Board of Directors

Charter Charitable Foundation is governed by a volunteer Board of Directors. The Board consists of diverse professionals, including financial executives and business leaders committed to the success of the Foundation. - September 1, 2007

To view a board member's biography, click on their names below.

Steven A. Albrecht
Chairman and Director

Stephen G. Fritch
Director

Cynthia Wentworth
Treasurer and Director

Raymond Pinard
Director

Elizabeth R. Kapp
Managing Director and Secretary

Steven A. Albrecht - Chairman

Mr. Albrecht is CEO of Charter Trust Company. The firm is privately held and works confidentially with high net worth individuals and families to: increase wealth, through asset allocation, investment management, charitable giving and family portfolios; protect wealth through legal structures and administration, and transfer wealth through estate plans, family strategies, education and philanthropy.

Mr. Albrecht has conducted business in every major financial center of the world including mainland China. He has worked for both domestic and foreign companies, domestically and overseas, with responsibilities in Swiss private banking and expanding and developing business enterprises in new and established markets.

Mr. Albrecht is an Associate Editor for the Journal of Investing, Associate Editor for the Journal of Wealth Management and a member of the International Investment Forum. He has written articles for journals in the industry, been quoted in Investor’s Business Daily, Wall Street Technology and had been a guest speaker on television for COMCAST. Mr. Albrecht is co-host of Talking Money which is broadcast over 5 major radio stations twice weekly and financial commentator of the Morning Wake-Up Show. He has been a speaker at Purdue University’s Executive Forum and other industry events. In addition to CCF, Mr. Albrecht is a Board member of NHPTV, Chair of the Development Committee and member of the Executive Committee, Trustee of The Butler Foundation and Chairman of Charter Charitable Foundation. Mr. Albrecht is a past Board member of the Krannert Fund, FOMA, Crimeline of Concord, Community Bridges and KSAA.

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Cynthia A. Wentworth, CFP® - Treasurer

Cynthia Wentworth is Chief Financial Officer and Director of Financial Planning for Charter Trust Company. Ms. Wentworth has worked in the international departments of National Westminster Bank and Shawmut Bank in Boston where her duties included extensive overseas travel and meeting with institutional as well as individual accounts. Prior to joining Charter Trust Company in 1995, Ms. Wentworth was in charge of Shawmut’s Private Banking Department’s professional unit.

In addition to her duties as Chief Financial Officer of Charter Trust Company, Ms. Wentworth is responsible for the Financial Planning team at Charter. The Financial Planning group offers sophisticated financial planning services to clients with more complex situations involving family as well as business issues.

Ms. Wentworth is a regular guest on the Morning Wake Up show sharing her financial insight with listeners of more than 5 major radio stations. She is also co-host of Talking Money which airs every Saturday and Sunday morning on multiple radio stations. Ms. Wentworth holds a Bachelor of Arts Degree from Smith College in Northampton, MA and is a graduate of the National Graduate Trust School at Northwestern University in Evanston, IL. Cynthia is a CERTIFIED FINANCIAL PLANNER® practitioner.

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Elizabeth R. Kapp – Managing Director and Secretary

With more than 25 years experience in banking and trust administration, Ms. Kapp joined Charter Trust Company in March of 2001 as Vice President and Wealth Advisor. Her experience is extensive having been with Wachovia Bank, N.A. in Southern Pines, North Carolina, Bank of Boston Connecticut in Trumbull, Union Trust Company in Stamford, Connecticut and Indian Head National Bank in Nashua, New Hampshire.

Ms. Kapp has served on the National Defense Board of the Daughters of the American Revolution, the Executive Board of Cedarcrest Foundation Inc, and the Lions Club International of Keene. She currently is a member of the Business and Professional Women’s Association in Concord and New Hampshire Estate Planning Council, New Hampshire Bankers Association, Executive Director of Gilcreast Farms Homeowners Association and Managing Director of Charter Charitable Foundation. She also has been active in Junior Achievement and local Chambers of Commerce where she has lived and worked.

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Stephen G. Fritch – Director

Mr. Fritch 's experience includes Charter Trust Company, where he was president and has over 30 years of experience in the wealth management industry having managed large regional trust, investment and private banking firms throughout the northeast, as well as small local firms in the same area. Prior to Charter Trust, Mr. Fritch had a lengthy career at Shawmut Bank/Fleet Financial Group where he was senior vice president and regional manager for The Fleet Private Clients Group and BankBoston in the Old Colony Trust Division.

Mr. Fritch is a graduate of the Whittemore School of Business and Economics at the University of New Hampshire, New England Trust School at Williams College and has earned the designation of Certified Trust and Financial Advisor from the National Graduate Trust School at Northwestern University. Mr. Fritch has been involved with many community organizations such as the Upper Valley Planned Giving Council, Concord Capital Center for the Arts, Concord Hospital and the American Heart Association. He is currently serving as co-chair for the Concord Hospital Annual Gala.

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Raymond Pinard – Director

Raymond E. Pinard began his business career in 1980 as an accountant for manufacturing companies and in 1984 became controller for a major roofing contractor. In 1987, he moved on to assume the role of vice president of finance at an aerospace parts manufacturing firm, eventually taking a minority shareholder position in one of the company's subsidiaries.

Utilizing his financial and business management expertise. Mr. Pinard started a consulting practice in 1993, becoming owner and president of R. E. Pinard & Co., Inc., Corporate Value SpecialistSM in Manchester, New Hampshire. His consulting practice focused on providing corporate financial advisory services, management counseling, strategic planning services, business valuations, and investment banking services, on both the buy and sell side. He sold the firm in June 2005. During the spring of that year, Mr. Pinard was approached by the directors of St. Mary's Bank, the Nation’s First Credit Union®, headquartered in Manchester, NH, to make a career change. He had served on the board of directors of the bank for three years and was hired in June 2005 as executive vice president and chief operating officer, with the intention that he would assume the presidency in 2008. He oversaw the consumer, mortgage, and commercial lending divisions of St. Mary's Bank, in addition to deposit and loan operations, and marketing. After nine months with the bank, he decided to return to consulting and separated amicably from St. Mary's Bank.

In April 2006, Mr. Pinard reentered the consulting arena under the name Monticello Group. The firm focuses on working with top-level business executives in validating or redefining their vision for their business, and working with them in providing focus to those issues that will achieve that vision and the desired results. Mr. Pinard's creative problem-solving expertise and ability to relate and work well with people at all levels, along with his broad technical experience across many industries, has helped numerous companies achieve their goals.

Following his consultation in the spring and summer of 2006 with executives at 48HourPrint.com, an online commercial printing company headquartered in Boston, he was asked by the company's directors to assume the role of interim CEO. Shortly thereafter the directors and Mr. Pinard reached an agreement on his permanent role as president & CEO, which became effective in October 2006.

Mr. Pinard holds a Bachelor of Science degree in Accounting from Franklin Pierce College, Rindge, NH (1981), and a Master of Science degree in Finance from Bentley College, Waltham, Massachusetts (1984).

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