Sanctuary Financial Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 26–50 clients last fiscal year.
Sanctuary Financial Planning reports 44 clients. They include 36 high-net-worth individuals and 8 individual clients. Of its assets, 40.5% ($41.4M across 59 accounts) are managed with discretion; $60.7M across 8 accounts are not. It advised 24 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 18% | 3% |
| High-net-worth individuals | 82% | 97% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 8 | $2.56M | 2.5% | $320K |
| High-net-worth individuals | 36 | $99.6M | 97.5% | $2.77M |
| Total | 44 | $102M | 100% | $2.32M |
- Clients
- 8
- Regulatory AUM
- $2.56M
- AUM share
- 2.5%
- Avg. per client
- $320K
- Clients
- 36
- Regulatory AUM
- $99.6M
- AUM share
- 97.5%
- Avg. per client
- $2.77M
Total
- Clients
- 44
- Regulatory AUM
- $102M
- AUM share
- 100%
- Avg. per client
- $2.32M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 24
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Sanctuary Financial Planning is paid through hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Hourly Financial Planning and Consulting
- Billed hourly at $550 for the two managing principals and $150 for an associate, in six-minute increments.
James Charles owns 50% to 75% of Sanctuary Financial Planning. It has 3 employees, 2 of them in advisory roles.
Staff
- 3 employees
- 2 in advisory functions
- 3 state-registered reps
- Owns 50% to 75% of Sanctuary Financial Planning, LLC
James Charles
Control person · since March 2023
- Owns 50% to 75% of Sanctuary Financial Planning, LLC
Sarah Charles
Control person · since June 2023
Besides its headquarters, Sanctuary Financial Planning has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Sanctuary Financial Planning, LLC
- Headquarters
- Not reported
- Phone
- 704-705-8773
- @sanctuaryfinancialplanning
- SEC file
- 801-136364
- Structure
- North Carolina LLC
- Fiscal year end
- December
Sanctuary Financial Planning’s named custodian for separately managed accounts is Charles Schwab ($102M). Sanctuary Financial Planning has custody of $81.4M for 11 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $102M100%
At year end, Sanctuary Financial Planning’s separately managed accounts were mostly in funds (83%) and stocks (14%).
What the accounts hold
- Stocks14%
- Funds83%
- Bonds2%
- Cash1%
How many clients does Sanctuary Financial Planning have?
Sanctuary Financial Planning has 44 clients and manages $102 million for them, as of September 2026. They include 36 high-net-worth individuals and 8 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 September 2026
What services does Sanctuary Financial Planning offer?
Sanctuary Financial Planning provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Sanctuary Financial Planning use?
Sanctuary Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $102M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 September 2026
How many financial advisors does Sanctuary Financial Planning have?
Sanctuary Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Sanctuary Financial Planning invest in?
At the end of its last fiscal year, Sanctuary Financial Planning’s separately managed accounts held 83% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 2% U.S. government and agency bonds and 1% 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 Sanctuary Financial Planning?
Sanctuary Financial Planning’s direct owners are James Charles (50% to 75%) and Sarah Charles (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 10 September 2026
How does Sanctuary Financial Planning get paid?
Sanctuary Financial Planning is paid through 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 Sanctuary Financial Planning?
Its phone number is 704-705-8773. Its website is sanctuaryfinancialplanning.com.
