Cary Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cary Financial Planning provides investment advisory and financial planning services to individuals, families, business owners, and high-net-worth clients. The firm offers discretionary portfolio management (minimum $200,000 for managed accounts) and also provides standalone and project-based financial planning with no asset minimum for planning-only engagements.
The firm follows a long-term, evidence-based approach that emphasizes broad diversification, cost control, tax-aware decisions, and disciplined rebalancing, implemented primarily through mutual funds and ETFs. Cary Financial Planning recently expanded its investment toolkit to include systematic or factor-based funds and uses technology, including AI-assisted tools, to support planning and research while retaining human review of AI outputs.
A notable feature is the firm’s ownership-affiliated law practice, which can provide estate planning, probate, and tax preparation services to clients under separate engagements; that affiliation is disclosed as creating potential conflicts of interest. The firm has disclosed several recent material changes — including a materially revised fee schedule, discontinuation of certain legacy service models, a sharp increase in reported discretionary assets (from roughly $6.0 million in June 2026 to about $30.4 million in July 2026), and a requirement that managed-account clients use a specific custodian that offers a voluntary securities-lending program.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001+: 0.60%
Account minimum: $200,000
Main office
1255 Crescent Green, Suite 200
Cary NC 27518
Advisors at this office
2
Most active in
North Carolina
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Lawyer
They provide legal services, typically billed separately.
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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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 H
CFP®, Series 63, Series 65
Cary, NC
Cary Financial Planning, LLC
Michael Honea is a CFP® professional with 11 years of industry experience. He currently works at Cary Financial Planning, LLC and previously held roles at Members Trust Company, Credit Union Investment Services, and related firms. Cary Financial Planning serves individuals, families, business owners, and high-net-worth clients with investment advisory and financial planning services. The firm employs a long-term, evidence-based investment approach focusing on diversification, cost control, tax awareness, and disciplined rebalancing, utilizing mutual funds, ETFs, and factor-based funds.
Paul Y
Series 65
Cary, NC
Cary Financial Planning, LLC
Paul Yokabitus is a financial advisor at Cary Financial Planning, LLC with four years of industry experience. He holds a Series 65 designation and also serves as an owner and attorney at an estate planning law firm, which he has been involved with since 2018. His prior experience includes roles at Mariner Platform Solutions, NC Planning, and Stephenson Law LLP. Cary Financial Planning provides investment advisory and financial planning services to individuals, families, business owners, and high-net-worth clients. The firm employs a long-term, evidence-based investment approach focused on diversification, cost control, tax awareness, and disciplined rebalancing, utilizing mutual funds, ETFs, and factor-based funds, supported by technology including AI-assisted tools.
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