# Financial advisors for retirees in Charlotte, North Carolina > For retirees in Charlotte, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Tammy Goodman of Tammy Goodman Financial, LLC, Drew Waterbury of Ocean Advisors and James Charles of Sanctuary Financial Planning, LLC. Page: https://find.wellspent.co/audiences/retirees/north-carolina/charlotte/ 34 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 as a retiree in Charlotte? For retirees in Charlotte, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Tammy Goodman of Tammy Goodman Financial, LLC, Drew Waterbury of Ocean Advisors and James Charles of Sanctuary Financial Planning, LLC. - [Tammy Goodman](https://find.wellspent.co/advisors/tammy-goodman/), Tammy Goodman Financial, LLC, Charlotte City. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Drew Waterbury](https://find.wellspent.co/advisors/drew-waterbury/), Ocean Advisors, Charlotte City. Holds the CFP. Fees on file: hourly, percentage of assets. - [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. - [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. - [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. - [Nick Foy](https://find.wellspent.co/advisors/nick-foy/), Greenway Wealth Advisors, LLC, Charlotte City. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. ## How many fee-only financial advisors in Charlotte work with retirees? The Wellspent public graph lists 34 fee-only advisors for retirees in Charlotte, at 18 firms. We counted every advisor record that lists this work, as of November 2026. ## How do fee-only advisors for retirees in Charlotte charge? The most common fee among fee-only advisors for retirees in Charlotte is a percentage of assets, used by 82% of the 34 with fees on file. Many use more than one: 53% charge by the hour and 53% charge fixed fees. ## 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 retirees have? For retirees, look for the CFP. In Charlotte, 44% of the 34 advisors listed hold the CFP. - CFP (44% of advisors listed): The CFP covers tax, insurance, and estate decisions together. ## How do Charlotte advisors for retirees compare with the rest of the US? 53% of fee-only advisors for retirees in Charlotte charge by the hour, compared with 41% of the 3,334 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 as a retiree in Charlotte? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does North Carolina tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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 | |---|---|---|---|---| | [Nick Foy](https://find.wellspent.co/advisors/nick-foy.md) | Greenway Wealth Advisors, LLC | Charlotte, North Carolina | CFP | Percentage of assets, Ongoing planning fee | | [Chris Mullis](https://find.wellspent.co/advisors/chris-mullis.md) | NorthStar Capital Advisors | Charlotte, North Carolina | CFP, PhD | Percentage of assets, Hourly | | [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 | | [Tammy Goodman](https://find.wellspent.co/advisors/tammy-goodman.md) | Tammy Goodman Financial, LLC | 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 | | [Adam Coleman](https://find.wellspent.co/advisors/adam-coleman.md) | Nectarine | Charlotte, North Carolina | CRPC, AFC, CDLP | Subscription, One-time planning fee, Hourly | | [Drew Waterbury](https://find.wellspent.co/advisors/drew-waterbury.md) | Ocean Advisors | Charlotte, North Carolina | CFP | Hourly, Percentage of assets | | [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 | | [Evan Grey](https://find.wellspent.co/advisors/evan-grey.md) | Grey Private Capital | Charlotte, North Carolina | CFP | Flat fee or retainer, 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 | | [Andrew Lee](https://find.wellspent.co/advisors/andrew-lee.md) | Linkside Financial | Charlotte, North Carolina | | Percentage of assets | | [Brenton Bersin](https://find.wellspent.co/advisors/brenton-bersin.md) | Linkside Financial | Charlotte, North Carolina | | 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 | | [Kevin Blocker](https://find.wellspent.co/advisors/kevin-blocker.md) | Linkside Financial | Charlotte, North Carolina | | Percentage of assets | | [Robert Johnson](https://find.wellspent.co/advisors/robert-johnson.md) | Linkside Financial | Charlotte, North Carolina | | Percentage of assets | | [Sidney King](https://find.wellspent.co/advisors/sidney-king.md) | Retirement Planning Blueprint | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Isaac Neidbalson](https://find.wellspent.co/advisors/isaac-neidbalson.md) | Jarrod Adams Investing | 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 | | [Edward Jackson](https://find.wellspent.co/advisors/edward-jackson.md) | The Investor Advisory Group | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Michael Jackson](https://find.wellspent.co/advisors/michael-jackson.md) | The Investor Advisory Group | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Robert Jones](https://find.wellspent.co/advisors/robert-jones.md) | The Investor Advisory Group | Charlotte, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [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 | | [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) - [Pre-retirees in Charlotte](https://find.wellspent.co/audiences/pre-retirees/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) - [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).