SEVERAL YEARS, START DATE: 2000-01-01, HOURS PER MONTH DEVOTED TO BUSINESS DURING TRADING HOURS: 0, HOURS PER MONTH DEVOTED TO BUSINESS OUTSIDE TRADING HOURS: 0, PERCENTAGE OF TOTAL YEARLY COMPENSATION EXPECTED TO BE DERIVED FROM THE BUSINESS: 0, CONTACT PERSON AT THE ORGANIZATION: TERRY COLIP.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Karen Lee Zaramba's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2008

Experience

Current

March 29, 2011 - Present

CHARTER OAK CAPITAL MANAGEMENT

Office #1: Two International Drive Suite 325, Portsmouth, NH 03801Office #2: 62 Portland Road Suite 37, Kennebunk, ME 04043

RIA

CRD#: 120870

Portsmouth, NH

Past

April 4, 2011 - January 2, 2020

PURSHE KAPLAN STERLING INVESTMENTS

CRD#: 35747

KENNEBUNK, ME

Past

June 9, 2010 - March 11, 2011

CG CAPITAL MARKETS, LLC

CRD#: 35513

PORTSMOUTH, NH

Past

November 10, 2009 - May 12, 2010

MICG INVESTMENT MANAGEMENT, LLC

CRD#: 104028

NEWPORT NEWS, VA

Past

November 4, 2009 - December 22, 2011

AEGIS CAPITAL, LLC

RIA

CRD#: 125376

MOUNT PLEASANT, SC

Past

September 25, 2009 - November 2, 2009

COMMONWEALTH FINANCIAL NETWORK

RIA

CRD#: 8032

PORTSMOUTH, NH

Past

September 25, 2009 - November 2, 2009

COMMONWEALTH FINANCIAL NETWORK

CRD#: 8032

PORTSMOUTH, NH

Past

January 1, 2008 - September 28, 2009

WELLS FARGO CLEARING SERVICES, LLC

RIA

CRD#: 19616

PORTSMOUTH, NH

Past

January 1, 2008 - September 28, 2009

WELLS FARGO CLEARING SERVICES, LLC

CRD#: 19616

PORTSMOUTH, NH

Past

November 24, 2005 - January 1, 2008

A. G. EDWARDS & SONS, INC.

RIA

CRD#: 4

PORTSMOUTH, NH

Past

November 16, 2005 - January 3, 2008

A. G. EDWARDS & SONS, INC.

CRD#: 4

PORTSMOUTH, NH

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CHARTER OAK CAPITAL MANAGEMENT

CRD#: 120870 / SEC#: 801-64808

RIA

Registered Investment Advisory firm - (11/2/2005 Approved)

Maine

Registered Investment Advisory firm - (12/31/2005 Terminated)

Massachusetts

Registered Investment Advisory firm - (3/21/2006 Terminated)

New Hampshire

Registered Investment Advisory firm - (12/31/2005 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Maine
(3/29/2011)

IAR

New Hampshire
(3/29/2011)

IAR

Texas
(4/12/2022)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 11/23/2005

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 11/15/2005

General Securities Representative Examination

Current Firm

CHARTER OAK CAPITAL MANAGEMENT

CRD#: 120870 / SEC#: 801-64808

RIA

Registered Investment Advisory firm - (11/2/2005 Approved)

Maine

Registered Investment Advisory firm - (12/31/2005 Terminated)

Massachusetts

Registered Investment Advisory firm - (3/21/2006 Terminated)

New Hampshire

Registered Investment Advisory firm - (12/31/2005 Terminated)

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Contact information

Main Address

Two International Drive Suite 325, Portsmouth, NH 03801

Mailing Address

Phone number

(800) 646-5720

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (21 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

CHARTER OAK_PART 2A BROCHURE (7/14/2025)

Regulatory assets under management

Total Number of Accounts	1,359
AUM (Assets Under Management)	$ 1,419,829,350

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
07/28/2025	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Karen L. Zaramba

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Karen Lee Zaramba's CRS (Customer Relationship Summary).

Certified licenses

Experience

PURSHE KAPLAN STERLING INVESTMENTS

CG CAPITAL MARKETS, LLC

MICG INVESTMENT MANAGEMENT, LLC

AEGIS CAPITAL, LLC

COMMONWEALTH FINANCIAL NETWORK

COMMONWEALTH FINANCIAL NETWORK

WELLS FARGO CLEARING SERVICES, LLC

WELLS FARGO CLEARING SERVICES, LLC

A. G. EDWARDS & SONS, INC.

A. G. EDWARDS & SONS, INC.

Primary Firm SEC Registration

CHARTER OAK CAPITAL MANAGEMENT

State Registrations and Notice Filings

Exams

Series 66

Date: 11/23/2005

SIE

Date: 10/1/2018

Series 7

Date: 11/15/2005

Current Firm

CHARTER OAK CAPITAL MANAGEMENT

Contact information

SEC notice filing (21 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CHARTER OAK CAPITAL MANAGEMENT

TRUST BUT VERIFY

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