# Financial advisors for retirement planning in North Carolina > For retirement planning in North Carolina, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Addison Delage of CAPTRUST, Erin Campbell of Beacon Financial Strategies and Deborah Hobart of Blue Water Capital Management, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/north-carolina/ 241 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 about retirement planning in North Carolina? For retirement planning in North Carolina, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Addison Delage of CAPTRUST, Erin Campbell of Beacon Financial Strategies and Deborah Hobart of Blue Water Capital Management, LLC. - [Addison Delage](https://find.wellspent.co/advisors/addison-delage/), CAPTRUST, Raleigh. Holds the CFP and CPA. Fees on file: flat fee or retainer, percentage of assets. - [Erin Campbell](https://find.wellspent.co/advisors/erin-campbell/), Beacon Financial Strategies, Raleigh. Holds the CFP and CPA. Fees on file: percentage of assets, ongoing planning fee. - [Deborah Hobart](https://find.wellspent.co/advisors/deborah-hobart/), Blue Water Capital Management, LLC, Apex. Holds the CFP and CPA. Fees on file: ongoing planning fee. - [Travis Tracy](https://find.wellspent.co/advisors/travis-tracy/), Fortitude Financial Planning, LLC, Raleigh. Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee. - [Rupa Pereira](https://find.wellspent.co/advisors/rupa-pereira/), FWJ Planning, Raleigh Durham Triangle. Holds the CFP and EA. Fees on file: subscription, one-time planning fee. - [Nick Murphy](https://find.wellspent.co/advisors/nick-murphy/), Counterweight Private Wealth, Raleigh. Holds the RICP and CFP. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in North Carolina work on retirement planning? The Wellspent public graph lists 241 fee-only advisors for retirement planning in North Carolina, at 122 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for retirement planning in North Carolina located? Of the 241 fee-only advisors for retirement planning in North Carolina, 52 are in Charlotte, followed by 47 in Raleigh and 15 in Wilmington. ## How do fee-only advisors for retirement planning in North Carolina charge? The most common fee among fee-only advisors for retirement planning in North Carolina is a percentage of assets, used by 85% of the 241 with fees on file. Many use more than one: 54% charge fixed fees and 51% charge by the hour. ## How much do fee-only financial advisors charge in North Carolina? Fee-only financial advisors in North Carolina charge a median of $4,500 a year for ongoing planning. We found this across the published prices of 33 North Carolina firms. ## How much does a one-time financial plan cost in North Carolina? A one-time financial plan from a fee-only firm in North Carolina has a median price of $1,950. We found this across the published prices of 19 North Carolina firms. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the CFP, EA and CPA. In North Carolina, 48% of the 241 advisors listed hold the CFP. - CFP (48% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (1% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (2% of advisors listed): CPAs help with the tax side of withdrawals. ## How do North Carolina advisors for retirement planning compare with the rest of the US? 54% of fee-only advisors for retirement planning in North Carolina charge fixed fees, compared with 47% of the 7,304 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 about retirement planning in North Carolina? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does North Carolina tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in North Carolina? 