Meet
Mark Nichols
Investment Advisor in Daytona Beach, FL
Experienced guidance. Personal relationships. A financial plan built around the life you want to live.
Your future deserves
thoughtful guidance.
Charter Financial is your trusted partner for wealth management in Daytona Beach, Florida, helping you work toward financial success and greater peace of mind.
Our experienced team specializes in wealth management, retirement planning, and financial planning tailored to your unique needs. We help you develop personalized strategies for wealth building, tax planning and reduction, and succession planning. Let us guide you toward a more secure financial future.
Mark’s 37-year journey in financial advisory reflects a career rooted in experience, adaptability, and a commitment to holistic planning. Beginning as a stockbroker, he advanced to become a branch manager for a national brokerage firm. His entrepreneurial spirit led him to establish his independent consulting practice in 1994, based in Daytona Beach, Florida—a practice he has proudly nurtured ever since.
Holistic planning lies at the heart of Mark’s professional passion. His experience extends beyond traditional financial advising to tax planning. Collaborating with nationally recognized tax attorneys and experienced CPAs, he helps clients explore proactive strategies tailored to their circumstances. Whether you are a business owner, a high-net-worth individual, or someone seeking to strategically reduce taxes, Mark can help you evaluate your options.
Mark also works with clients on investments, income planning, and debt management. Recognizing the impact debt can have on financial progress, he develops debt elimination strategies as part of a comprehensive approach to financial well-being.
As the founder of Charter Advisory Services, an independent Registered Investment Advisory firm, and Charter Insurance Brokerage, an insurance brokerage company, Mark has built businesses centered on personalized client solutions. He has also earned the Retirement Income Certified Professional designation, reflecting his commitment to continued professional knowledge.
From retirement planning and investment management to estate planning considerations, Mark helps clients connect their financial decisions with their personal goals. Contact him today for a complimentary consultation.
Smart decisions.
Meaningful relationships.
Helping you make informed investment and financial decisions through relationships built on integrity, trust, and personalized service.
We accomplish this mission by offering holistic, comprehensive advisory services that help clients prioritize and pursue their life goals.
Our purpose is to help you arrange your financial affairs efficiently and effectively, pursue capital preservation, and seek risk-adjusted returns consistent with your financial objectives—all while working toward greater financial freedom.
Charter Financial Group was established to provide long-term, value-added financial counsel, investment guidance, and exceptional service. We work alongside our clients to articulate, establish, and pursue their financial life goals.
We are committed to providing a high level of personal service and ongoing education, helping you better understand our financial and investment strategies and the role they play in your overall plan.
Integrity
Honest conversations and professional relationships grounded in trust.
Personal Service
Guidance that reflects your priorities, circumstances, and long-term goals.
Ongoing Education
Clear explanations that help you understand your options and make informed decisions.
We see the person
behind the plan.
We believe in a holistic approach to financial planning—one that considers the whole person.
A financial solution that appears best on paper may not be the right fit for your circumstances, values, or priorities. That is why we evaluate the options available to you in the context of your life.
Each client receives an individualized analysis of their current situation, relevant financial alternatives, and specific recommendations about potential paths forward.
Choices that fit your life
Presenting relevant alternatives helps us develop a cohesive plan designed around your lifelong financial goals and personal philosophy. Informed decisions begin with understanding your options—including possibilities you may not have considered.
Values that guide our work
We believe responsible decisions, reasonable expectations, and attentive counsel provide a strong foundation for pursuing your goals. Honesty, hard work, and respect for others guide our relationships. Earning your trust is a responsibility we take seriously.
Plan for a comfortable
and secure retirement.
Peace of mind begins with preparation, understanding, and a professional relationship you can trust.
We help you explore retirement options and practical strategies for your individual needs and concerns. As professional advisors, we believe you have the right to:
- Receive relevant advice and information from well-educated, experienced advisors.
- Be informed and educated about your retirement financial options.
- Have a sincere professional explain, clarify, and simplify your choices.
- Receive an honest, upfront explanation of both benefits and drawbacks, with full disclosure.
- Be offered practical ideas and solutions relevant to your circumstances.
- Make decisions without pressure to act quickly or before you understand your options.
- Receive continued personal service throughout your retirement years.
- Have your financial affairs handled with confidentiality and care.
- Receive information presented honestly and based on facts.
A clear path.
A personalized plan.
From our first conversation to ongoing reviews, we work with you to build a strategy that evolves with your life.
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Identify Your Goals and Priorities
We begin during our initial meeting by getting to know one another. We focus on your specific needs, goals, and priorities. A comprehensive risk questionnaire helps us understand your investment mindset and comfort with risk.
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Gather Your Data
We gather the necessary documents, policies, and statements. Together, we define your personal and financial goals, including the timeframes for achieving them.
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Analyze Data and Create a Plan
We evaluate your information to develop a long-term investment strategy tailored to your needs. We then prepare a comprehensive plan outlining the strategies we recommend to help you pursue your goals.
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Implement Your Personalized Plan
We help put your strategy into action. Through clear communication and coordinated support, we strive to make the implementation process straightforward and efficient.
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Review and Monitor Your Plan
We review client accounts regularly to assess their alignment with your objectives. Communication remains a priority: we explain our reporting, answer questions, and keep you informed. When your circumstances change or market conditions call for a different approach, we discuss our recommendations for appropriate adjustments.
Your next chapter
starts with a plan.
Meet with Mark Nichols to discuss your goals, explore your options, and take the next step toward a more confident financial future.