Clear advice for complex wealth.
WMT Financial is an independent, fee-only fiduciary. We plan, invest, and coordinate every part of your financial life.
One team for every part of your financial life.
Each discipline is led by a credentialed specialist who joins your meetings, so advice stays coordinated and nothing is handed off to a call center.
Financial planning
A living plan for cash flow, taxes, retirement, education, and estate, updated as your life changes.
Investment management
Low-cost, globally diversified portfolios built around your goals and your tax situation.
Retirement income
Turning decades of saving into a reliable paycheck, with Social Security and pension timing built in.
Tax and estate coordination
We work directly with your CPA and attorney so nothing falls through the gap between them.
Business owner advisory
Exit planning, succession, and key-person strategies for owners whose company is their largest asset.
How we work
No sales pitch and no product quotas. A written plan comes before any recommendation, and the same advisor stays with you year after year.
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Discovery
Two meetings to understand what you own, what you owe, and what you want your money to do.
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Plan and portfolio
You receive a written financial plan and an investment policy statement before a single dollar moves.
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Ongoing stewardship
Quarterly reviews, rebalancing, tax-loss harvesting, and a direct line to your advisor between meetings.
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Annual coordination
We brief your CPA and estate attorney each year so your plan, your tax return, and your documents agree.
Independent since 2004. Fiduciary to every client, every day.
WMT Financial was founded by three advisors who left a national brokerage to build a firm without sales quotas. We are paid only by our clients, so our advice is never tied to a product.
Today a team of twelve serves about 340 families from offices in Charlotte and Raleigh. Most new clients arrive by referral, and most stay for decades.
Start with a conversation.
A 30-minute introductory call, at no cost and with no obligation. We will tell you plainly whether we are the right fit.
Schedule a callCharlotte and Raleigh, North Carolina