Top Financial Advisors in Charlotte, NC

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To open an account with Bragg Financial Advisors, you will need at least $1 million in investable assets, though some accounts require up to a $5 million minimum investment. The firm has Certified Financial Planners™ (CFPs®), chartered financial analysts (CFAs) and certified public accountants (CPAs) and other certifications on staff.

The firm’s client base is largely made up of individuals, nearly half of which have a high net worth. It also serves investment companies, pension and profit-sharing plans, charitable groups and other organizations.

As a fee-based firm, certain on-staff advisors at Bragg Financial can receive commissions for the sale of insurance products. Although this presents a potential conflict of interest, the firm abides by fiduciary duty.

Bragg Financial Advisors Background

Bragg Financial Advisors, Inc. was founded by J. Frank Bragg Jr. in 1997. It is now principally owned by Benton Bragg, Phillips Bragg, John Bragg III and Steve H. Scruggs. The firm’s staff averages about three decades of experience in finance.

Bragg Financial Advisors offers retirement planning, estate planning, higher education planning and individual charitable-giving services. Retirement-minded investors should note that Bragg’s advisors have specific experience working with pension and profit-sharing plans, 401(k) plans and 403(b)s.

Bragg Financial Advisors Strategy

Whether you want to maximize returns or minimize risks, Bragg Financial Advisors, Inc. says it has a portfolio that will match your particular needs. The firm offers clients seven portfolio models to choose from, ranging from a portfolio titled “Aggressive Allocation With Emphasis on Capital Appreciation” to one called “Conservative Allocation With Emphasis on Capital Preservation and Income.”

Bragg relies heavily on its own calculations and research to determine clients’ asset allocations. The firm is consistently focused on the long term and its advisors make investments with the mindset that they will not be sold for at least a year.

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Biltmore Family Office is a fee-only firm, which means its advisors do not receive commissions or other forms of compensation from the sale of products to clients. The firm works mostly with high-net-worth individuals, non-high-net-worth individuals, trusts, estates, foundations and charitable organizations. 

The firm sets a $10,000,000 account minimum.

Biltmore Family Office Background 

The firm was created in 2008 by Chris Cecil, founder, and the operating partners who are Rael Gorelick, Nicole Gerkey and Michael Farrell. The firm provides the following services: financial planning, portfolio management, pension consulting and selection of other, third-party, advisors. 

Biltmore Family Office Investment Strategy 

Biltmore Family Office uses a unique mix of quantitative and qualitative analysis to determine portfolio allocations for its clients. Each client's unique positioning will be determined and the allocation of assets could be across private placement, exchange-traded funds (ETFs), actively managed accounts or direct securities. 

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New Republic Partners offers investment management, advisory, consulting and other services to affiliated pooled investment vehicles, separately managed accounts of various advisory clients and other persons and entities.

The fee-only firm, which handles client assets on both a discretionary and non-discretionary basis, also provides cash management, estate planning, financial planning, philanthropy and charitable giving services to high-net-worth clients.

Professional designations represented on the advisory staff include chartered financial analyst (CFA), chartered alternative investment analyst (CAIA) and more.

New Republic Partners Background

Thomas Hoops, an attorney who founded New Republic Partners, is the firm's CEO and chief operating officer. 

The firm's website lists the John M. Belk Endowment, the M.C. Belk Pilon family interests and the Springs-Close-Bowles family as "founding families." New Republic Partners is owned by NRP, LLC. 

New Republic Partners Investment Strategy

New Republic Partners aims to generate superior long-term investment returns and achieve client objectives with globally diversified portfolios that contain exposures to private markets, that complement public market investments and that include sources of return which are less correlated to traditional asset classes.

The firm, which utilizes both passive and active strategies, generally favors active management within assets classes with the greatest level of inefficiency. Those inefficient asset classes are often characterized by high levels of manager performance dispersion. New Republic Partneers also invests directly in private companies and such ventures typically involve a partnership with a strong management team that needs capital to grow. 

The uses existing manager and company relationships of the firm across a wide range of asset types and sectors in order to:gain access to best-in-class fund managers that have historically been oversubscribed and hard to access, find attractive co-invest opportunities and source proprietary deals. 

