Carolina Wealth Advisors, Llc
- Regulatory AUM
- $313M
- Discretionary
- $308M
- Clients
- 596
- Avg AUM / client
- $526K
- Accounts
- 1,591
- Employees
- 6
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Mar 25, 2026
Investments (13F portfolio — 278 positions, $255,145,600)
13F period Jun 30, 2026| # | Issuer | Class | Value | Shares | % of 13F | % of AUM |
|---|---|---|---|---|---|---|
| 1 | Schwab Long Term U.S. Treasury Etf | ETF | $18,139,696 | 579,543 | 7.11% | 5.79% |
| 2 | Bny Mellon Us Large Cap Core Equity Etf | ETF | $16,940,668 | 118,144 | 6.64% | 5.41% |
| 3 | Bny Mellon Core Bond Etf | ETF | $12,878,398 | 306,994 | 5.05% | 4.11% |
| 4 | Schwab Us Tips Etf | ETF | $12,531,089 | 472,871 | 4.91% | 4.0% |
| 5 | State Street Spdr Portfolio High Yield Bond Etf | ETF | $9,904,619 | 422,552 | 3.88% | 3.16% |
| 6 | Cisco Sys Inc Com | Stock | $7,384,005 | 62,864 | 2.89% | 2.36% |
| 7 | Invesco Bulletshares 2035 Corporate Bond Etf | ETF | $5,994,578 | 292,847 | 2.35% | 1.91% |
| 8 | Fidelity Enhanced Small Cap Core Etf | ETF | $5,281,284 | 109,366 | 2.07% | 1.69% |
| 9 | Texas Instrs Inc Com | Stock | $5,161,380 | 17,316 | 2.02% | 1.65% |
| 10 | Coca Cola Co Com | Stock | $4,861,815 | 59,823 | 1.91% | 1.55% |
| 11 | Altria Group Inc Com | Stock | $4,775,537 | 66,373 | 1.87% | 1.52% |
| 12 | Abbvie Inc Com | Stock | $4,715,985 | 18,741 | 1.85% | 1.5% |
| 13 | Amgen Inc Com | Stock | $4,711,181 | 13,010 | 1.85% | 1.5% |
| 14 | Southern Copper Corp Com | Stock | $4,671,039 | 26,805 | 1.83% | 1.49% |
| 15 | Philip Morris Intl Inc Com | Stock | $4,484,397 | 24,788 | 1.76% | 1.43% |
| 16 | Schwab International Dividend Equity Etf | ETF | $4,343,869 | 136,901 | 1.7% | 1.39% |
| 17 | State Street Consumer Staples Select Sector Spdr Etf | ETF | $4,310,668 | 51,892 | 1.69% | 1.38% |
| 18 | Targa Res Corp Com | Stock | $4,250,287 | 15,851 | 1.67% | 1.36% |
| 19 | Merck & Co Inc Com | Stock | $4,133,974 | 32,171 | 1.62% | 1.32% |
| 20 | Lam Research Corp Com New | Stock | $3,786,871 | 8,739 | 1.48% | 1.21% |
| 21 | Bristol Myers Squibb Co Com | Stock | $3,244,697 | 56,312 | 1.27% | 1.04% |
| 22 | Sandisk Corp Com | Stock | $3,046,798 | 1,340 | 1.19% | 0.97% |
| 23 | Frontline Plc Com | Stock | $3,011,875 | 86,573 | 1.18% | 0.96% |
| 24 | Union Pac Corp Com | Stock | $2,981,120 | 10,960 | 1.17% | 0.95% |
| 25 | Scotts Miracle Gro Co Cl A | Stock | $2,946,643 | 43,263 | 1.15% | 0.94% |
Top 25 of 278 positions from the manager's latest Form 13F · source filing (EDGAR) ↗. 13F covers long US-listed positions only. "% of AUM" is share of the firm's total regulatory AUM (Form ADV Item 5.F).
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 459 | $99.5M | 31.7% |
| High net worth individuals | 128 | $207M | 66.1% |
| Charitable organizations | 0 | $1.8K | 0.0% |
| Corporations and other businesses | 9 | $6.7M | 2.14% |
People (4)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Christopher David St. John | Ceo | CFP Chartered Financial Consultant | Sep 2004 (22y) | ≈ 37.5% – 75% via Rpwcm, Inc. |
| Matthew Radcliff Lowery | Cfo | CFP Personal Financial Specialist CFA | Aug 2008 (18y) | ≈ 18.75% – 50% via M Radcliff Lowery Cpa Llc |
| Christy Lee Horlacher | Chief Compliance Officer | CFP Chartered Financial Consultant | May 2017 (9y) | ≈ 7.5% – 25% via Sweet Bailey, Llc |
| Charles Alexander Wiggins | Registered representative | Jul 2025 (1y) |
Entity owners (Schedule A/B)
| Entity | Title / status | Since | Sch. | Ownership |
|---|---|---|---|---|
| Rpwcm, Inc. | Member | May 2017 | A | 50% – 75% |
| M Radcliff Lowery Cpa Llc | Member | May 2017 | A | 25% – 50% |
| Sweet Bailey, Llc | Member | Aug 2021 | A | 10% – 25% |
Undisclosed: 0% – 15% of the firm is not attributable from the filed Schedule A bands.
Estimated effective ownership (look-through of filed bands):
- Christopher David St. John: 75% – 100% of Rpwcm, Inc. × 50% – 75% direct ≈ 37.5% – 75% of the firm
- Matthew Radcliff Lowery: 75% – 100% of M Radcliff Lowery Cpa Llc × 25% – 50% direct ≈ 18.75% – 50% of the firm
- Christy Lee Horlacher: 75% – 100% of Sweet Bailey, Llc × 10% – 25% direct ≈ 7.5% – 25% of the firm
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 03/25/2026 | 990 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Pension consulting services
Custody
Reported custodians
- Charles Schwab & Co. $313M (100% of AUM) Mar 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Mar 25, 2026.
View current Form ADV (SEC/IAPD) ↗