# James Spirko

> James Spirko is a fee-only financial advisor at Sovereign Financial Group in Raleigh, North Carolina. Sovereign Financial Group reports charging a percentage of assets on its Form ADV.

Page: https://find.wellspent.co/advisors/james-spirko/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Sovereign Financial Group
- **Based in:** Raleigh, North Carolina
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $46.7M across 134 accounts
- **CRD:** 2678102 (https://adviserinfo.sec.gov/individual/summary/2678102)
- **SEC registration:** Investment adviser representative in NC
- **Exams passed:** Series 63 (1995), Series 65 (2005)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.sovereignfinancialinc.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: James holds no broker registration, and Sovereign Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does James charge for financial advice?

James's firm, Sovereign Financial Group, reports charging a percentage of assets on its SEC Form ADV.

### Where is James Spirko based?

James Spirko is based in Raleigh, North Carolina.

### Is James Spirko registered with the SEC?

Yes. James Spirko is registered as an investment adviser representative in NC (CRD 2678102), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sovereign Financial Group manage?

Sovereign Financial Group reports $46.7M across 134 accounts in assets under management.

### How do I contact James Spirko?

Through James's website, www.sovereignfinancialinc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2678102): 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

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