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 | |---|---|---|---|---| | [Justin May](https://find.wellspent.co/advisors/justin-may.md) | Old Peak Finance | Chapel Hill, North Carolina | CFP, MBA | Flat fee or retainer, Percentage of assets | | [Rupa Pereira](https://find.wellspent.co/advisors/rupa-pereira.md) | FWJ Planning | Raleigh Durham Triangle, North Carolina | CFP, EA | Subscription, One-time planning fee, Hourly | | [Charles Terry](https://find.wellspent.co/advisors/charles-terry.md) | Shepherd Wealth Partners, LLC | Waxhaw, North Carolina | CAP, CFP | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Jordan Vlastuin Vlastuin](https://find.wellspent.co/advisors/jordan-vlastuin-vlastuin.md) | Make the Memory Financial Planning LLC | Clemmons, North Carolina | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Mike Davis](https://find.wellspent.co/advisors/mike-davis.md) | Legs Financial | Greensboro, North Carolina | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Nick Foy](https://find.wellspent.co/advisors/nick-foy.md) | Greenway Wealth Advisors, LLC | Charlotte, North Carolina | CFP | Percentage of assets, Ongoing planning fee | | [Travis Tracy](https://find.wellspent.co/advisors/travis-tracy.md) | Fortitude Financial Planning, LLC | Raleigh, North Carolina | CFP, EA, JD | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Will Revels](https://find.wellspent.co/advisors/will-revels.md) | PieCapital | Raleigh, North Carolina | CEPA, CFA, CFP, MBA | Percentage of assets, One-time planning fee | | [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 | | [Chuck Clifton](https://find.wellspent.co/advisors/chuck-clifton.md) | Sycamore Financial Planning, LLC | Charlotte, North Carolina | CDFA, CFP, MBA | Hourly | | [Deaton Smith](https://find.wellspent.co/advisors/deaton-smith.md) | Thayer Financial | Hickory, North Carolina | CFP, ChFC | Percentage of assets | | [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 | | [Stephan Shipe](https://find.wellspent.co/advisors/stephan-shipe.md) | Scholar Financial Advising | Winston-Salem, North Carolina | CFP, CFA, PhD | Flat fee or retainer | | [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 | | [Aaron Parrish](https://find.wellspent.co/advisors/aaron-parrish.md) | Level Wealth Management LLC | Charlotte, North Carolina | CFP, TPCP | Flat fee or retainer, Ongoing planning fee | | [Deborah Hobart](https://find.wellspent.co/advisors/deborah-hobart.md) | Blue Water Capital Management, LLC | Apex, North Carolina | CFP, CPA | Ongoing planning fee | | [Drew Cook](https://find.wellspent.co/advisors/drew-cook.md) | Level Wealth Management | Charlotte, North Carolina | CFP | Flat fee or retainer, Ongoing planning fee | | [John Underhill](https://find.wellspent.co/advisors/john-underhill.md) | Acorn & Oak Wealth Management LLC | Sanford, North Carolina | CFP | Percentage of assets, Fixed fees | | [Matt Johnson](https://find.wellspent.co/advisors/matt-johnson.md) | Defining Legacy Financial Advisors LLC | Greensboro, North Carolina | CFP | Ongoing planning fee | | [Nicholas Faulkner](https://find.wellspent.co/advisors/nicholas-faulkner.md) | Testament Wealth Management | Cary, North Carolina | CFP | Percentage of assets, Flat fee or retainer | | [Nick Murphy](https://find.wellspent.co/advisors/nick-murphy.md) | Counterweight Private Wealth | Raleigh, North Carolina | CFP, MBA, RICP | Ongoing planning fee | | [Travis Ray](https://find.wellspent.co/advisors/travis-ray.md) | By Design Financial Planning | Greensboro, North Carolina | CFP | Ongoing planning fee, Percentage of assets | | [Erin Campbell](https://find.wellspent.co/advisors/erin-campbell.md) | Beacon Financial Strategies | Raleigh, North Carolina | CFP, CPA/PFS, MBA | Percentage of assets, Ongoing planning fee | | [Jeff Stewart](https://find.wellspent.co/advisors/jeff-stewart.md) | Lucid Wealth Planning LLC | Wake Forest, North Carolina | CFP, CRPC | Percentage of assets, Fixed fees | | [John Sanders](https://find.wellspent.co/advisors/john-sanders.md) | Portus Wealth Advisors | Charlotte, North Carolina | CFP, MBA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Katherine Edwards](https://find.wellspent.co/advisors/katherine-edwards.md) | MainStreet Financial Planning | Raleigh, North Carolina | CFP | Subscription, One-time planning fee, Hourly | | [Mark Kelly](https://find.wellspent.co/advisors/mark-kelly.md) | University Financial