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Colony Family Offices is a fee-only advisory firm that has been registered with the SEC since 2013. The firm provides comprehensive financial and investment management services to ultra-high-net-worth families. To work with the firm, a family generally needs a collective account balance of $10 million. 

Colony Family Offices Background 

Colony Family Offices is wholly owned by Eric D. Ridenour, who currently serves as managing director. The Colony Trust Company also exists to focus on providing trust and estate planning services to its clients. 

The home office team includes Certified Financial Planners™ (CFPs®), a chartered financial analyst (CFA), certified public accountants (CPAs) and a chartered alternative investment analyst (CAIA).

Colony Family Offices Investing Strategy 

Colony Family Offices aims to build investment portfolios driven by passive and active passive strategies for long-term growth. But the firm also states, “We will likely recommend and implement tactical allocations in order to seek to capitalize on short-term investment opportunities or defend against market risks or dislocations.”

Based on your needs and goals, the firm may invest your assets in equity, fixed-income, mutual funds or private investments like hedge funds. In addition, the firm can provide the following services separately upon request: 

• Investment policy statement creation and maintenance
• Asset allocation strategies
• Ad hoc investment research
• Consolidated performance reporting

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To be a client of Novare Capital Management, you’ll need at least $500,000 in investable assets. The firm serves individuals with and without a high net worth, as well as pensions, profit-sharing plans, charities and other businesses. The fee-only firm has a number of financially certified individuals on staff, including Certified Financial Planners™ (CFPs®), chartered financial analysts (CFAs), certified public accountants (CPAs) and a chartered financial consultant (ChFC).

Novare Capital Management Background

Novare Capital Management was founded in 1999 by principals William Baynard, Jr. and Don Olmstead. The principal owners are Baynard, Jr., Olmstead and The Baymen Group, LLC.

The firm provides cash flow planning, retirement planning, trust and estate creation, education tuition planning and tax minimization services to individuals, families, businesses and charities.

Novare Capital Management Strategy

Advisors at Novare Capital Management go through a multi-step process to create your financial plan. Throughout this process, you and your advisor will determine your personal goals, risk profile, time horizon, liquidity needs and current financial status. Once all of that is defined, the firm will determine the proper asset allocation for your goals and needs.

Novare Capital Management Strategy says that it believes diversification across multiple asset classes is necessary for long-term success. The firm typically invests its clients’ assets in individual and preferred stocks, bonds, exchange-traded funds (ETFs), mutual funds and master limited partnerships. Novare may also use alternative investments like private equity firms, hedge funds and real estate.

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Carolinas Investment Consulting is a fee-based firm, and it does not have a specific minimum needed to become a client. The firm's advisory team features Certified Financial Planners™ (CFPs®), retirement income certified professional (RICP) and certified public accountants (CPAs).

The firm’s advisors may have the ability to earn commissions or other forms of compensation for the sale of insurance products to clients. This presents a potential conflict of interest. However, the firm’s fiduciary duty legally binds its advisors to always act in your best interest.

Carolinas Investment Consulting Background

George Edmiston, Jr. founded this firm in 2000 and has remained the owner ever since. The firm’s financial advisors average about 20+ years’ experience in personal finance.

Typical clients of the firm include individuals, pension and profit-sharing plans, charitable institutions, foundations, endowments, estates, trusts, and corporations and business entities. The services available to each client vary depending on the clients’ needs. Some of the firm’s principal offerings are retirement planning, succession planning, trust and estate creation and investment management.

Carolinas Investment Consulting Strategy

Carolinas Investment Consulting espouses a long-term investing approach. The firm determines clients’ asset allocations based on this long-term approach and on each client’s individual risk tolerance. Carolinas Investment Consulting also takes liquidity into account, so its clients can earn short-term income alongside anticipated long-term growth.

Laurel Wealth Advisors has a client base that consists mostly of individuals with less than a high net worth, though the firm does do business with high-net-worth investors. Its institutional clients include charitable organizations and corporations.

There is no minimum account size at Laurel. The firm's owners may receive compensation for the recommendation of clients using an affiliated accounting/tax preparation firm called Miller McNeish & Breedlove, P.A. This presents a potential conflict of interest, though the firm abides by fiduciary duty.

