# James Charles

> James Charles is a fee-only financial advisor at Sanctuary Financial Planning, LLC in Charlotte, North Carolina, who holds the CDFA, CFA and CFP credentials. James charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $9,800 a year and no asset minimum) and focuses on flat-fee planning, retirement planning and tax planning.

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

## Facts

- **Firm:** Sanctuary Financial Planning, LLC
- **Based in:** Charlotte, North Carolina
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $9,800 a year; no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $102.2M across 67 accounts
- **Credentials:** CDFA, CFA, CFP, MS
- **Specialties:** Flat-fee planning, Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 1785950 (https://adviserinfo.sec.gov/individual/summary/1785950)
- **SEC registration:** Investment adviser representative in CA, NC, TX
- **Exams passed:** Series 65 (1993), Series 63 (2000)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://sanctuaryfp.com

## Frequently asked questions

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

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

### How does James charge for financial advice?

James charges a flat fee or retainer and an ongoing planning fee.

### How much does James charge?

According to Sanctuary Financial Planning, LLC's website, checked October 28, 2026: ongoing planning from $9,800 a year; no asset minimum.

### Where is James Charles based?

James Charles is based in Charlotte, North Carolina.

### What does James specialize in?

James's specialties include flat-fee planning, retirement planning, tax planning and estate & legacy planning. James works with retirees and pre-retirees.

### What credentials does James Charles hold?

James Charles holds the CDFA, CFA, CFP and MS credentials.

### Is James Charles registered with the SEC?

Yes. James Charles is registered as an investment adviser representative in CA, NC and TX (CRD 1785950), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Sanctuary Financial Planning, LLC manage?

Sanctuary Financial Planning, LLC reports $102.2M across 67 accounts in assets under management.

### How do I contact James Charles?

Through James's website, sanctuaryfp.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/50153): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://sanctuaryfinancialplanning.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.