Strategies, LLC | Raleigh, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Fuhr](https://find.wellspent.co/advisors/michael-fuhr.md) | Evergreen Wealth Services | Mooresville, North Carolina | CFP | Flat fee or retainer, Ongoing planning fee | | [Niamh Douglas](https://find.wellspent.co/advisors/niamh-douglas.md) | Financial Symmetry, Inc. | Raleigh, North Carolina | CFP, BS, CEPA, BBA, CPWA, CRPC, MBA | Percentage of assets, Hourly, Fixed fees | | [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 | | [William Bissett](https://find.wellspent.co/advisors/william-bissett.md) | Portus Wealth Advisors | Charlotte, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees, Performance-based 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 | | [Edward Fulbright](https://find.wellspent.co/advisors/edward-fulbright.md) | Fulbright Financial Consulting, PA | Durham, North Carolina | CPA/PFS | Ongoing planning fee | | [Logan Collie](https://find.wellspent.co/advisors/logan-collie.md) | Collie Financial Planning, Inc. | Black Mountain, North Carolina | CFP | Percentage of assets, Hourly | | [William Carrington](https://find.wellspent.co/advisors/william-carrington.md) | Carrington Financial Planning, LLC | Fletcher, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Amanda Decesar](https://find.wellspent.co/advisors/amanda-decesar.md) | TARA Wealth | Durham, North Carolina | CFP | Percentage of assets, Flat fee or retainer | | [Charles Feehely](https://find.wellspent.co/advisors/charles-feehely.md) | Charles Michael Financial LLC | Raleigh, North Carolina | CFP, MSFP | Ongoing planning fee, Hourly, Percentage of assets, One-time planning fee | | [Curtis Byrd](https://find.wellspent.co/advisors/curtis-byrd.md) | Onyx Wealth Management | Durham, North Carolina | CFP | Percentage of assets, One-time planning fee, Ongoing planning fee | | [Nicholas O'Kelly](https://find.wellspent.co/advisors/nicholas-o-kelly.md) | Cadence Wealth Partners | Concord, North Carolina | CFP | Flat fee or retainer, Percentage of assets | | [Sean Williams](https://find.wellspent.co/advisors/sean-williams.md) | Cadence Wealth Partners | Concord, North Carolina | CFP | Flat fee or retainer, Percentage of assets | | [Addison Delage](https://find.wellspent.co/advisors/addison-delage.md) | CAPTRUST | Raleigh, North Carolina | CFA, CFP, CPA | Flat fee or retainer, Percentage of assets | | [Alexis Delia](https://find.wellspent.co/advisors/alexis-delia.md) | Tilia Fiduciary Partners | Wilmington, North Carolina | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [Ryan Casey](https://find.wellspent.co/advisors/ryan-casey.md) | Tilia Fiduciary Partners | Wilmington, North Carolina | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [Stephen Reh](https://find.wellspent.co/advisors/stephen-reh.md) | Invest With Steve | Raleigh, North Carolina | CFP, CFA | Percentage of assets | | [Walker Abney](https://find.wellspent.co/advisors/walker-abney.md) | Tilia Fiduciary Partners | Wilmington, North Carolina | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [Austin Moore](https://find.wellspent.co/advisors/austin-moore.md) | TradeWinds | Raleigh, North Carolina | CFP | Percentage of assets, Fixed fees | Showing the first 50 of 241. The full list, page by page: https://find.wellspent.co/specialties/retirement-planning/north-carolina/?page=2 ## Related - [Estate planning in North Carolina](https://find.wellspent.co/specialties/estate-planning/north-carolina.md) - [Tax planning in North Carolina](https://find.wellspent.co/specialties/tax-planning/north-carolina.md) - [Family wealth transfer in North Carolina](https://find.wellspent.co/specialties/family-wealth-transfer/north-carolina.md) - [Retirees in North Carolina](https://find.wellspent.co/audiences/retirees/north-carolina.md) - [Founders in North Carolina](https://find.wellspent.co/specialties/founders-pre-exit/north-carolina.md) - [Pre-retirees in North Carolina](https://find.wellspent.co/audiences/pre-retirees/north-carolina.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).