# Sara Warntz

> Sara Warntz is a fee-only financial advisor at Topsail Wealth Management in Charlotte, North Carolina, who holds the CFP credential. Sara charges a percentage of assets (0.3% a year on the first tier of assets managed) and focuses on tax planning, estate & legacy planning and family wealth transfer.

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

## Facts

- **Firm:** Topsail Wealth Management
- **Based in:** Charlotte, North Carolina
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 0.3% a year on the first tier of assets managed
- **Assets under management (firm):** $1.31B across 729 accounts
- **Credentials:** CFP
- **Specialties:** Tax planning, Estate & legacy planning, Family wealth transfer
- **CRD:** 6081647 (https://adviserinfo.sec.gov/individual/summary/6081647)
- **SEC registration:** Investment adviser representative in FL, NC, SC
- **Exams passed:** Series 63 (2012), Series 65 (2017)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://topsailwealthmanagement.com/

## Frequently asked questions

### Is Sara Warntz a fee-only financial advisor?

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

### How does Sara charge for financial advice?

Sara charges a percentage of assets.

### How much does Sara charge?

According to Topsail Wealth Management's website, checked October 30, 2026: 0.3% a year on the first tier of assets managed.

### Where is Sara Warntz based?

Sara Warntz is based in Charlotte, North Carolina.

### What does Sara specialize in?

Sara's specialties include tax planning, estate & legacy planning and family wealth transfer.

### What credentials does Sara Warntz hold?

Sara Warntz holds the CFP credential.

### Is Sara Warntz registered with the SEC?

Yes. Sara Warntz is registered as an investment adviser representative in FL, NC and SC (CRD 6081647), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Topsail Wealth Management manage?

Topsail Wealth Management reports $1.31B across 729 accounts in assets under management.

### How do I contact Sara Warntz?

Through Sara's website, topsailwealthmanagement.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6081647): 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://topsailwealthmanagement.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.