# Stephen Boatman

> Stephen Boatman is a fee-only financial advisor at Flat Fee Financial LLC in Charlotte, North Carolina, who holds the CFP credential. Stephen charges a flat fee or retainer (ongoing planning from $6,000 a year) and focuses on flat-fee planning, tax planning and retirement planning.

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

## Facts

- **Firm:** Flat Fee Financial LLC
- **Based in:** Charlotte, North Carolina
- **Fee model:** Flat fee or retainer
- **Fees (firm's website):** ongoing planning from $6,000 a year
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $17.7M across 126 accounts
- **Credentials:** CFP
- **Specialties:** Flat-fee planning, Tax planning, Retirement planning, Small business owners
- **Works with:** Pre-retirees, Retirees
- **CRD:** 6580619 (https://adviserinfo.sec.gov/individual/summary/6580619)
- **SEC registration:** Investment adviser representative in NC
- **Exams passed:** Series 65 (2015)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://flatfee-financial.com

## Frequently asked questions

### Is Stephen Boatman a fee-only financial advisor?

Yes. Stephen Boatman is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Stephen's firm.

### How does Stephen charge for financial advice?

Stephen charges a flat fee or retainer.

### How much does Stephen charge?

According to Flat Fee Financial LLC's website, checked October 28, 2026: ongoing planning from $6,000 a year.

### Where is Stephen Boatman based?

Stephen Boatman is based in Charlotte, North Carolina.

### What does Stephen specialize in?

Stephen's specialties include flat-fee planning, tax planning, retirement planning and small business owners. Stephen works with pre-retirees and retirees.

### What credentials does Stephen Boatman hold?

Stephen Boatman holds the CFP credential.

### Is Stephen Boatman registered with the SEC?

Yes. Stephen Boatman is registered as an investment adviser representative in NC (CRD 6580619), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Flat Fee Financial LLC manage?

Flat Fee Financial LLC reports $17.7M across 126 accounts in assets under management.

### How do I contact Stephen Boatman?

Through Stephen's website, flatfee-financial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/stephen-boatman-11639): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.flatfee-financial.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.