# Intercarolina Financial Services

Intercarolina Financial Services is a Bank / Wealth / Trust based in Greensboro, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Greensboro, United States
- **Region:** North America
- **Address:** Greensboro, NC, United States
- **Founded:** 1987
- **Assets under management:** Undisclosed
- **Website:** intercarolina.net
- **LinkedIn:** https://www.linkedin.com/company/intercarolina-financial

## Regulatory record

- **CRD number:** 19475
- **SEC file number:** 801-121339
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-04-30T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/19475

## About

Founded in 1987, Intercarolina Financial Services is a Greensboro-based registered investment adviser that provides financial planning and discretionary portfolio management. The firm traces its history to a period of rapid growth in independent advisory practices. Its client base includes individual households and pension and profit-sharing plans, reflecting a dual focus on personal wealth management and small-to-midsize institutional retirement assets. Intercarolina's strategy centers on constructing and monitoring client portfolios through a fiduciary lens. The firm manages accounts on a discretionary basis, tailoring asset allocations across equities, fixed income, and cash equivalents to meet retirement income, preservation, and growth objectives. Client assets are custodied with third-party institutions, a common architecture for independent RIAs of this vintage. The firm's long tenure in the Piedmont Triad region has made it a stable presence for local business owners and professionals. While specific team size and assets under management are not publicly disclosed, the firm's longevity implies incremental organic growth through client referrals and community relationships. The office footprint is concentrated in Greensboro, North Carolina. Intercarolina's operational model is characterized by direct client relationships without intermediary platform layers, a structure that distinguishes it from national wirehouses and recent venture-backed advisory roll-ups. Structurally, Intercarolina operates as a classic fiduciary RIA — charging asset-based or fixed fees rather than commissions, and maintaining independence from product manufacturers. Its four-decade history in a single metropolitan area represents a governance model built on local accountability and long-duration client relationships, rather than rapid scaling or private-equity sponsorship. This architecture allows for consistent service delivery but limits the geographic and asset-base diversification seen at larger peers.

## Questions

### Who are Intercarolina's typical clients?

Intercarolina advises a mix of individual investors and institutional retirement plans, including pension and profit-sharing plans. Its client base is heavily concentrated in the Greensboro and broader Piedmont Triad region of North Carolina. The firm's long local tenure serves professionals, business owners, and small-to-midsize companies seeking fiduciary portfolio management.

### Is Intercarolina affiliated with a larger financial institution?

No. Public records indicate Intercarolina Financial Services operates as an independent registered investment adviser. It is not a subsidiary of a bank holding company, insurance conglomerate, or private-equity-backed advisory platform. Its independence has allowed it to maintain a localized, relationship-driven service model without pressures to distribute proprietary products.

## Related profiles

- [Intercap Equity](https://altss.com/profile/intercap-equity)
- [Intercontinental Hotels UK Pension Plan](https://altss.com/profile/intercontinental-hotels-uk-pension-plan)

---

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

Canonical page: https://altss.com/profile/intercarolina-financial-services

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