In 2000, Liz Charron, an Accredited Investment Fiduciary®, founded Reservoir Financial on the principle that clients’ interests come first. That core standard continues today through a dedicated, sincere, and capable staff coupled with first-rate technology and a strong structure. Within this framework, we deliver effective and customized financial life planning strategies and results.
We believe in the value of planning, so we work with you to explore your personal priorities and financial goals. We are proud to be at the forefront of the pioneering trend of integrating life planning with financial planning.
Together, we define and clarify your financial life goals, from retirement income or a vacation home to caring for a family member or leaving a legacy to an organization. We research your options carefully. Then, together, we implement the recommendations and monitor the progress of your investments.
Through our affiliation as Investment Advisory Representatives of United Planners Financial Services, Member FINRA/SIPC we offer the following services:
We spend time with you to understand your hopes, needs and fears so we know which financial reservoirs need to be filled for you to feel comfortable. Then we develop scenarios for you to choose from that offer different retirement, investment and income options.
You worked hard for what you have, and we want to help you grow it and distribute it as you see fit. We review and recommend investments based on your needs, tax sensitivity, interests, risk tolerance and time horizons. This enables us to determine which financial reservoirs need to be filled so your money is available when you need it.
Balancing your own financial needs against your desire to leave a legacy or care for future generations requires expert assistance. We work with your lawyers or accountants to develop plans that transfer your wealth to the people or organizations that matter to you.
We help you review the odds of incurring an expensive disability, not living long enough to take care of people who matter to you, needing in-home assistance, and other potential risks. Then we can help you develop a plan to minimize the financial impact.
Many of our clients want to align their investments with their values. We are experienced in reviewing options through the lens of sustainable, responsible investing. We work with you to determine your priorities and ensure our recommendations meet your expectations.
We believe in the value of life planning and work with you to explore your values and priorities. We discuss your investment experience, your comfort level with financial risk and your retirement worries. You tell us what matters to you, so we understand what it will take for you to feel comfortable.
We talk about your experience with investments and financial terminology, explaining everything to ensure you are comfortable. We are great translators, turning investments into plain English, and we understand that many smart people don’t have expertise in financial matters. We do, and we want to share it with you because we truly believe in the value of planning.
We create scenarios to review with you, showing how your financial future will look under different savings and investment circumstances. Once you choose a scenario that feels right to you, we develop a financial plan to support it. When your situation changes or market conditions shift, we change your investments accordingly to help ensure you stay on track to meet your financial life goals.
Liz is an Accredited Investment Fiduciary®, meeting the highest ethical and professional standards in the industry. She has more than 30 years of financial service experience, having held executive roles in insurance – actuarial, product management, customer service and IT – before founding Reservoir Financial in 2000.
Caring and expertise are at the core of everything she does, including her extensive community involvement. She served on several Chamber of Commerce committees and chaired the finance committee for the Lebanon Historical Society's board of directors. Liz was also a Girl Scout leader for many years.
Liz is an elected officer on the Lebanon Board of Finance and also serves on the Planned Giving Committee at the Windham Hospital Foundation. She is also an active member of St. Paul's Episcopal Church.
She and her husband live in Lebanon, where they raised their two children.
Ralph is Senior Vice President at Reservoir Financial and a Certified Financial Planner™ with more than 17 years of experience in financial services, banking, securities, trusts and estates. He is a five time recipient of the Connecticut Five Star Wealth Manager award. Ralph worked as a bank branch manager, then vice president and trust investment officer, before joining Reservoir Financial in 2015.
A desire to work closely with clients in planning their financial futures and to help them achieve a satisfying retirement drove Ralph's move to Reservoir Financial. A caring professional, he served on the finance committees for ARC of New London County and for St. Mary's Church in Norwich. Ralph was also a Little League coach and a mentor for AHM Youth Services in Hebron.
Ralph currently serves on the finance committee for the advisory board at St. Patrick's Cathedral School. He also coaches youth basketball and baseball in Norwich.
Carol brings years of customer service to her role as Client Relations Manager at Reservoir Financial. Prior to joining the firm in 2004, Carol worked for a local casino, learning to stay organized under stress and to work well with a wide variety of personalities. She also managed a retail store, her responsibilities included supervising staff, scheduling and cash management.
Carol is an active community member who supervised fundraising programs for her children’s elementary schools, including Coventry High School Gridiron Club, often partnering with local businesses. Carol and her husband helped save a Boy Scout troop threatened with disbanding, managing it for several years and recruiting new leadership. She also coordinated a cookie drive that delivered 121 dozen cookies to deployed Marines in Iraq where her son was stationed during Christmas time. Her community engagement culminated in Carol’s election to the Hampton Elementary School Board of Education, on which she served for four years.
She and her husband live in Hampton, CT, where they raised twins.
Laura brings both communications and administrative experience to her role as Client Relations Associate/ Office Manager at Reservoir Financial, which she joined in 2014. Previously, she was the Assistant to the Director of Finance for Catholic Charities in Hartford.
Laura’s communications background began at the Diocese of Norwich, serving as the Administrative Assistant to the Director of Communications and webmaster – a role she has taken at Reservoir Financial. She later functioned as Managing Editor of their print newspaper.
Laura and her young daughter reside in Norwich.
Liz Charron, a Registered Principal, and Ralph Johnston, an Investment Advisory Representative, offer securities and advisory services through United Planners Financial Services of America, a Limited Partnership, member FINRA/SIPC.
Currently, Liz Charron is securities registered in AZ, CA, CT, FL, KS, MA, MD, ME, NC, NH, NJ, NV, NY, OH, PA, RI, TN, TX, VA, VT, WA, and WV.
Currently, Liz Charron is insurance registered in AZ, CT, FL, MD, NV, NY, VA and WV.
Currently, Ralph Johnston is securities registered in CT, FL, NH, PA, RI and VT.
Currently, Ralph Johnston is insurance registered in CT.
This communication is strictly intended for individuals residing in the states listed above, where these registered representatives are registered to conduct securities business. No offers may be made or accepted from outside the specific states referenced.
Reservoir Financial LLC and United Planners are independent companies.