Charles Harper
Harper Financial Planning LLC · Columbia, South Carolina
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.
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Specialties
Who they serve
- Retirees
- Pre-retirees
- Physicians
- Early-career professionals
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 |
| Accepting new clients | Yes |
| Assets under management | $35.4M across 247 accounts |
| Credentials | CFP · ChFC · RICP |
| SEC registration | Investment adviser representative in SC, TX · CRD 6690620 |
| Exams passed | Series 66 (2016) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | harperfinancialplanning.com |
| Profile |
How Charles's firm compares
- A one-time plan starts at $4,000, above the US median of $2,000 for fee-only firms that publish prices.
- The hourly rate is $375, above the US median of $300 for fee-only firms that publish prices.
- Harper Financial Planning LLC's average account is about $143,000, from its Form ADV (assets managed divided by 247 accounts).
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Questions about Charles
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Harper Financial Planning LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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