Personal Financial Advisor Salary in Charlotte, NC
Personal Financial Advisors in the Charlotte-Concord-Gastonia, NC-SC metro area earn a median $99,440 a year — 5% less than the national median. After 2026 taxes, that is $75,327 take-home, or $6,277 a month.
Take-home pay calculator
Pre-filled with the median personal financial advisor salary in Charlotte, NC. Enter your own offer to see your paycheck.
- Federal income tax$13,047
- Social Security (6.2%)$6,165
- Medicare (1.45%)$1,442
- North Carolina income tax$3,459
- Take-home pay$75,327
Marginal rate: 22% federal + 3.99% state
The Charlotte-Concord-Gastonia, NC-SC metro spans North Carolina, South Carolina. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Personal Financial Advisor pay by experience in Charlotte, NC
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $49,760 | $23.92 | $40,685 | $3,390 |
| 25th percentile | $74,740 | $35.93 | $58,936 | $4,911 |
| Median (50th) | $99,440 | $47.81 | $75,327 | $6,277 |
| 75th percentile | $136,260 | $65.51 | $99,472 | $8,289 |
| 90th percentile (top earners) | $222,260 | $106.86 | $156,611 | $13,051 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, North Carolina resident, 2026 tax rules.
What $99,440 buys in Charlotte, NC
Prices in Charlotte, NC are 2.7% lower than the U.S. average (housing costs are 2% below the national average). Adjusted for local prices, a median personal financial advisor's $75,327 take-home pay has the buying power of $77,379 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Charlotte, NC has 2.1× the national concentration of personal financial advisor jobs — a strong local market for this occupation.
Best-paying cities for personal financial advisors, adjusted for cost of living
Charlotte, NC ranks #13 of 23 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | New York, NY | $170,050 | $118,502 | $105,277 |
| 2 | Kansas City, MO | $123,140 | $90,582 | $97,881 |
| 3 | San Francisco, CA | $160,610 | $108,248 | $93,629 |
| 4 | Bridgeport, CT | $135,770 | $98,069 | $91,770 |
| 5 | Miami, FL | $125,670 | $97,161 | $85,114 |
| 6 | Philadelphia, PA | $116,560 | $87,252 | $85,079 |
| 7 | St. Louis, MO | $103,690 | $77,840 | $81,861 |
| 8 | Indianapolis, IN | $102,640 | $78,039 | $81,549 |
| 13 | Charlotte, NC | $99,440 | $75,327 | $77,379 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 23 metros →
About the job: personal financial advisors
Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.
- Typical education
- Bachelor's degree
- Work experience
- None required
- On-the-job training
- Long-term on-the-job training
- Job outlook, 2025–35
- +1.4% (slower than average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Frequently asked questions
How much does a personal financial advisor make in Charlotte, NC?
The median personal financial advisor salary in the Charlotte-Concord-Gastonia, NC-SC metro area is $99,440 a year, or about $47.81 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $74,740 and $136,260.
What is a personal financial advisor’s take-home pay in Charlotte, NC?
On the median $99,440 salary, a single filer living in North Carolina takes home about $75,327 a year ($6,277 a month) after federal tax, Social Security, Medicare and $3,459 in North Carolina taxes in 2026.
Is Charlotte, NC a good place to work as a personal financial advisor?
Pay here is 5% below the national median of $105,070. Local prices are 2.7% below the U.S. average, so the take-home pay buys what $77,379 would in a typical U.S. city. Charlotte, NC ranks #13 of 23 metro areas for cost-of-living-adjusted pay in this job.
Can a personal financial advisor afford rent in Charlotte, NC?
HUD’s fair market rent for a one-bedroom in Charlotte, NC is $1,428 a month ($1,577 for two bedrooms) — 23% of a median personal financial advisor’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Charlotte, NC
- Financial and Investment Analyst — $106,510
- Project Management Specialist — $105,200
- Management Analyst — $102,920
- Accountant and Auditor — $92,910
- Compliance Officer — $86,720
- Market Research Analyst and Marketing Specialist — $82,930
- Business Operations Specialists, All Other — $82,020
- Claims Adjusters, Examiners, and Investigators — $78,680
- Human Resources Specialist — $78,330
- Loan Officer — $78,200
- Cost Estimator — $77,990
- Buyer and Purchasing Agent — $77,890