# Nicholas Lloyd

> Nicholas Lloyd is a fee-only financial advisor at Novare Capital Management in Charlotte, North Carolina, who holds the CFA credential. Nicholas focuses on estate & legacy planning and family wealth transfer. Novare Capital Management reports charging a percentage of assets on its Form ADV.

Page: https://find.wellspent.co/advisors/nicholas-lloyd/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Novare Capital Management
- **Based in:** Charlotte, North Carolina
- **Fee model (firm's Form ADV):** Percentage of assets
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.92B across 2,075 accounts
- **Credentials:** CFA
- **Specialties:** Estate & legacy planning, Family wealth transfer
- **Works with:** Multi-generational families, Pre-retirees
- **CRD:** 7093912 (https://adviserinfo.sec.gov/individual/summary/7093912)
- **SEC registration:** Investment adviser representative in NC
- **Exams passed:** Series 66 (2020)
- **Firm size:** 23 employees
- **Disclosures:** None reported
- **Website:** http://novarecapital.com/

## Frequently asked questions

### Is Nicholas Lloyd a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Nicholas holds no broker registration, and Novare Capital Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Nicholas charge for financial advice?

Nicholas's firm, Novare Capital Management, reports charging a percentage of assets on its SEC Form ADV.

### Where is Nicholas Lloyd based?

Nicholas Lloyd is based in Charlotte, North Carolina.

### What does Nicholas specialize in?

Nicholas's specialties include estate & legacy planning and family wealth transfer. Nicholas works with multi-generational families and pre-retirees.

### What credentials does Nicholas Lloyd hold?

Nicholas Lloyd holds the CFA credential.

### Is Nicholas Lloyd registered with the SEC?

Yes. Nicholas Lloyd is registered as an investment adviser representative in NC (CRD 7093912), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Novare Capital Management manage?

Novare Capital Management reports $1.92B across 2,075 accounts in assets under management.

### How do I contact Nicholas Lloyd?

Through Nicholas's website, novarecapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7093912): 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
- The firm's website (https://novarecapital.com/): specialties, clients served, and fees, checked October 30, 2026

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