# Financial advisors for small business owners in North Carolina > For small business owners in North Carolina, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Addison Delage of CAPTRUST, Travis Tracy of Fortitude Financial Planning, LLC and Justin May of Old Peak Finance. Page: https://find.wellspent.co/specialties/small-business-owners/north-carolina/ 76 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a small business owner in North Carolina? For small business owners in North Carolina, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Addison Delage of CAPTRUST, Travis Tracy of Fortitude Financial Planning, LLC and Justin May of Old Peak Finance. - [Addison Delage](https://find.wellspent.co/advisors/addison-delage/), CAPTRUST, Raleigh. Holds the CPA and CFP. Fees on file: flat fee or retainer, percentage of assets. - [Travis Tracy](https://find.wellspent.co/advisors/travis-tracy/), Fortitude Financial Planning, LLC, Raleigh. Holds the EA and CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Justin May](https://find.wellspent.co/advisors/justin-may/), Old Peak Finance, Chapel Hill. Holds the CFP. Fees on file: flat fee or retainer, percentage of assets. - [Stephen Reh](https://find.wellspent.co/advisors/stephen-reh/), Invest With Steve, Raleigh. Holds the CFP. Fees on file: percentage of assets. - [Carlton Davis](https://find.wellspent.co/advisors/carlton-davis/), Realm Investment Consulting, Cary. Holds the CFP. Fees on file: percentage of assets. - [Stephan Shipe](https://find.wellspent.co/advisors/stephan-shipe/), Scholar Financial Advising, Winston-Salem. Holds the CFP. Fees on file: flat fee or retainer. ## How many fee-only financial advisors in North Carolina work with small business owners? The Wellspent public graph lists 76 fee-only advisors for small business owners in North Carolina, at 52 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for small business owners in North Carolina located? Of the 76 fee-only advisors for small business owners in North Carolina, 12 are in Charlotte, followed by 11 in Raleigh and 5 in Chapel Hill. ## How do fee-only advisors for small business owners in North Carolina charge? The most common fee among fee-only advisors for small business owners in North Carolina is a percentage of assets, used by 89% of the 76 with fees on file. Many use more than one: 47% charge fixed fees and 42% 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 small business owners have? For small business owners, look for the CPA, EA and CFP. In North Carolina, 47% of the 76 advisors listed hold the CFP. - CPA (3% of advisors listed): CPAs understand entity structure and business books. - EA (1% of advisors listed): Enrolled agents help with owner pay and business tax. - CFP (47% of advisors listed): The CFP keeps the business in the wider plan. ## How do North Carolina advisors for small business owners compare with the rest of the US? 42% of fee-only advisors for small business owners in North Carolina charge by the hour, compared with 48% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does North Carolina tax income on top of federal tax? Yes. North Carolina has a state income tax, so a financial plan for a North Carolina resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in North Carolina? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for North Carolina tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners 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 | | [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 | | [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 | | [Deaton Smith](https://find.wellspent.co/advisors/deaton-smith.md) | Thayer Financial | Hickory, North Carolina | CFP, ChFC | Percentage of assets | | [Evan Luongo](https://find.wellspent.co/advisors/evan-luongo.md) | NoDa Wealth Management | Charlotte, North Carolina | CFP | One-time planning fee, Percentage of assets | | [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 | | [John Underhill](https://find.wellspent.co/advisors/john-underhill.md) | Acorn & Oak Wealth Management LLC | Sanford, North Carolina | CFP | Percentage of assets, Fixed fees | | [Nicholas Faulkner](https://find.wellspent.co/advisors/nicholas-faulkner.md) | Testament Wealth Management | Cary, North Carolina | CFP | Percentage of assets, Flat fee or retainer | | [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 | | [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 | | [Stephen Reh](https://find.wellspent.co/advisors/stephen-reh.md) | Invest With Steve | Raleigh, North Carolina | CFP, CFA | Percentage of assets | | [Bert Bennett](https://find.wellspent.co/advisors/bert-bennett.md) | West Fork Wealth Management | Chapel Hill, North Carolina | CFP | Percentage of assets | | [Carlton Davis](https://find.wellspent.co/advisors/carlton-davis.md) | Realm Investment Consulting | Cary, North Carolina | CFP, CFA | Percentage of assets | | [John Fleming](https://find.wellspent.co/advisors/john-fleming.md) | Vandalia Wealth | Greenville, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Kothakota](https://find.wellspent.co/advisors/michael-kothakota.md) | WolfBridge Wealth | Durham, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Roger Elmer](https://find.wellspent.co/advisors/roger-elmer.md) | Realm Investment Consulting | Cary, North Carolina | CFP, CFA | Percentage of assets | | [Thomas Bengtson](https://find.wellspent.co/advisors/thomas-bengtson.md) | Lakeshore Advisors | Charlotte, North Carolina | CFP | Percentage of assets | | [William Bunch](https://find.wellspent.co/advisors/william-bunch.md) | Maze Financial Planning | Chapel Hill, North Carolina | CFP | Percentage of assets, Hourly | | [Allison Miller](https://find.wellspent.co/advisors/allison-miller.md) | Armor Investment Advisors | Raleigh, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [David McDougall](https://find.wellspent.co/advisors/david-mcdougall.md) | Highwind Wealth Management | Raleigh, North Carolina | CFP | Percentage of assets, Fixed fees | | [Graham Shepherd](https://find.wellspent.co/advisors/graham-shepherd.md) | Armor Investment Advisors | Raleigh, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [John Purrington](https://find.wellspent.co/advisors/john-purrington.md) | Armor Investment Advisors | Raleigh, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Joshua Bailey](https://find.wellspent.co/advisors/joshua-bailey.md) | Muirfield Wealth Advisors | Charlotte, North Carolina | CFP | Percentage of assets, Fixed fees | | [Matthew Miller](https://find.wellspent.co/advisors/matthew-miller.md) | Armor Investment Advisors | Raleigh, North Carolina | CFP | Percentage of assets, Hourly, Fixed fees | | [Philip Bailey](https://find.wellspent.co/advisors/philip-bailey.md) | Muirfield Wealth Advisors | Charlotte, North Carolina | CFP | Percentage of assets, Fixed fees | | [Ryan Glover](https://find.wellspent.co/advisors/ryan-glover.md) | Tarheel Advisors | Chapel Hill, North Carolina | CFP | Percentage of assets | | [Walter Hinson](https://find.wellspent.co/advisors/walter-hinson.md) | Tarheel Advisors | Chapel Hill, North Carolina | CFP | Percentage of assets | | [Bradley Kucharo](https://find.wellspent.co/advisors/bradley-kucharo.md) | Kucharo Wealth | Charlotte, North Carolina | CFP | Percentage of assets, Fixed fees | | [Bryan Llewellyn](https://find.wellspent.co/advisors/bryan-llewellyn.md) | Llewellyn Financial | Charlotte, North Carolina | | Ongoing planning fee, One-time planning fee, Percentage of assets | | [Bryan Smith](https://find.wellspent.co/advisors/bryan-smith.md) | Infinite Wealth Advisors | Mooresville, 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 | | [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 | | [David Powell](https://find.wellspent.co/advisors/david-powell.md) | Powell Wealth | Cornelius, North Carolina | ChFC | Percentage of assets, Hourly, Fixed fees | | [James Gorzynski](https://find.wellspent.co/advisors/james-gorzynski.md) | Certified Exit Planners | Charlotte, North Carolina | | One-time planning fee, Flat fee or retainer | | [Michael Kelly](https://find.wellspent.co/advisors/michael-kelly.md) | Canopy Financial Solutions | Sanford, North Carolina | ChFC | Percentage of assets, Hourly, Fixed fees | | [Sean Gilsenan](https://find.wellspent.co/advisors/sean-gilsenan.md) | Whitener Capital Management | Cary, North Carolina | CFP | Percentage of assets, Hourly | | [Craig Harvey Field](https://find.wellspent.co/advisors/craig-harvey-field.md) | Alluvial Wealth Management | Matthews, North Carolina | | Percentage of assets, Fixed fees | | [Dorsey Tyndall](https://find.wellspent.co/advisors/dorsey-tyndall.md) | Vandalia Wealth | Greenville, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Ryan Hill](https://find.wellspent.co/advisors/ryan-hill.md) | Brock Hill Wealth Management | Wilmington, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Adam Oates](https://find.wellspent.co/advisors/adam-oates.md) | Peak Planning Group | Raleigh, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Caleb Rich](https://find.wellspent.co/advisors/caleb-rich.md) | PracticeCFO | Swansboro, North Carolina | | Percentage of assets, Fixed fees | | [Charles Powell](https://find.wellspent.co/advisors/charles-powell.md) | Powell Wealth | Cornelius, North Carolina | | Percentage of assets, Hourly, Fixed fees | | [Donald Button](https://find.wellspent.co/advisors/donald-button.md) | Button & Button Wealth Management | Greensboro, North Carolina | | Percentage of assets, One-time planning fee | | [Jackson Wilson](https://find.wellspent.co/advisors/jackson-wilson.md) | Mauney-Pitt Financial Management | Shelby, North Carolina | | Percentage of assets | Showing the first 50 of 76. The full list, page by page: https://find.wellspent.co/specialties/small-business-owners/north-carolina/?page=2 ## Related - [Retirement planning in North Carolina](https://find.wellspent.co/specialties/retirement-planning/north-carolina.md) - [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) ## 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).