Institutional Manager · CIK 0001810720

Charter Oak Capital Management, LLC

Portsmouth, NH · File #028-20761

Latest AUM

$1.31B

Positions

211

Top-10 Concentration

82.8%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	VANGUARD BD INDEX FDS	92203C303	+571,471	+$28.5M	-$1,097
REDUCE	VANGUARD BD INDEX FDS	921937827	-174,952	-$13.8M	-$95,757
ADD	ISHARES TR	464288638	+100,214	+$5.4M	-$299,848
ADD	ISHARES TR	464287226	+41,692	+$4.2M	-$668,958
REDUCE	ISHARES TR	46432F834	-21,611	-$1.8M	+$899,052
REDUCE	VANGUARD INTL EQUITY INDEX F	922042775	-23,947	-$1.8M	+$1.2M
ADD	VANGUARD WHITEHALL FDS	921946406	+9,968	+$1.4M	+$36,432
REDUCE	VANGUARD BD INDEX FDS	921937835	-18,306	-$1.4M	-$38,073
REDUCE	ISHARES TR	46434V100	-24,387	-$1.2M	-$10,674
REDUCE	ISHARES TR	464288646	-19,206	-$1.0M	-$39,325

Sector Allocation

Technology

3.3%$42.7M

Healthcare

0.9%$12.2M

Financials

0.9%$11.9M

Consumer Discretionary

0.4%$5.8M

Industrials

0.3%$4.7M

Consumer Staples

0.2%$2.5M

Energy

0.2%$2.3M

Communication Services

0.1%$1.2M

Real Estate

0.0%$230,015

Utilities

0.0%$234,121

Filing History

Jan 23, 202613F HOLDINGS REPORTQ/E Dec 2025211 pos · $1.31B
Oct 30, 202513F HOLDINGS REPORTQ/E Sep 2025205 pos · $1.27B
Jul 10, 202513F HOLDINGS REPORTQ/E Jun 2025197 pos · $1.18B
Apr 14, 202513F HOLDINGS REPORTQ/E Mar 2025200 pos · $1.09B
Jan 22, 202513F HOLDINGS REPORTQ/E Dec 2024180 pos · $1.07B
Oct 30, 202413F HOLDINGS REPORTQ/E Sep 2024186 pos · $1.07B
Jul 24, 202413F HOLDINGS REPORTQ/E Jun 2024182 pos · $958.3M
Apr 23, 202413F HOLDINGS REPORTQ/E Mar 2024190 pos · $933.1M
Oct 5, 202313F HOLDINGS REPORTQ/E Dec 2023176 pos · $755.1M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	ISHARES TR	464287200	492,512	$337.3M	27.98%
2	ISHARES TR	464287226	1,849,735	$184.8M	15.32%
3	VANGUARD STAR FDS	921909768	1,659,940	$125.2M	10.38%
4	ISHARES TR	464288638	1,527,956	$82.3M	6.83%
5	VANGUARD INDEX FDS	922908652	358,062	$74.9M	6.21%
6	VANGUARD BD INDEX FDS	921937827	782,173	$61.6M	5.11%
7	VANGUARD INTL EQUITY INDEX F	922042775	513,222	$37.8M	3.13%
8	ISHARES TR	46432F834	414,803	$35.1M	2.91%
9	VANGUARD INDEX FDS	922908363	47,931	$30.1M	2.49%
10	VANGUARD BD INDEX FDS	92203C303	578,483	$28.8M	2.39%
11	APPLE INC	AAPL	78,467	$21.3M	1.77%
12	ISHARES TR	464288646	242,991	$12.8M	1.07%
13	ISHARES TR	464288257	80,900	$11.4M	0.95%
14	VANGUARD WORLD FD	921910725	157,179	$11.3M	0.93%
15	ISHARES TR	464288802	71,996	$10.0M	0.83%
16	ISHARES TR	464287663	89,915	$9.2M	0.76%
17	ISHARES TR	464288240	135,051	$9.1M	0.75%
18	ISHARES TR	464287309	67,459	$8.3M	0.69%
19	VANGUARD BD INDEX FDS	921937835	108,579	$8.0M	0.67%
20	VANGUARD WORLD FD	921910733	52,977	$6.4M	0.53%