# Carolina Wealth Management

Carolina Wealth Management is a Bank / Wealth / Trust based in Greenville, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Greenville, United States
- **Region:** North America
- **Address:** Wilmington, NC, United States
- **Founded:** 2004
- **Assets under management:** $100M - $250M (Altss estimate)
- **Website:** mycarolinawealth.com
- **LinkedIn:** https://www.linkedin.com/company/carolina-wealth-management-inc

## Regulatory record

- **CRD number:** 131393
- **SEC file number:** 801-63091
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-04-27T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/131393

## About

Joseph Rippy launched Carolina Wealth Management in Wilmington, North Carolina in 2004. The firm operates as a registered investment adviser (RIA) serving individuals, high-net-worth families, trusts, and small institutions primarily along the southeastern North Carolina coast. Wealth-origin profiles for the client base are not publicly disclosed. The firm constructs multi-asset-class portfolios spanning domestic equity, municipal and corporate fixed income, real estate investment trusts, and alternative strategies accessed through interval funds and non-traded structures. Investment policy tilts toward income generation and principal preservation, reflecting the priorities of a retiree-heavy client base in the Cape Fear region. The firm selects positions across large-cap dividend payers, North Carolina municipal issuers, and private real estate credit instruments. Portfolio allocation decisions are guided by in-house models managed by Rippy and an internal investment committee. Carolina Wealth Management operates from a single office in Wilmington. The team includes a small group of advisors and client-service professionals, with total headcount estimated below ten. Adjacent to its advisory business, the firm offers comprehensive financial planning services covering retirement income modeling, estate planning coordination, and tax-aware distribution strategies. In recent years, the firm has expanded its planning capabilities to address Required Minimum Distribution optimization for an aging client demographic. Carolina Wealth Management's structural distinction lies in its boutique independence. As a privately held RIA without private-equity backing or bank ownership, the firm maintains unfettered discretion over manager selection and avoids the product-sale conflicts common to wirehouse advisory platforms in the region.

## Sectors

- Wealth Management
- Financial Planning

## People

- Joseph F. Rippy — President & CEO

## Related profiles

- [Carolina Financial](https://altss.com/profile/carolina-financial)
- [Carpenters & Millwrights of Houston & Vicinity Pension Fund](https://altss.com/profile/carpenters-millwrights-of-houston-vicinity-pension-fund)

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/carolina-wealth-management

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology