James Charles
Sanctuary Financial Planning, LLC · Charlotte, North Carolina
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.
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Specialties
Who they serve
- Retirees
- Pre-retirees
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 |
| Assets under management | $102.2M across 67 accounts |
| Credentials | CDFA · CFA · CFP · MS |
| SEC registration | Investment adviser representative in CA, NC, TX · CRD 1785950 |
| Exams passed | Series 65 (1993) · Series 63 (2000) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | sanctuaryfp.com |
| Profile |
How James's firm compares
- Ongoing planning starts at $9,800 a year, above the North Carolina median of $4,500 for fee-only firms that publish prices.
- Sanctuary Financial Planning, LLC's average account is about $1.5 million, from its Form ADV (assets managed divided by 67 accounts).
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Questions about James
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.
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
- Sanctuary 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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