Carolina Financial Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, market timing, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Carolina Financial Advisors reports 474 clients. They include 427 individual clients, 46 high-net-worth individuals and 1 corporate or other business client. Of its assets, 92.8% ($223M across 1,218 accounts) are managed with discretion; $17.4M across 8 accounts are not. It advised 3 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 90% | 50% |
| High-net-worth individuals | 10% | 49% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 427 | $122M | 50.5% | $285K |
| High-net-worth individuals | 46 | $119M | 49.4% | $2.59M |
| Corporations and other businesses | Fewer than 5 | $261K | 0.1% | $261K |
| Total | 474 | $241M | 100% | — |
- Clients
- 427
- Regulatory AUM
- $122M
- AUM share
- 50.5%
- Avg. per client
- $285K
- Clients
- 46
- Regulatory AUM
- $119M
- AUM share
- 49.4%
- Avg. per client
- $2.59M
- Clients
- Fewer than 5
- Regulatory AUM
- $261K
- AUM share
- 0.1%
- Avg. per client
- $261K
Total
- Clients
- 474
- Regulatory AUM
- $241M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 3
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Carolina Financial Advisors charges 0.50%–2.50% a year for its Investment Management Services. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Individual financial planning
- Individual financial planning is billed at an agreed hourly rate or as a fixed fee, in arrears.
Christopher Jones owns 75% or more of Carolina Financial Advisors. The leadership team of Carolina Financial Advisors includes President Christopher Jones and Chief Compliance Officer Jessica Neisler. It has 7 employees, 4 of them in advisory roles.
Staff
- 7 employees
- 4 in advisory functions
- 4 state-registered reps
- 4 insurance agents
- 1 soliciting firm
- Owns 75% or more of Carolina Financial Advisors, Inc.
Christopher Jones
Control person · since April 2000
Carolina Financial Advisors’ regulatory assets grew 1.5× from $159M (July 2021) to $241M (May 2026); clients fell from 548 to 474 and employees rose from 5 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| May 2026May 2026 | $241M | 474 | 7 | 1 |
| Jun 2025June 2025 | $212M | 622 | 7 | 1 |
| Mar 2024March 2024 | $175M | 400 | 6 | 1 |
| Jul 2023July 2023 | $165M | 463 | 6 | 1 |
| Jul 2022July 2022 | $200M | 623 | 5 | 1 |
| Jul 2021July 2021 | $159M | 548 | 5 | 1 |
Besides its headquarters, Carolina Financial Advisors has 0 offices, with 1 listed address in 1 state.
North Carolina · 1 listed address
- 100 East Lake DR., Suite 100, GreensboroHQ
Contact and registration details
- Legal name
- Carolina Financial Advisors, Inc.
- Headquarters
- 100 East Lake DR., Suite 100, Greensboro, NC 27403
- Phone
- 336-333-0176
- @carolina-financialadvisors-inc
- SEC file
- 801-120773
- Structure
- North Carolina corporation
- Fiscal year end
- December
Carolina Financial Advisors’ named custodians for separately managed accounts are Fidelity ($113M, 51%) and Charles Schwab ($109M, 49%). Carolina Financial Advisors does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $113M51%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $109M49%
At year end, Carolina Financial Advisors’ separately managed accounts were mostly in funds (65%) and stocks (21%).
What the accounts hold
- Stocks21%
- Funds65%
- Bonds7%
- Cash7%
How many clients does Carolina Financial Advisors have?
Carolina Financial Advisors has 474 clients and manages $241 million for them, as of May 2026. They include 427 individual clients, 46 high-net-worth individuals and 1 corporate or other business client.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 May 2026
What services does Carolina Financial Advisors offer?
Carolina Financial Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, market timing, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Carolina Financial Advisors charge?
Carolina Financial Advisors charges 0.50%–2.50% a year for its Investment Management Services. The fee is billed in arrears and is negotiable.
Source: CAROLINA FINANCIAL ADVISORS ADV PART 2A, filed 27 May 2026
Which custodians does Carolina Financial Advisors use?
Carolina Financial Advisors’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $113M and Charles Schwab & Co., Inc. (Westlake, TX), with $109M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 May 2026
How many financial advisors does Carolina Financial Advisors have?
Carolina Financial Advisors has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Carolina Financial Advisors invest in?
At the end of its last fiscal year, Carolina Financial Advisors’ separately managed accounts held 65% registered funds (mutual funds, ETFs, BDCs), 21% exchange-traded equities, 7% U.S. government and agency bonds and 7% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Carolina Financial Advisors?
Carolina Financial Advisors’ direct owner is Christopher Jones (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 27 May 2026
How does Carolina Financial Advisors get paid?
Carolina Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Carolina Financial Advisors?
Carolina Financial Advisors’ main office is at 100 East Lake DR., Suite 100, Greensboro, NC 27403. Its phone number is 336-333-0176. Its website is carolinafinancialadvisors.com.
