Sherman Financial gives you direct access to a CFP® who works exclusively for you — paid by the hour, not by commission or portfolio size. Serving clients throughout North Carolina.
We provide the full range of planning services you'd expect from any major firm — at a fraction of the cost, without the conflicts of interest.
Portfolio construction, fund selection, and ongoing review based on your goals and risk tolerance — not our commission schedule.
401(k) optimization, IRA strategy, Social Security timing, and income projections to help you retire on your schedule.
We evaluate your coverage needs and recommend appropriate structures — including term life, disability, and long-term care.
Personal and business tax guidance from a planning perspective, integrated with your broader financial picture.
Coordination of wills, trusts, beneficiary designations, and wealth transfer strategies for a secure legacy.
Practical systems for tracking income and spending, eliminating debt, and building sustainable savings habits.
99% of financial advisors earn money through AUM fees, commissions, or product sales. Their income grows the more you keep invested with them — which means their incentives are never perfectly aligned with yours.
We charge the same way your doctor or attorney does: for time and expertise. You get a clear hourly rate, a time estimate upfront, and advice that's shaped entirely by your situation — not our revenue.
Talk to an AdvisorSimple, transparent, and entirely on your terms.
A free 15-minute call to understand your situation and see if we're a good fit. No commitment, no pitch.
We dig into your financial picture — income, assets, goals, and risk tolerance — to understand your full situation.
You receive a clear, actionable financial plan tailored to your goals — with specific recommendations you can act on.
Annual check-ins keep your plan current as life changes. Engage as little or as much as you need — hourly, always.
Answer 5 questions to find the asset allocation strategy that may be appropriate for your financial needs and objectives.
Diversification does not guarantee against a loss. This is designed as a basic guide and does not substitute discussing your situation with a financial advisor.
See how much AUM fees cost you over time — vs. hourly planning.
Enter your portfolio details to see what traditional AUM pricing costs you over time.
No minimums, no ongoing commitments, no surprises. You pay for what you need, when you need it.
✦ Tax preparation, bookkeeping, accounting, S-Corp election, and business consulting services are available through Sherman Business Services, LLC — a separate entity offering full-service support for individuals and small businesses. Visit Sherman Business Services →
Your life should dictate your finances — not the other way around. We build plans around your goals, values, and circumstances.
We favor low-cost index funds with a select managed component (typically ≤20%) that has demonstrated long-range, risk-adjusted outperformance.
We model conservatively on interest rate assumptions — so you're more likely to have more than expected, not less.
We take a comprehensive, holistic view. Low debt, disciplined saving, and automatic investing are the foundation. From there, we build a strategy that reflects how much risk you're willing to take — and how much you need to take — to reach your goals.
We hold no custodial accounts and take no product commissions. Your investments stay in your name at your chosen custodian — we simply advise. Our only measure of success is yours.
Verify on SEC Adviser InfoReal feedback from real clients. No scripts, no stock photos.
"There is no other person I would trust or respect more to handle my business and personal finances. Not only does Chris provide full service financial management, he offers wisdom and insight that allows you to make the best decisions for your situation to achieve your financial goals. Chris has a wealth of knowledge that made a huge impact in starting my business successfully, combined with his strong personal financial understanding, I recommend him to everyone!"
"Full disclosure, all businesses start off with 4 stars and are adjusted accordingly. If a business is worth driving 2 hours out of their way they earn 5 stars. Chris knows his business and was very clear about rates and services he and his team offers. His communication was very professional and he seemed busy with clients, busy is good. Very good. His fee based system is very transparent and straightforward. His basics are solid and he brought extra value to business discussions."
"I've been working with Sherman Financial for about a decade across both personal and business services. They are great at answering my questions in a way that doesn't make me feel like an idiot. They are also great at getting my tax work done in a timely manner at a fair rate. Highly recommend."
* Testimonials represent individual client experiences and are published with client permission. Results vary. Past experience does not guarantee future outcomes. Sherman Financial, LLC does not pay for or incentivize reviews.
When you work with Sherman Financial, you work directly with Christopher Sherman — a credentialed, independent advisor with no conflicts of interest and no junior associates between you.
Christopher is a Certified Financial Planner with a Master of Public Administration from UNC Chapel Hill and a bachelor's from UC Riverside. He holds a Certificate of Financial Planning from NC State University.
A curated set of tools, guides, and reading material that Chris recommends to clients. No affiliation — just genuinely useful resources.
Plain-language guides on asset allocation, index investing, and retirement planning from one of the industry's most trusted institutions.
Read More →A volunteer-maintained library of evidence-based personal finance and investing guidance. Particularly strong on retirement withdrawal strategies and tax-efficient investing.
Read More →Tools for verifying advisors, understanding investment products, and protecting yourself from fraud. Includes the BrokerCheck database and free investor alerts.
Read More →Official tools for estimating your Social Security benefit, understanding claiming strategies, and modeling the impact of early vs. delayed retirement.
Read More →The IRS's official tool for estimating your federal tax liability and adjusting withholding. Useful for anyone with self-employment income, investment income, or a recent life change.
Read More →A plain-language overview of wills, trusts, powers of attorney, and healthcare directives for North Carolina residents — a good starting point before meeting with an estate attorney.
Read More →Sherman Financial has no affiliation with any of the above organizations and receives no compensation for these referrals. Links are provided as a convenience and educational resource only.
30 minutes. No commitment. No pitch. Just a real conversation about your financial goals.
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Schedule a consultation or send us a message. There's no commitment, no pressure, and no pitch — just straightforward conversation about your goals.
Information on this website does not involve the rendering of personalized investment advice. A professional advisor should be consulted before implementing any of the options presented. No content should be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.
Sherman Financial, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. Check our background on the SEC Adviser Info page.