Charles’ area of expertise is investment advice and retirement plan design and operation. Prior to joining the firm, he worked for Callan Associates, an institutional investment consulting firm, in their San Francisco and Chicago offices. Charles earned a M.A. in International Policy Studies from the Monterey Institute of International Studies and holds the Series 7 and 63 securities registrations administered by the Financial Industry Regulatory Authority (FINRA). Charles has earned the Accredited Investment Fiduciary® professional designation from Fiduciary 360. He has received formal training in investment fiduciary responsibility.