# Financial advisors for people close to retirement in Charlotte, North Carolina > For people close to retirement in Charlotte, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Stephen Miller of Forward Wealth Management, Stephen Boatman of Flat Fee Financial LLC and James Charles of Sanctuary Financial Planning, LLC. Page: https://find.wellspent.co/audiences/pre-retirees/north-carolina/charlotte/ 49 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in Charlotte? For people close to retirement in Charlotte, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Stephen Miller of Forward Wealth Management, Stephen Boatman of Flat Fee Financial LLC and James Charles of Sanctuary Financial Planning, LLC. - [Stephen Miller](https://find.wellspent.co/advisors/stephen-miller-4112825/), Forward Wealth Management, Charlotte City. Holds the CFP. Fees on file: percentage of assets. - [Stephen Boatman](https://find.wellspent.co/advisors/stephen-boatman/), Flat Fee Financial LLC, Charlotte City. Holds the CFP. Fees on file: flat fee or retainer. - [James Charles](https://find.wellspent.co/advisors/james-charles/), Sanctuary Financial Planning, LLC, Charlotte City. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Evan Grey](https://find.wellspent.co/advisors/evan-grey/), Grey Private Capital, Charlotte City. Holds the CFP. Fees on file: flat fee or retainer, percentage of assets. - [Chris Woods](https://find.wellspent.co/advisors/chris-woods/), Silvis Financial, Charlotte City. Holds the CFP. Fees on file: ongoing planning fee. - [Thomas Mclean](https://find.wellspent.co/advisors/thomas-mclean/), Altruist Wealth Management, Charlotte City. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. ## How many fee-only financial advisors in Charlotte work with people close to retirement? The Wellspent public graph lists 49 fee-only advisors for people close to retirement in Charlotte, at 20 firms. We counted every advisor record that lists this work, as of November 2026. ## How do fee-only advisors for people close to retirement in Charlotte charge? The most common fee among fee-only advisors for people close to retirement in Charlotte is a percentage of assets, used by 88% of the 49 with fees on file. Many use more than one: 39% charge fixed fees and 35% charge by the hour. ## How much do fee-only financial advisors charge in Charlotte? Fee-only financial advisors in Charlotte charge a median of $4,125 a year for ongoing planning. We found this across the published prices of 10 Charlotte firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP. In Charlotte, 57% of the 49 advisors listed hold the CFP. - CFP (57% of advisors listed): The CFP covers the whole transition. ## How do Charlotte advisors for people close to retirement compare with the rest of the US? 57% of fee-only advisors for people close to retirement in Charlotte hold the CFP, compared with 52% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does North Carolina tax Social Security? No. North Carolina doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor if you're close to retirement in Charlotte? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does North Carolina tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement in Charlotte? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Chris Mullis](https://find.wellspent.co/advisors/chris-mullis.md) | NorthStar Capital Advisors | Charlotte, North Carolina | CFP, PhD | Percentage of assets, Hourly | | [Chris Woods](https://find.wellspent.co/advisors/chris-woods.md) | Silvis Financial | Charlotte, North Carolina | CFP | Ongoing planning fee | | [James Charles](https://find.wellspent.co/advisors/james-charles.md) | Sanctuary Financial Planning, LLC | Charlotte, North Carolina | CDFA, CFA, CFP, MS | Flat fee or retainer, Ongoing planning fee | | [Stephen Boatman](https://find.wellspent.co/advisors/stephen-boatman.md) | Flat Fee Financial LLC | Charlotte, North Carolina | CFP | Flat fee or retainer | | [Thomas Mclean](https://find.wellspent.co/advisors/thomas-mclean.md) | Altruist Wealth Management | Charlotte, North Carolina | CFP, MBA | Flat fee or retainer, Ongoing planning fee | | [Todd Calamita](https://find.wellspent.co/advisors/todd-calamita.md) | Calamita Wealth Management | Charlotte, North Carolina | CDFA, CFP | Percentage of assets, Fixed fees | | [Zach Palmer](https://find.wellspent.co/advisors/zach-palmer.md) | Ark Royal Wealth Management, LLC | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Adam Coleman](https://find.wellspent.co/advisors/adam-coleman.md) | Nectarine | Charlotte, North Carolina | CRPC, AFC, CDLP | Subscription, One-time planning fee, Hourly | | [Abby Bennett](https://find.wellspent.co/advisors/abby-bennett.md) | Verum Partners | Charlotte, North Carolina | CExP, CFP | Percentage of assets, Fixed fees | | [Joshua Bailey](https://find.wellspent.co/advisors/joshua-bailey.md) | Muirfield Wealth Advisors | Charlotte, North Carolina | CFP | Percentage of assets, Fixed fees | | [Philip Bailey](https://find.wellspent.co/advisors/philip-bailey.md) | Muirfield Wealth Advisors | Charlotte, North Carolina | CFP | Percentage of assets, Fixed fees | | [Benjamin Dolan](https://find.wellspent.co/advisors/benjamin-dolan.md) | Dolan Capital Advisors | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Evan Grey](https://find.wellspent.co/advisors/evan-grey.md) | Grey Private Capital | Charlotte, North Carolina | CFP | Flat fee or retainer, Percentage of assets | | [Michael Foster](https://find.wellspent.co/advisors/michael-foster.md) | Dolan Capital Advisors | Charlotte, North Carolina | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Stephen Miller](https://find.wellspent.co/advisors/stephen-miller-4112825.md) | Forward Wealth Management | Charlotte, North Carolina | CFP, CFA | Percentage of assets | | [Anne McPhail](https://find.wellspent.co/advisors/anne-mcphail.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Cameron Amos](https://find.wellspent.co/advisors/cameron-amos.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Charles Dann](https://find.wellspent.co/advisors/charles-dann.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [James Gorzynski](https://find.wellspent.co/advisors/james-gorzynski.md) | Certified Exit Planners | Charlotte, North Carolina | | One-time planning fee, Flat fee or retainer | | [John Menser](https://find.wellspent.co/advisors/john-menser.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [John Ryan](https://find.wellspent.co/advisors/john-ryan.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [John Wilks](https://find.wellspent.co/advisors/john-wilks.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Laura Kido](https://find.wellspent.co/advisors/laura-kido.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Linda Walden](https://find.wellspent.co/advisors/linda-walden.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Parker Mayo](https://find.wellspent.co/advisors/parker-mayo.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Sophie Young](https://find.wellspent.co/advisors/sophie-young.md) | Novare Capital Management | Charlotte, North Carolina | CFP | Percentage of assets | | [Christopher Knight](https://find.wellspent.co/advisors/christopher-knight.md) | Retirement Planning Blueprint | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Cody Ritchie](https://find.wellspent.co/advisors/cody-ritchie.md) | Retirement Planning Blueprint | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Jakhongir Mirtalipov](https://find.wellspent.co/advisors/jakhongir-mirtalipov.md) | Dream Life Wealth Management | Charlotte, North Carolina | | Percentage of assets, Ongoing planning fee | | [Joseph McFaddin](https://find.wellspent.co/advisors/joseph-mcfaddin.md) | Retirement Planning Blueprint | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Sidney King](https://find.wellspent.co/advisors/sidney-king.md) | Retirement Planning Blueprint | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Brian Rudisill](https://find.wellspent.co/advisors/brian-rudisill.md) | Novare Capital Management | Charlotte, North Carolina | CFA | Percentage of assets | | [Isaac Neidbalson](https://find.wellspent.co/advisors/isaac-neidbalson.md) | Jarrod Adams Investing | Charlotte, North Carolina | | Percentage of assets | | [James Baynard](https://find.wellspent.co/advisors/james-baynard.md) | Novare Capital Management | Charlotte, North Carolina | CFA | Percentage of assets | | [James Harlow](https://find.wellspent.co/advisors/james-harlow.md) | Novare Capital Management | Charlotte, North Carolina | CFA | Percentage of assets | | [Nicholas Lloyd](https://find.wellspent.co/advisors/nicholas-lloyd.md) | Novare Capital Management | Charlotte, North Carolina | CFA | Percentage of assets | | [Andrew Fisher](https://find.wellspent.co/advisors/andrew-fisher.md) | Novare Capital Management | Charlotte, North Carolina | | Percentage of assets | | [Andrew Krafft](https://find.wellspent.co/advisors/andrew-krafft.md) | Luminary Wealth | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Christopher Patton](https://find.wellspent.co/advisors/christopher-patton.md) | Novare Capital Management | Charlotte, North Carolina | | Percentage of assets | | [Eric Lockerman](https://find.wellspent.co/advisors/eric-lockerman.md) | Novare Capital Management | Charlotte, North Carolina | | Percentage of assets | | [Jessica Rickert](https://find.wellspent.co/advisors/jessica-rickert.md) | Novare Capital Management | Charlotte, North Carolina | | Percentage of assets | | [Aaron Salter](https://find.wellspent.co/advisors/aaron-salter.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Benjamin Small](https://find.wellspent.co/advisors/benjamin-small.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [David Caivano](https://find.wellspent.co/advisors/david-caivano.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Esther Bodman](https://find.wellspent.co/advisors/esther-bodman.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Kevin Johnson](https://find.wellspent.co/advisors/kevin-johnson.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Randall Newton](https://find.wellspent.co/advisors/randall-newton.md) | Eagle Wealth Management Group | Charlotte, North Carolina | | Percentage of assets | | [Shon McCarley](https://find.wellspent.co/advisors/shon-mccarley.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Stewart Neely](https://find.wellspent.co/advisors/stewart-neely.md) | Retirement Planning Blueprint | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | ## Related - [Retirement planning in Charlotte](https://find.wellspent.co/specialties/retirement-planning/north-carolina/charlotte.md) - [Estate planning in Charlotte](https://find.wellspent.co/specialties/estate-planning/north-carolina/charlotte.md) - [Tax planning in Charlotte](https://find.wellspent.co/specialties/tax-planning/north-carolina/charlotte.md) - [Family wealth transfer in Charlotte](https://find.wellspent.co/specialties/family-wealth-transfer/north-carolina/charlotte.md) - [Retirees in Charlotte](https://find.wellspent.co/audiences/retirees/north-carolina/charlotte.md) - [Founders in Charlotte](https://find.wellspent.co/specialties/founders-pre-exit/north-carolina/charlotte.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).