Larry Carroll

  • CFP®

Chief Executive Officer & Chief Wealth Strategist

“The best interest of the client is the only interest that matters.”©

With this simple approach to financial planning, Larry Carroll established Carroll Financial Associates in 1980. The firm currently manages or supervises over $2.7 billion in advisory and brokerage assets and employs 21 CERTIFIED FINANCIAL PLANNER® practitioners.

Over the years, Carroll Financial has grown into a large independent financial planning and investment management firm, but that core philosophy has never changed. Our focus is the same today as it was in 1980 – we are committed to our clients’ best interests.

Larry provides investment management and retirement income planning for retirees and pre-retirees throughout the Carolinas. He believes that managing money for retirees is more about controlling risk than about maximizing returns. For most of his clients, the primary goal is making sure that they can receive an income from their assets for the rest of their lives.

“I think our clients find comfort in the fact that while they will only retire once, we’ve been through the process many times.”  – Larry W. Carroll, CFP®

Larry’s devotion to his clients has earned him national recognition in the financial planning profession. Some of his many accomplishments include:

  • #1 Financial Advisor in North Carolina on Forbes’ 2018 list of Best-In-State Wealth Advisors
  • 2016 and 2017 Forbes’ list of America’s Top 200 Wealth Advisors
  • Worth magazine’s listing of “The Nation’s Most Exclusive Wealth Managers” twelve times
  • All of Barron’s annual lists of “The Top Financial Advisors”
  • Past president of the International Association of Financial Planners (IAFP), predecessor to the Financial Planning Association (FPA)

Quoted in Money, Newsweek, The New York Times, Medical Economics, The Wall Street Journal, BusinessWeek, US News and World Report, American Banker and other financial publications, Larry has also appeared on CNBC Street Signs and the NBC Nightly News with Tom Brokaw.

Larry serves on the board of Capitala Finance Corporation, a publicly traded company, and has previously served on the boards of other community banks and educational institutions.

Larry shares his passion for philanthropy and learning with Vivian, his wife of over 40 years. Together they are actively involved in many local charities and universities, including: YMCA of Greater Charlotte, American Red Cross, Hospice and Palliative Care Charlotte Region, Austin Peay State University, Winthrop University and The University of Tennessee.

In 2011, Larry received the Tower Award from Winthrop University. He was also inducted into the Sigma Beta Delta Business Honor Society from Austin Peay State University and the State of Tennessee Legacy Society for his philanthropic efforts.  In 2016, he received the Alumni Professional Achievement Award from the University of Tennessee.

Recognition from rating services or publications is no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance of results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluations. Listing in this publication is not a guarantee of future investment success. This recognition should not be construed as an endorsement of the advisor by any client.

Larry Carroll's Approach

The best interest of the client is the only interest that matters.©

- Larry Carroll

Larry provides investment management and retirement income planning for retirees and pre-retirees throughout the Carolinas. He believes that managing money for retirees is more about controlling risk than about maximizing returns. For most of his clients, the primary goal is making sure that they can receive an income from their assets for the rest of their lives.