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Best Charlotte, North Carolina Financial Planners

Choosing the Right Financial Planner in Charlotte

When it comes to managing your finances, finding the right financial planner is crucial. In Charlotte, North Carolina, several highly reputable firms offer comprehensive financial planning services to help you achieve your financial goals. Here, we’ll explore what to look for in a financial planner, the credentials that matter, and highlight some of the best financial planners in Charlotte based on Yelp reviews and other reputable sources.

What to Look For in a Financial Planner

Selecting a financial planner involves several key considerations:

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  1. Credentials and Certifications: Ensure your planner holds relevant certifications such as Certified Financial Planner (CFP®) or Chartered Financial Analyst (CFA). These designations indicate a high level of expertise and commitment to ethical standards.
  2. Fee Structure: Understand how your planner charges for services. Common fee structures include fee-only, fee-based, and commission-based. Fee-only planners charge a flat fee or hourly rate, ensuring unbiased advice.
  3. Services Offered: Look for planners who offer a range of services tailored to your needs, including retirement planning, tax planning, estate planning, and investment management.
  4. Experience and Reputation: Check reviews and testimonials to gauge the planner’s track record. Experienced planners with positive client feedback are often more reliable.
  5. Personal Fit: Financial planning is a personal process. Ensure you feel comfortable and confident in your planner’s ability to understand and address your financial goals.
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Credentials to Look For

When vetting financial planners, pay attention to the following credentials:

  • Certified Financial Planner (CFP®): This designation requires rigorous education, examination, experience, and adherence to ethical standards.
  • Chartered Financial Analyst (CFA): Known for investment management expertise, CFAs undergo extensive training and testing.
  • Certified Public Accountant (CPA): CPAs are valuable for their tax planning and accounting expertise.
  • Accredited Financial Counselor (AFC): Focuses on financial education and counseling.

These credentials ensure that your planner is equipped with the knowledge and skills necessary to provide comprehensive financial advice.

Highlighted Financial Planners in Charlotte

Carroll Financial Associates

Carroll Financial Associates, one of the longest-standing investment firms in Charlotte, offers a wide range of financial planning services. Their team includes 26 Certified Financial Planners who adhere to high standards of professionalism. They specialize in retirement planning, elder care planning, and investment management, focusing on simplicity and client understanding.

  • Address: 4201 Congress St, Suite 210, Charlotte, NC 28209
  • Assets Managed: $2.46 Billion
  • Fee Structure: Fee-Based
  • Minimum Assets: Varies
  • Website: Carroll Financial Associates
  • Yelp Reviews: Highly rated for their comprehensive services and client communication.

Novare Capital Management

Novare Capital Management provides personalized wealth and investment management services, focusing on tailored financial plans that consider tax implications and investment diversification. Their services include retirement planning, charitable giving, and estate planning, with a minimum asset requirement of $500,000.

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  • Address: 521 East Morehead St, Suite 510, Charlotte, NC 28202
  • Assets Managed: $979 Million
  • Fee Structure: Fee-Only
  • Minimum Assets: $500,000
  • Website: Novare Capital Management
  • Yelp Reviews: Known for their attentive service and thorough investment strategies.
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Worth Advisors

Worth Advisors specializes in investment advice and comprehensive financial planning, catering primarily to high-net-worth individuals and businesses. Their services include tax planning, risk management, and a unique CoachNetWorth Platform designed for college coaches.

  • Address: Charlotte, NC
  • Fee Structure: Varies
  • Website: Worth Advisors
  • Yelp Reviews: Praised for their customized plans and client-centric approach.

Modera Wealth Management

Modera Wealth Management offers a range of services, including investment management, financial planning, trust and estate services, and tax planning. They emphasize a fee-only structure, ensuring unbiased financial advice tailored to each client’s unique situation.

  • Address: 6101 Carnegie Blvd, Suite 220, Charlotte, NC 28209
  • Assets Managed: Varies
  • Fee Structure: Fee-Only
  • Website: Modera Wealth Management
  • Yelp Reviews: Highly regarded for their fiduciary responsibility and client-first approach.

Table of Financial Planners in Charlotte

Financial Planner Address Assets Managed Fee Structure Minimum Assets Website
Carroll Financial 4201 Congress St, Suite 210 $2.46 Billion Fee-Based Varies Carroll Financial Associates
Novare Capital Management 521 East Morehead St, Suite 510 $979 Million Fee-Only $500,000 Novare Capital Management
Worth Advisors Charlotte, NC Varies Varies N/A Worth Advisors
Modera Wealth Management 6101 Carnegie Blvd, Suite 220 Varies Fee-Only $1 Million Modera Wealth Management

Tammy Goodman Financial

Tammy Goodman Financial, LLC is an independent firm providing a mentorship-style approach to financial guidance. Tammy Goodman, a Certified Financial Planner™, focuses on integrating all facets of personal finances into a holistic plan. Her services are particularly geared towards mid-career professionals seeking comprehensive financial advice.

  • Address: P.O. Box 12752, Charlotte, NC 28220
  • Fee Structure: Fixed-Fee
  • Website: Tammy Goodman Financial
  • Yelp Reviews: Known for personalized and collaborative financial planning.
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Calamita Wealth Management

Calamita Wealth Management offers a comprehensive approach to financial planning, leveraging local market knowledge to provide personalized strategies for investment, retirement, tax, and estate planning. They emphasize transparent communication and tailored financial solutions.

  • Address: Charlotte, NC
  • Fee Structure: Varies
  • Website: Calamita Wealth Management
  • Yelp Reviews: Clients appreciate their in-depth understanding of the local market and personalized service.

Bragg Financial Advisors

Bragg Financial Advisors is an independent, fee-based wealth advisory firm with over 60 years of experience. They provide planning advice and portfolio management for high-net-worth families, business owners, and institutions, focusing on making good financial decisions.

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  • Address: Charlotte, NC
  • Assets Managed: $3.3 Billion
  • Fee Structure: Fee-Based
  • Website: Bragg Financial Advisors
  • Yelp Reviews: Renowned for their commitment to client service and community involvement.

Conclusion

Choosing the right financial planner in Charlotte involves careful consideration of credentials, fee structures, services offered, experience, and personal fit. The highlighted financial planners in this article, including Carroll Financial Associates, Novare Capital Management, Worth Advisors, Modera Wealth Management, Tammy Goodman Financial, Calamita Wealth Management, and Bragg Financial Advisors, represent some of the best options available. By thoroughly evaluating these aspects, you can find a financial planner who aligns with your goals and can guide you towards financial success.

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