Carolina Financial Services Group, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses, managing roughly $40 million for about 100 clients with a single adviser on staff. It does not impose a formal account minimum and offers ongoing portfolio management alongside retirement-planning consultations.
CFSG delivers both discretionary and non-discretionary portfolio management using fundamental, technical, and cyclical analysis and employs portfolio-monitoring tools to review accounts; it also participates in an Active401k retirement program in which Q3 Advisors, LLC is the third‑party program provider and is granted discretion to implement plan allocations. The firm charges asset-based advisory fees (a common practice among peers), uses a custodian relationship for trade execution and custody, and provides quarterly custodian reporting to clients.
Noteworthy distinctions include that, unlike most supported peers, the firm does not serve high‑net‑worth individuals, and its adviser(s) are licensed insurance agents who may earn separate commission income from insurance sales—a conflict of interest the brochure discloses. The firm also does not vote client proxies (clients receive and vote their own proxies), and the principal discloses outside business activities (a consulting business and passive property interests) in the brochure.
Client services
Expertise
Fee options
Retirement Planning services: fixed quarterly fee $75-$100 or annual flat fee $300-$400 per account
$0+: 1% annually for Equities Portfolio $0+: 0.50% annually for Fixed Income Portfolio $0+: 0.75% annually for combined Equities and Fixed Income Portfolio
Independent insurance agents affiliated with firm earn commissions on selling insurance products, separate and in addition to advisory fees
Fee-only: Fees are based on percentage of assets under management; no commissions for advisory fees
Main office
905 B Conference Drive
Greenville NC 27858
Advisors at this office
2
Most active in
North Carolina
Also doing business as
Carolina · Carolina Financial Services Group · Carolina Financial Services Group, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Michael O
Series 63, Series 65
Greenville, NC
Carolina Financial Services Group, Inc.
Michael Owens is a financial advisor at Carolina Financial Services Group, Inc. in Greenville, NC, with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Carolina Financial Services Group since 2007. Owens also operates as an insurance agent, engaging in insurance product sales and services. Carolina Financial Services Group provides fee-based financial planning and portfolio management to individuals, trusts, estates, charitable organizations, small businesses, and retirement plan participants. The firm’s investment approach incorporates fundamental, technical, and cyclical analysis tailored to clients’ profiles, with services that include discretionary and non-discretionary management, retirement-plan advisory, and estate-related advice.
Cameron E
Series 63, Series 65
Greenville, NC
Carolina Financial Services Group, Inc.
Cameron Evans is a financial advisor at Carolina Financial Services Group, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms, including Foundations Investment Advisors LLC and Coppell Advisory Solutions, LLC. He also serves as president of Evans Wealth & Asset Management, Inc., providing financial advisory services and insurance products. Carolina Financial Services Group offers investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $40 million for around 100 clients, providing discretionary and non-discretionary portfolio management using fundamental, technical, and cyclical analysis without a formal account minimum.
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