Cary Financial Planning, LLC

Updated today

Find your advisor

Client assets under management

$26,862,648

Clients

46% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$1,119,277

About

Cary Financial Planning, LLC provides investment advisory, wealth management, and financial planning services to individuals, high-net-worth clients, families, and business owners. The firm operates as a fee-only fiduciary and, according to its Form ADV, reported about $26.9 million in discretionary client assets as of December 2025.

The firm’s investment approach is Bogleheads-inspired, emphasizing low-cost, passive exposure through diversified index funds and ETFs, tax efficiency, periodic rebalancing, and ongoing monitoring tailored to client risk tolerance. Cary Financial commonly manages client accounts on a discretionary basis and uses custodial and account-linking tools (Altruist and RightCapital) to consolidate and monitor outside assets for planning purposes.

Cary Financial’s brochure discloses a few features that are atypical for similarly sized supported firms: the organization maintains multiple office locations (five offices in its profile) and has common ownership with a sister estate and wealth-planning law firm, a relationship the firm discloses and treats as a potential conflict while noting clients are not required to use the law firm. The brochure also highlights a relatively small active client base relative to assets under management, legacy client transition arrangements that grandfather prior terms, and a firm policy against recommending ESG funds or cryptocurrencies such as Bitcoin.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Roth conversion strategy Social Security optimization Medicare planning Cash flow / budgeting

Occupation focus

Founder/Business Owner Executive

Demographic focus

Mid-Career Professionals

Fee options

Fixed

Financial planning project fees from $500 to $50,000, half payable upfront and half at delivery

Other

Account minimum: $200,000 for Investment Management service; $600,000 for Wealth Management service Fee-only: Stand-alone financial planning fees range from $500 to $50,000, paid as a flat fee

Main office location

Cary Financial Planning, LLC

1255 Crescent Green, Suite 200

Cary NC 27518, United States

Number of offices

Most active in

North Carolina

Disclosures

Business activities & affiliations

Is active or affiliated with:

Lawyer

They provide legal services, typically billed separately.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

919-694-6945

Advisors at this firm

Katherine B

CFP®, Series 66

Cary, NC

Cary Financial Planning, LLC

Katherine Brosnan is a CFP® and holds a Series 66 license, currently serving as an advisor at Cary Financial Planning, LLC. She has one year of industry experience, with prior roles including work at Carolina Angel Network and Futures Inc. Cary Financial Planning, LLC provides investment advisory, wealth management, and financial planning services to individuals, high-net-worth clients, families, and business owners. The firm follows a Bogleheads-inspired investment approach focused on low-cost, passive strategies using diversified index funds and ETFs, with an emphasis on tax efficiency and periodic rebalancing.

General retirement planning Roth conversion strategy Social Security optimization Medicare planning Cash flow / budgeting Founder/Business Owner Executive Mid-Career Professionals

Michael H

CFP®, Series 63, Series 65

Cary, NC

Cary Financial Planning, LLC

Michael Honea is a CFP® professional at Cary Financial Planning, LLC with 11 years of industry experience. He has worked at Members Trust Company and several affiliated firms, including Credit Union Investment Services and Secu Brokerage Services, before joining Cary Financial Planning. Cary Financial Planning, LLC provides investment advisory, wealth management, and financial planning services to individuals, high-net-worth clients, families, and business owners. The firm follows a Bogleheads-inspired investment approach focused on low-cost, passive strategies using diversified index funds and ETFs, tax efficiency, and ongoing portfolio monitoring.

General retirement planning Roth conversion strategy Social Security optimization Medicare planning Cash flow / budgeting Founder/Business Owner Executive Mid-Career Professionals

Paul Y

Series 65

Cary, NC

Cary Financial Planning, LLC

Paul Yokabitus is a financial advisor at Cary Financial Planning, LLC with three years of industry experience. He holds a Series 65 designation and has a background in estate and tax planning law, operating his own law firms including Yokabitus Law, PLLC and Yokabitus & Lundberg, PLLC. Outside of financial advising, he is involved in legal marketing through Discovery Legal Marketing, LLC. Cary Financial Planning, LLC provides investment advisory, wealth management, and financial planning services to individuals, high-net-worth clients, families, and business owners. The firm employs a Bogleheads-inspired investment approach focused on low-cost, passive index funds and ETFs, tax efficiency, and ongoing portfolio monitoring tailored to client risk tolerance.

General retirement planning Roth conversion strategy Social Security optimization Medicare planning Cash flow / budgeting Founder/Business Owner Executive Mid-Career Professionals

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support