# Carmen Barncord

> Carmen Barncord is a fee-only financial advisor at Martin Capital Advisors in San Antonio, Texas, who holds the CFP credential. Carmen charges a percentage of assets (0.25%–1% a year of assets managed).

Page: https://find.wellspent.co/advisors/carmen-barncord/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Martin Capital Advisors
- **Based in:** San Antonio, Texas
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 0.25%–1% a year of assets managed
- **Assets under management (firm):** $181.9M across 84 accounts
- **Credentials:** CFP
- **CRD:** 6599190 (https://adviserinfo.sec.gov/individual/summary/6599190)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 65 (2016)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** http://www.martincapital.com

## Frequently asked questions

### Is Carmen Barncord a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Carmen holds no broker registration, and Martin Capital Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Carmen charge for financial advice?

Carmen charges a percentage of assets.

### How much does Carmen charge?

According to Martin Capital Advisors's website, checked October 30, 2026: 0.25%–1% a year of assets managed.

### Where is Carmen Barncord based?

Carmen Barncord is based in San Antonio, Texas.

### What credentials does Carmen Barncord hold?

Carmen Barncord holds the CFP credential.

### Is Carmen Barncord registered with the SEC?

Yes. Carmen Barncord is registered as an investment adviser representative in TX (CRD 6599190), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Martin Capital Advisors manage?

Martin Capital Advisors reports $181.9M across 84 accounts in assets under management.

### How do I contact Carmen Barncord?

Through Carmen's website, www.martincapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6599190): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://martincapital.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.