Nicholas St.George, CFP®, CRPC®, CPFA, BFA
Lake Norman Retirement Planner | Retire Sooner. Pay Less Tax. Enjoy More Life.
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Serving Clients Nationwide
Lake Norman Retirement Planner | Retire Sooner. Pay Less Tax. Enjoy More Life.
Areas of Focus
- Business Owners
- Education Funding
- Estate Planning
- Financial Life Planning
- Investment Management
- Retirement Planning
- Taxes
About Nicholas St.George, CFP®, CRPC®, CPFA, BFA
I help families, professionals, and business owners across Lake Norman and the greater Charlotte area retire on their own terms — with a written plan and a tax strategy, not a product pitch.Most people I meet aren't starting from zero. They're 40 or older, they've done well, and they've accumulated a 401(k) here, an old rollover there, some company stock, maybe a business. What they don't have is a single document that tells them when they can retire, how much they can safely spend, and what the tax bill looks like across the next 30 years. That's the gap I close.
My clients typically come to me somewhere between "I think we're okay, but I'd like someone to check" and "I'd like to stop working in five years and I need to know if that's real." Both are good places to start.
Professional Designations
- Behavioral Financial Advisor (BFA)
- CERTIFIED FINANCIAL PLANNER ®
- Certified Plan Fiduciary Advisor (CPFA)
- Chartered Retirement Planning Counselor (CRPC)
Primary Location
7781 South Little Egypt Road, Suite 109, Stanley, NC 28164
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Based
- One-time Financial Plan
- Subscription
What to expect in the first meeting
"That was way easier than I thought." That's the most common thing people say walking out of a first meeting. Most arrive braced for one of three things: a sales pitch, a lecture, or a pop quiz on how much they spend on takeout. You'll get none of the three. You don't need to prepare anything. No spreadsheets. No statements. No apologizing for the shoebox of paperwork in the closet. If you happen to have a recent statement or last year's tax return handy, great — bring them. If not, we'll get there later. Do not go digging through a kitchen drawer on my account. What we'll actually cover, in about 60 minutes: 1. Your life, not just your money. Where you want to be in five, ten, twenty years. What retirement looks like on a Tuesday. What you'd do with more time. What keeps you up at 2 a.m. 2. Where you stand today. A high-level read on what's working, what's exposed, and what's likely costing you in taxes you didn't know you were paying. 3. Whether we're a fit. Both directions. I turn away people I can't genuinely help, and you should feel free to do the same. What won't happen: - I won't sell you anything. - I won't ask you to decide anything on the spot. - I won't judge past decisions. Everybody has a financial skeleton or two. I've heard it all, and I've made a few of my own. - I won't rush you. What you leave with: - A clear sense of whether we click as people - A straight answer on where you stand and what your biggest opportunity is - Defined next steps — no homework pile, no cliffhanger And bring the question you've been embarrassed to ask someone else. There's no such thing as a dumb one, and that question is usually where the real money is. If we do decide to work together, the heavy lifting is mine. You will not need a finance degree to understand your own plan.Offers Investment Management
Yes
About St. George Wealth Management
St. George Wealth Management is an independent financial planning firm in Stanley, NC, serving families throughout the Lake Norman area and greater Charlotte, and clients nationwide by video.Independence matters more than it sounds. We aren't owned by a bank, an insurance company, or a fund family — so there's no proprietary product to place and no quota shaping the recommendation. We work through LPL Financial, an independent broker-dealer and Registered Investment Advisor, for custody, research, and trading infrastructure, which means you get institutional capability without the house agenda that usually comes with it.
What we actually do differently
We plan around the tax bill, not past it.
Most retirement projections run on pre-tax balances, which quietly overstates what you have — sometimes by a quarter or more. We model taxes across your full retirement: Roth conversion windows, withdrawal sequencing, Social Security timing, Medicare IRMAA thresholds, capital gains. What you keep is the only number that spends.
You leave with a document.
Every planning client receives a written Retirement Blueprint — when you can retire, what you can safely spend, what the tax strategy is, and what happens if markets don't cooperate. You can hand it to your spouse. You can hand it to your CPA. It isn't a slide deck you see once.
We coordinate the whole picture.
Investments, taxes, employer benefits, insurance, and estate documents get planned together rather than in separate rooms by people who never speak. We work directly with your CPA and attorney, and where you don't have one, we bring in professionals we trust — including licensed attorneys through Trust & Will for estate documents.
How we work
Every client moves through the same four-step Anchor Process — Discover, Design, Deploy, Direct — so nothing depends on who remembered what. Planning engagements are priced as flat-fee tiers based on complexity; ongoing investment management is billed as a percentage of assets under management. Full details at stgeorgewealth.com/pricing.
What we handle
Retirement income planning · Tax planning analysis · Investment management · Estate planning coordination · Business owner and succession planning · Employer benefit plan review · Education funding · Cash flow and liquidity planning
Who we're built for
Families, professionals, and business owners age 40 and up, within roughly twenty years of retirement, who'd rather have a plan built around their life than a portfolio built around a model.
Our aim is straightforward: fewer surprises, clearer decisions, and a plan you understand well enough to explain to someone else.
Nicholas St. George is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Education
Bryant University, Bachelors, Finance
Hobbies and Interests
- Baseball
- Family
- Fishing
- Football
- Golf
- Hockey
- Softball
- Swimming
- Traveling
SEC Lookup
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View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Dual Income Family
- Entrepreneurs
- Families
- Gen X
- Healthcare Professionals
- Intergenerational Families
- Living in Retirement
- Parents
- Physician Assistants
- Physicians
- Sales Professionals
- Single Women
- Women in Transition
- Women Professionals
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FAQ Disclosures
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Nicholas St. George is a Registered Representative with, and securities and advisory services offered through, LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. This material is for general educational purposes only and is not individualized tax, legal, or investment advice. St. George Wealth Management and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.