Laurel Wealth Advisors Background

Laurel Wealth was founded in 2007. The managing partners are William Sugg IV (chief compliance officer), Mark Thompson, David McNeish and Timothy Breedlove.

The firm’s services include investment strategy, personal investment policy, asset allocation, asset selection, portfolio monitoring and financial planning.

Laurel Wealth Advisors Investment Strategy

Advisors at Laurel use clients' own investor characteristics as a basis for their management of their portfolio. This includes a holistic review of the clients' needs and goals. Specific factors include risk tolerance, time horizon, goals and objectives and more.

MBL Advisors is a fee-based advisory firm registered with the SEC. It provides investment advisory services to the following types of clients: individuals, high-net-worth individuals, trusts, estates, charitable organizations, businesses and retirement plans. To open an account with the firm, clients must have at least $5 million. This minimum may be negotiable based on the discretion of the firm. 

Professional designations across the firm's team include Certified Financial Planner™ (CFP®), chartered life underwriter (CLU), chartered financial consultant (ChFC), accredited estate planner (AEP), registered health underwriter (RHU) and certified investment management analyst (CIMA).

MBL Advisors Background 

MBL Advisors was founded in 2020. The firm is fully owned by The Lockwood Organization, LLC (which is majority-owned by CEO Luther Lockwood), Jonathan Dry, Brian Gift and Billy Morton, all of whom work at the firm.

The firm offers wealth management services, a selection of other advisors, financial planning services and retirement plan consulting services. 

MBL Advisors Investment Strategy 

MBL Advisors uses the following approaches in its investment strategy: macroeconomic analysis, fundamental analysis and technical analysis. 

The firm puts together and executes strategies that are long-term and goal-driven based on clients' particular needs (such as objectives, risk profile, specific tax circumstances, liquidity needs, etc.). The firm strongly believes in using modern portfolio theory (MPT) to maximize expected returns for a given level of risk and/or minimize risk for a given level of expected return. It also makes sure to focus on asset class diversification when building portfolios.

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Providence Capital Advisors is a fee-based firm that was founded in 2015 to provide investment management and financial planning services. The firm works with individuals with and without a high net worth, corporations and small businesses. The firm's minimum is $1.5 million if you're looking for both investment management and financial planning, or $500,000 if you need just investment management.

As a fee-based firm, its advisors may receive a commission for the sale of certain insurance products. This could create a potential conflict of interest but the firm and its advisors are bound by a legal fiduciary duty to put the needs of the client first. 

Providence Capital Advisors Background

The firm was founded in 2015 by Tom Searson, Brian Jones and Stephen Ratcliffe who all still serve as principals of the firm today. The firm now boasts seven advisors on the team and collectively they hold designations such as Certified Financial Planner™ (CFP®), chartered financial analyst (CFA) and certified public accountant (CPA).

Providence Capital Advisors Investment Strategy

The firm will work with each individual client to understand their financial circumstances, investment goals and objectives and to determine their risk tolerance. The investment strategy is built off of understanding these things so every single one is unique. They invest their clients with at least one of their core strategies, which are: 

• Core equity portfolio
• Diversified income portfolio
• Covered call portfolio
• Fixed income portfolio
• Exchange-traded funds (ETFs)

Verum Partners is a fee-only firm, meaning all of its compensation comes from client-paid fees alone. The firm's staff includes six Certified Financial Planners™ (CFP®), two chartered financial analysts (CFAs) and more. There is no set account minimum necessary to become a client of Verum.

On its website, Verum includes its four main client profiles: financial professionals; executives and entrepreneurs; pre-retirees; and multi-generational families. According to its Form ADV, most of its individual client base is comprised of those with a high net worth, as well as some other institutional clients.

Verum Partners Background

Verum Partners was founded in 2018 by founding partners Dustin Barr, Abby Bennett, Oliver Cross, Chris Gammon and Holly Skipper. Today, the firm is owned by a combination of a few different holding entities.

Verum's services include investment management, general financial planning, retirement planning, estate planning, savings planning, education savings and more.

Verum Partners Investing Strategy

Verum Partners works with each client individually to identify their investor characteristics to build an appropriate portfolio for them. These include risk tolerance, financial goals, current financial situation, tax needs and more. Although the firm is open to investing in other investments, it tends to use some combination of mutual funds, ETFs or separately managed accounts (SMAs).