Cary, NC Office

Intercarolina Financial Services, Inc. provides investment advisory and retirement plan consulting to individual clients (including high‑net‑worth individuals) and to qualified retirement plans, offering portfolio management for personal accounts and services for pension, profit‑sharing, 403(b), 404(c) and 401(k) plans. The firm also participates in wrap fee programs and may recommend or engage third‑party account managers for client assets.

The firm develops individualized investment policies through interviews and questionnaires and employs fundamental, technical, and cyclical analysis to allocate across individual equities, fixed income, mutual funds and ETFs, using both long‑ and short‑term strategies. Accounts are managed on both discretionary and non‑discretionary bases, with the large majority of client assets reported as non‑discretionary ($120,227,689 non‑discretionary vs. $10,522,775 discretionary as of 12/31/2024).

Distinctive features include an affiliated FINRA‑registered broker‑dealer and an affiliated insurance agency, with several personnel registered as broker‑dealers and insurance agents; the firm reports spending a substantial portion of its time on broker‑dealer activities while stating policies to limit conflicts (for example, prohibiting receipt of broker commissions on advisory accounts). The firm operates multiple offices (nine) and participates in third‑party wrap programs, and it deducts advisory fees through custodians (resulting in limited custody of client cash held under NASAA safeguards).