Flip Flops and Pearls Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Flip Flops and Pearls Financial Planning serves individual and high‑net‑worth clients, as well as trusts, estates, charitable organizations and small businesses, providing fee‑only wealth management alongside subscription, project‑based, and hourly financial planning. The firm reports approximately $28.4 million in discretionary assets under management and a small, boutique client base of about 15 households served by two advisors.
The firm’s investment approach is grounded in modern portfolio theory and predominantly passive investment management, combining strategic asset‑allocation targets with occasional tactical adjustments and attention to costs and tax implications. Clients engage in a collaborative planning process that can include comprehensive financial plans, ongoing portfolio supervision, and use of Schwab custody and, for lower‑balance accounts, an automated model platform (Schwab’s Institutional Intelligent Portfolios).
Compared with peers, Flip Flops and Pearls discloses several uncommon features in its materials: its website and marketing include client testimonials and endorsements and reference third‑party ratings, and the brochure notes a recent disclosure about subscription planning fees (monthly fees capped at $2,500). The firm also documents a wide range of fee arrangements—from hourly work to project fees up to $50,000 and an upfront onboarding charge for subscription clients—and relies on custodial statements rather than issuing separate written investment reports for wealth management clients.
Client services
Expertise
Demographic focus
Fee options
Project-Based Financial Planning fees range from $5,000 to $50,000, negotiable; Subscription Financial Planning includes an upfront fee ($2,000 to $10,000) plus monthly fees ($750 to $2,500)
$0 - $500,000: 1.50% $500,001 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.90% $5,000,001+: 0.50%
Up to $500 per hour, negotiable
Subscription Financial Planning monthly fee from $750 up to $2,500 per month
Account minimum: $500,000 Minimum fee: $7,500 per household for Wealth Management Fee-only: Wealth Management, Subscription Financial Planning, Project-Based Financial Planning, Hourly Financial Planning (all fee-only, no commissions)
Main office
1007 Johnnie Dodds Boulevard, Suite 135
Mount Pleasant SC 29464
Advisors at this office
2
Most active in
South Carolina
Also doing business as
Flip Flops And Pearls Financial Planning · Flip Flops And Pearls, LLC
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
Quick links
Advisors at this firm
Theodore F
Series 65
Mount Pleasant, SC
Flip Flops and Pearls Financial Planning
Theodore Fairchild is a financial advisor at Flip Flops and Pearls, LLC in Mount Pleasant, SC. He holds a Series 65 designation and has one year of industry experience. Prior to joining the firm, he worked in marketing and spent several years at Sol Surfers. Flip Flops and Pearls is a fee-only advisory firm serving individuals, trusts, estates, charitable organizations, and small businesses. The firm employs a fiduciary, collaborative approach and utilizes primarily passive investment strategies grounded in Modern Portfolio Theory, while offering a mix of bespoke planning and technology-enabled solutions.
Reggie F
CFP®
Mount Pleasant, SC
Flip Flops and Pearls Financial Planning
Reggie Fairchild, CFP®, is the founder of Flip Flops and Pearls, a fee-only financial planning firm in Charleston. With a background in high-growth technology, entrepreneurship, and real estate, Reggie brings a thoughtful, creative approach to helping professionals make confident financial decisions aligned with their values. After leaving the fast pace of Washington, D.C. for Charleston in 2003, Reggie reshaped his own definition of success—an experience that continues to inform his planning philosophy of enjoying life today while preparing intentionally for the future. Flip Flops and Pearls serves high-achieving professionals, business owners, and families who want their money to support a life well lived, not just a balance sheet. Our clients are busy, thoughtful people navigating complex financial decisions and life transitions, from retirement and investments to taxes and long-term planning. As a fee-only firm, we work exclusively for our clients and do not earn commissions or sell products. Our comprehensive approach goes beyond portfolios, helping clients prioritize their time, energy, and resources so their wealth supports both their ambitions and their lifestyle. Life brings change, opportunity, and complexity. Our role is to act as a steady guide—bringing clarity, structure, and calm—so clients can move forward with confidence and enjoy the journey along the way.
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