# Financial advisors for retirement planning in Charlotte, North Carolina > For retirement planning in Charlotte, 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 Drew Waterbury of Ocean Advisors, Chris Woods of Silvis Financial and Tammy Goodman of Tammy Goodman Financial, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/north-carolina/charlotte/ 52 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 Charlotte? For retirement planning in Charlotte, 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 Drew Waterbury of Ocean Advisors, Chris Woods of Silvis Financial and Tammy Goodman of Tammy Goodman Financial, LLC. - [Drew Waterbury](https://find.wellspent.co/advisors/drew-waterbury/), Ocean Advisors, Charlotte City. Holds the CFP. Fees on file: hourly, 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. - [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. - [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. - [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. - [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. ## How many fee-only financial advisors in Charlotte work on retirement planning? The Wellspent public graph lists 52 fee-only advisors for retirement planning in Charlotte, at 33 firms. We counted every advisor record that lists this work, as of November 2026. ## How do fee-only advisors for retirement planning in Charlotte charge? The most common fee among fee-only advisors for retirement planning in Charlotte is a percentage of assets, used by 77% of the 52 with fees on file. Many use more than one: 52% charge fixed fees and 48% 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 retirement planning have? For retirement planning, look for the CFP. In Charlotte, 56% of the 52 advisors listed hold the CFP. - CFP (56% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. ## How do Charlotte advisors for retirement planning compare with the rest of the US? 56% of fee-only advisors for retirement planning in Charlotte hold the CFP, compared with 46% 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 Charlotte? - 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 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 | | [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 | | [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 | | [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 | | [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 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 | | [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 | | [Lisa Bowers](https://find.wellspent.co/advisors/lisa-bowers.md) | RPO Wealth Partners | Charlotte, North Carolina | CFP | Fixed fees | | [Thomas Bengtson](https://find.wellspent.co/advisors/thomas-bengtson.md) | Lakeshore Advisors | Charlotte, North Carolina | CFP | Percentage of assets | | [Alixandria Tucci](https://find.wellspent.co/advisors/alixandria-tucci.md) | PCM Encore | Charlotte, North Carolina | CFP | Percentage of assets, Fixed fees | | [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 | | [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 | | [Robert Higgins](https://find.wellspent.co/advisors/robert-higgins.md) | Dalton Financial | Charlotte, North Carolina | CFP, ChFC | 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 | | [Trigg Williamson](https://find.wellspent.co/advisors/trigg-williamson.md) | Advisor.com | Charlotte, North Carolina | | Flat fee or retainer, Percentage of assets, Ongoing planning fee | | [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 | | [Jeffrey Martin](https://find.wellspent.co/advisors/jeffrey-martin-7327812.md) | RPO Wealth Partners | Charlotte, North Carolina | | Fixed fees | | [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 | | [Glen McLaughlin](https://find.wellspent.co/advisors/glen-mclaughlin.md) | Buoyant Financial | 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 | | [Randall Newton](https://find.wellspent.co/advisors/randall-newton.md) | Eagle Wealth Management Group | Charlotte, North Carolina | | Percentage of assets | Showing the first 50 of 52. The full list, page by page: https://find.wellspent.co/specialties/retirement-planning/north-carolina/charlotte/?page=2 ## Related - [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) - [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).