# Charles Harper

> Charles Harper is a fee-only financial advisor at Harper Financial Planning LLC in Columbia, South Carolina, who holds the CFP, ChFC and RICP credentials. Charles charges a percentage of assets, a flat fee or retainer, hourly fees and a one-time planning fee (one-time plans from $4,000 and $375 an hour) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/charles-harper/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Harper Financial Planning LLC
- **Based in:** Columbia, South Carolina
- **Fee model:** Percentage of assets; Flat fee or retainer; Hourly; One-time planning fee
- **Fees (firm's website):** one-time plans from $4,000; $375 an hour; 1% a year on the first tier of assets managed; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $35.4M across 247 accounts
- **Credentials:** CFP, ChFC, RICP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Equity compensation, Small business owners
- **Works with:** Retirees, Pre-retirees, Physicians, Early-career professionals
- **CRD:** 6690620 (https://adviserinfo.sec.gov/individual/summary/6690620)
- **SEC registration:** Investment adviser representative in SC, TX
- **Exams passed:** Series 66 (2016)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://harperfinancialplanning.com

## Frequently asked questions

### Is Charles Harper a fee-only financial advisor?

Yes. Charles Harper is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Charles's firm.

### How does Charles charge for financial advice?

Charles charges a percentage of assets, a flat fee or retainer, hourly fees and a one-time planning fee.

### How much does Charles charge?

According to Harper Financial Planning LLC's website, checked October 28, 2026: one-time plans from $4,000; $375 an hour; 1% a year on the first tier of assets managed; no asset minimum.

### Does Charles work with clients virtually?

Yes. Harper Financial Planning LLC says on its website that it works with clients remotely.

### Where is Charles Harper based?

Charles Harper is based in Columbia, South Carolina.

### What does Charles specialize in?

Charles's specialties include retirement planning, tax planning, estate & legacy planning, equity compensation and small business owners. Charles works with retirees, pre-retirees, physicians and early-career professionals.

### What credentials does Charles Harper hold?

Charles Harper holds the CFP, ChFC and RICP credentials.

### Is Charles Harper registered with the SEC?

Yes. Charles Harper is registered as an investment adviser representative in SC and TX (CRD 6690620), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Harper Financial Planning LLC manage?

Harper Financial Planning LLC reports $35.4M across 247 accounts in assets under management.

### How do I contact Charles Harper?

Through Charles's website, harperfinancialplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/52406): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.harperfinancialplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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