# Intercarolina Financial Services, Inc.

> Intercarolina Financial Services, Inc. is an SEC-registered investment advisory firm in Greensboro, NC, registered since 2021, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated September 30, 2026.

- CRD: 19475
- Filed as: INTERCAROLINA FINANCIAL SERVICES, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Greensboro, NC
- Filing period: October 2026
- Form ADV filing dated: September 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/19475
- AdvisorCensus page: https://advisorcensus.com/firm/intercarolina-financial-services-inc-greensboro-nc-19475

## Quick answers

**How is Intercarolina Financial Services, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Intercarolina Financial Services, Inc. reports these compensation arrangements: a percentage of assets under its management.

**Where is Intercarolina Financial Services, Inc. located?**
Intercarolina Financial Services, Inc.'s principal office is in Greensboro, NC, according to its Form ADV; the October 2026 filing also lists 9 other offices (Schedule D, Section 1.F).

**Is Intercarolina Financial Services, Inc. registered with the SEC or a state?**
Intercarolina Financial Services, Inc. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 19475.

**How much does Intercarolina Financial Services, Inc. manage?**
Intercarolina Financial Services, Inc. reports $85,370,900 in regulatory assets under management in its Form ADV filing dated September 30, 2026 (13% discretionary).

**How have Intercarolina Financial Services, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Intercarolina Financial Services, Inc.: Regulatory assets under management: $105,429,861 in the October 2021 data and $85,370,900 in the October 2026 data, down 19%. Total employees: 11 in October 2021 and 29 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Intercarolina Financial Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (258); high net worth individuals (13).

**Does Intercarolina Financial Services, Inc. report any disciplinary disclosures?**
Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.E(2) (self-regulatory organization's finding of a rule violation). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/19475

**What changed in Intercarolina Financial Services, Inc.'s recent Form ADV filings?**
In the May 2026 filing data: Its Item 11 disclosure answers changed. Employees performing advisory functions went from 10 to 9. Regulatory assets under management went from $130,750,464 to $85,370,900 (-35%). Added an office in Sandy Springs, GA. Registered or notice-filed in IL, VA, WA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Regulatory assets under management (Item 5.F)
- Total: $85,370,900
- Discretionary: $10,880,900
- Non-discretionary: $74,490,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 258 | $74,490,000 |
| High net worth individuals | 13 | $10,880,900 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2021 (5 years)
- Employees: 29 total, 9 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, GA, IL, KY, MA, MN, NC, ND, NV, SC, SD, TX, VA, WA
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.E(2): Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/19475

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Cary, NC
- Chapel Hill, NC
- Concord, NC
- Greensboro, NC
- Little River, SC
- Murray, KY
- Oakboro, NC
- Sandy Springs, GA
- Wahpeton, ND

### Websites listed on Form ADV (Item 1.I)
- intercarolina.net

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $105,429,861 | 11 | July 29, 2021 |
| October 2022 | $112,267,206 | 13 | May 6, 2022 |
| October 2023 | $100,407,396 | 13 | July 23, 2023 |
| October 2024 | $129,656,189 | 14 | March 22, 2024 |
| October 2025 | $130,750,464 | 14 | March 25, 2025 |
| October 2026 | $85,370,900 | 29 | September 30, 2026 |

Regulatory assets under management: $105,429,861 in the October 2021 data and $85,370,900 in the October 2026 data, down 19%.
Total employees: 11 in October 2021 and 29 in October 2026.

## Changes in the filing (last 12 months)

### May 2026
- Its Item 11 disclosure answers changed.
- Employees performing advisory functions went from 10 to 9.
- Regulatory assets under management went from $130,750,464 to $85,370,900 (-35%).
- Added an office in Sandy Springs, GA.
- Registered or notice-filed in IL, VA, WA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Intercarolina Financial Services, Inc. (CRD 19475): Form ADV filing data as of October 2026.