Financial advisors for people close to retirement in Charlotte, North Carolina
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Stephen Miller Forward Wealth Management, Charlotte City Holds the CFP. Fees on file: percentage of assets.
- Stephen Boatman Flat Fee Financial LLC, Charlotte City Holds the CFP. Fees on file: flat fee or retainer.
- James Charles Sanctuary Financial Planning, LLC, Charlotte City Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee.
- Evan Grey Grey Private Capital, Charlotte City Holds the CFP. Fees on file: flat fee or retainer, percentage of assets.
- Chris Woods Silvis Financial, Charlotte City Holds the CFP. Fees on file: ongoing planning fee.
- 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.
- CFP57% in Charlotte
- 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.
Dark bars are Charlotte. Light bars are all US advisors for people close to retirement.
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.
All 49 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Chris Mullis | NorthStar Capital Advisors | Charlotte | CFP, PhD | Percentage of assets, Hourly |
| Chris Woods | Silvis Financial | Charlotte | CFP | Ongoing planning fee |
| James Charles | Sanctuary Financial Planning, LLC | Charlotte | CDFA, CFA, CFP, MS | Flat fee or retainer, Ongoing planning fee |
| Stephen Boatman | Flat Fee Financial LLC | Charlotte | CFP | Flat fee or retainer |
| Thomas Mclean | Altruist Wealth Management | Charlotte | CFP, MBA | Flat fee or retainer, Ongoing planning fee |
| Todd Calamita | Calamita Wealth Management | Charlotte | CDFA, CFP | Percentage of assets, Fixed fees |
| Zach Palmer | Ark Royal Wealth Management, LLC | Charlotte | CFP | Percentage of assets, Hourly |
| Adam Coleman Hourly fiduciary planning for millennials, Gen X and FIRE enthusiasts handling home buying, family, debt and DIY investing. | Nectarine | Charlotte | CRPC, AFC, CDLP | Subscription, One-time planning fee |
| Abby Bennett | Verum Partners | Charlotte | CExP, CFP | Percentage of assets, Fixed fees |
| Joshua Bailey | Muirfield Wealth Advisors | Charlotte | CFP | Percentage of assets, Fixed fees |
| Philip Bailey | Muirfield Wealth Advisors | Charlotte | CFP | Percentage of assets, Fixed fees |
| Benjamin Dolan | Dolan Capital Advisors | Charlotte | CFP | Percentage of assets, Hourly |
| Evan Grey | Grey Private Capital | Charlotte | CFP | Flat fee or retainer, Percentage of assets |
| Michael Foster | Dolan Capital Advisors | Charlotte | CFP, CFA | Percentage of assets, Hourly |
| Stephen Miller | Forward Wealth Management | Charlotte | CFP, CFA | Percentage of assets |
| Anne McPhail | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Cameron Amos | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Charles Dann | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| James Gorzynski We increase your company value by 72% to prepare for a sale | Certified Exit Planners | Charlotte | Not listed | One-time planning fee, Flat fee or retainer |
| John Menser | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| John Ryan | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| John Wilks | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Laura Kido | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Linda Walden | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Parker Mayo | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Sophie Young | Novare Capital Management | Charlotte | CFP | Percentage of assets |
| Christopher Knight | Retirement Planning Blueprint | Charlotte | CFP | Percentage of assets, Hourly |
| Cody Ritchie | Retirement Planning Blueprint | Charlotte | CFP | Percentage of assets, Hourly |
| Jakhongir Mirtalipov | Dream Life Wealth Management | Charlotte | Not listed | Percentage of assets, Ongoing planning fee |
| Joseph McFaddin | Retirement Planning Blueprint | Charlotte | CFP | Percentage of assets, Hourly |
| Sidney King | Retirement Planning Blueprint | Charlotte | CFP | Percentage of assets, Hourly |
| Brian Rudisill | Novare Capital Management | Charlotte | CFA | Percentage of assets |
| Isaac Neidbalson | Jarrod Adams Investing | Charlotte | Not listed | Percentage of assets |
| James Baynard | Novare Capital Management | Charlotte | CFA | Percentage of assets |
| James Harlow | Novare Capital Management | Charlotte | CFA | Percentage of assets |
| Nicholas Lloyd | Novare Capital Management | Charlotte | CFA | Percentage of assets |
| Andrew Fisher | Novare Capital Management | Charlotte | Not listed | Percentage of assets |
| Andrew Krafft | Luminary Wealth | Charlotte | Not listed | Percentage of assets, Hourly |
| Christopher Patton | Novare Capital Management | Charlotte | Not listed | Percentage of assets |
| Eric Lockerman | Novare Capital Management | Charlotte | Not listed | Percentage of assets |
| Jessica Rickert | Novare Capital Management | Charlotte | Not listed | Percentage of assets |
| Aaron Salter | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
| Benjamin Small | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
| David Caivano | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
| Esther Bodman | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
| Kevin Johnson | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
| Randall Newton | Eagle Wealth Management Group | Charlotte | Not listed | Percentage of assets |
| Shon McCarley | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
| Stewart Neely | Retirement Planning Blueprint | Charlotte | Not listed | Percentage of assets, Hourly |
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