# Three Magnolias Financial Advisors

> Three Magnolias Financial Advisors is an SEC-registered investment advisory firm in Winston Salem, NC, registered since 2001, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 30, 2026.

- CRD: 114471
- Filed as: THREE MAGNOLIAS FINANCIAL ADVISORS
- Legal name: Three Magnolias Financial Advisors, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Winston Salem, NC
- Filing period: October 2026
- Form ADV filing dated: March 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/114471
- AdvisorCensus page: https://advisorcensus.com/firm/three-magnolias-financial-advisors-winston-salem-nc-114471

## Quick answers

**How is Three Magnolias Financial Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Three Magnolias Financial Advisors reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Three Magnolias Financial Advisors charge?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Hourly rate: $150 an hour (Financial Planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Three Magnolias Financial Advisors located?**
Three Magnolias Financial Advisors' principal office is in Winston Salem, NC, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Three Magnolias Financial Advisors registered with the SEC or a state?**
Three Magnolias Financial Advisors is an SEC-registered investment advisory firm, registered since 2001. Status as filed: Approved. CRD 114471.

**How much does Three Magnolias Financial Advisors manage?**
Three Magnolias Financial Advisors reports $487,056,157 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (92% discretionary).

**How have Three Magnolias Financial Advisors' assets and staff changed since 2021?**
In the Form ADV data for Three Magnolias Financial Advisors: Regulatory assets under management: $254,500,000 in the October 2021 data and $487,056,157 in the October 2026 data, up 91%. Total employees: 8 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Three Magnolias Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (455); individuals (other than high net worth individuals) (144); pension and profit sharing plans (but not the plan participants or government pension plans) (19).

**Which custodians does Three Magnolias Financial Advisors use?**
Three Magnolias Financial Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Three Magnolias Financial Advisors report any disciplinary disclosures?**
Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.E(4) (self-regulatory organization's expulsion, suspension, bar, or restriction). 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/114471

**What changed in Three Magnolias Financial Advisors' recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $414,201,000 to $487,056,157 (+18%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Hourly rate: $150 an hour (Financial Planning)

> Financial Planning is normally performed on an hourly basis, at the rate of $150 per hour. In most instances, a minimum fee of $500 applies.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $487,056,157
- Discretionary: $449,333,915
- Non-discretionary: $37,722,242

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 144 | $110,222,860 |
| High net worth individuals | 455 | $349,039,055 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 19 | $27,794,242 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2001 (25 years)
- Employees: 7 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, GA, NC, NH, PA, SC, TX, VA
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.E(4): Has a self-regulatory organization or a commodities exchange ever disciplined the firm or an advisory affiliate by expelling or suspending it from membership, barring or suspending it from association with other members, or otherwise restricting its activities?

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/114471

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Wrightsville Beach, NC

### Websites listed on Form ADV (Item 1.I)
- [threemagnoliasfinancialadvisors.com](https://threemagnoliasfinancialadvisors.com)
- Facebook @threemagnoliasfinancialadvisors
- LinkedIn @three-magnolias-financial-advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $254,500,000 | 8 | May 20, 2021 |
| October 2022 | $241,000,000 | 6 | March 18, 2022 |
| October 2023 | $270,160,000 | 6 | March 16, 2023 |
| October 2024 | $307,249,000 | 5 | March 20, 2024 |
| October 2025 | $414,201,000 | 6 | March 24, 2025 |
| October 2026 | $487,056,157 | 7 | March 30, 2026 |

Regulatory assets under management: $254,500,000 in the October 2021 data and $487,056,157 in the October 2026 data, up 91%.
Total employees: 8 in October 2021 and 7 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $414,201,000 to $487,056,157 (+18%).

### March 2026
- Item 11 disclosure answers changed: 1 yes answer, previously 0 (now yes: 11.E(4)).

### December 2025
- Employees performing advisory functions went from 4 to 5.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Three Magnolias Financial Advisors (CRD 114471): Form ADV filing data as of October 2026.