Serving our customers since 1987 Intercarolina Financial Services, Inc.
3300 Battleground Ave.Suite 400 Greensboro, NC
Focused on your complete Financial Picture
True independence and maximum customer satisfaction are the cornerstones of what makes InterCarolina Financial Services the best choice for sophisticated investors. We are an elite securities firm of proven financial counselors. In an industry permeated by youth and inexperience, the average InterCarolina Financial Services Representative has over a minimum of 15 years of proven experience in the investment and insurance industry.
We offer a full range of financial planning, insurance, asset management, and security market products. Unlike other firms, we are independent of corporate affiliations. As a result, we can freely pick from the best products and services. Our reputation and the quality of our registered representatives gives us carte blanche with the finest financial resources giving you the best choices!
Our Services
InterCarolina Financial Services is large enough to offer all the services and products necessary to ensure financial success, but compact enough to have a strong personal relationship and complete understanding of each of our customers needs and goals. We are a member of FINRA (www.FINRA.org), registered with the US Securities & Exchange Commission and have been a member of the Securities Investor Protection Corporation (SIPC) since our formation in 1987.
InterCarolina Financial Services performs market transactions in listed ,OTC stocks and options, Corporate, US Government, and Municipal bonds, and Mutual Funds. We have a selling agreements with the major mutual funds, quality annuity underwriters, and over 50 BEST RATED insurance companies. InterCarolina works closely with major asset management firms and several fine boutique asset manager Our Qualifications
InterCarolina Financial Services is registered as an investment advisor. We are licensed to execute transactions in securities, insurance, fee-based asset management, and annuities. We are also insured with Errors & Omissions in both securities and insurance transactions.
InterCarolina Financial Services’ investment advisors are all experienced with long and successful careers. They actively attend continuing education programs to maintain a thorough and comprehensive understanding of the changing landscape of financial services, ensuring our customers have access to the latest financial tools. In addition: Information you may want to read below : Customer Relation Summary for Broker Accounts and Investment Advisors Intercarolina Business Continuity Plan in case of catistrophic event MSRB Rule G-10 – Investor Education and Protection DisclosureIntercarolina Financial Services, Inc. is registered with the the Financial Industry Regulator Authority (FINRA) and the Municipal Securities Rulemaking Board (“MSRB”). As such, Intercarolina Financial Services Inc. is subject to the regulations and rules on municipal securities activities established by the SEC and MSRB. The website for the MSRB is www.msrb.org. Note that in addition to having educational material about the municipal securities market, the MSRB website has an Investor Brochure that describes the protections that may be provided by the MSRB rules and how to file a complaint against Intercarolina Financial Services, Inc. or an Intercarolina Financial Services, Inc. representative.
Intercarolina Financials Services Customer Relationship Summary INTERCAROLINA FINANCIAL SERVICES Broker DealerForm CRS Customer Relationship SummaryJune 8, 2022Intercarolina Financial Services, Inc. is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and Investment Advisor and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC)]. Brokerage and investment advisory services and fees differ and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.We offer brokerage services through our Clearing Firm Interactive Brokers. Here are the primary features: • Investment authority: - Our Accounts is non-discretionary. This means your financial advisor may offer education, advice and recommendations, and you make the yes/no decision on which investments to buy and sell. • Investment offerings: We offer a variety of investments including stocks, bonds, CDs, mutual funds, exchange-traded funds (ETFs) and annuities. Investments vary by Account type and may be limited based on your account’s value. Depending on your account and investment type, you may not be ableto purchase certain share classes. Additional investments are offered in other account types orat other firms. • Monitoring: We may voluntarily review your account to determine whether to recommend an investment to better align your account with your investment goals. However, we do not provide investment monitoring with our Accounts. Account minimums: There is no minimum required to open or maintain an Account.Margin: With a margin loan, you borrow money from Our clearing firm, Interactive Brokers, using securities in your account as collateral. Interactive Brokers offer margin loans in eligible, non-retirement Accounts and certain advisory program accounts.What fees will I pay?What you pay will vary depending on the services and investments you choose. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.Fees and costs you pay in your Account include: • Fees and costs when you make trades, including commissions (stocks, bonds, ETFs, bonds). For the purchase of investments such as mutual funds and variable annuities, you pay sales charges or commissions. The more trades in your account, the more you pay us. As a result, we have an incentive to encourage you totrade more often in your account. • Ongoing fees and costs depending on the investments youown. Mutual funds, ETFs and annuities carry built-in operating expenses and ongoing fees, such as management fees and trail commissions, that are in addition to any initial commissions or sales charges you pay. Your financial advisor can help you evaluate internal costs and fees and their impact on what you earn from your investments. • Other fees andcosts. Accounts are subject to certain additional fees and costs for services, including (ifapplicable) cash management fees, annual account fees, wire fees, estate service fees, account transfer and/or termination fees and margin interest.What are your legal obligations to me when providing recommendations as my broker-dealeror when acting as my investment adviser? How else does your firm make money and whatconflicts of interest do you have? When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.Mutual funds and annuities pay us ongoing service fees (12b-1s) or trail commissions. Most mutual funds and annuities also pay us for distribution, marketing, networking, shareholder accounting and other services. These payments create an incentive for us to recommend these investments over others, such as stocks, bonds and ETFsYour financial advisor’s compensation creates conflicts of interest when: • Providingadvice on rollovers or transfers, withdrawals, discounts, margin loans, trades, investmenttypes and other services. • Helping you choose one service over another. A financial advisortypically earns more in upfront fees and commissions through brokerage services and moreover time through investment advisory services. While such conflicts exist, we have policies and review processes designed to mitigate these conflicts.Do you or your financial professionals have legal or disciplinary history? Yes. Intercarolina Financial Services and certain of our financial advisors have legal and disciplinary history. Please visit www.investor.gov/CRS for a free and simple search tool to research our firm and your financial advisor. Here are some questions about conduct you can ask your financial advisor: • As a financial advisor, do you have any disciplinary history? For what type of conduct?For more information about our brokerage or to obtain a copy of this relationship summary, contact your financial advisor, visit www.intercarolina.net or call 336-288-6890Here are some additional questions you can ask your financial advisor: • Who is my primary contact person? Is he or she a representative of an broker-dealer? Who can I talk to if I have concerns about how this person is treating me?Intercarolina Financial Services, Inc.Registered Investment Advisor Form CRS/Relationship Summary June 8, 2022Intercarolina Financial Services, Inc. is dually licensed with the Securities and Exchange Commission (SEC) as a broker-dealer and investment advisor (hereinafter: "IA"; "IFS"; "Us" or "our firm.") It is important that you, as a retail investor, understand that broker-dealer and investment advisor services differ. Free and simple tools are available to research firms and financial professionals at: Investor.gov.crs. This Form CRS/Relationship Summary, is in regard to the firm's IA activities. A separate summary for the firm's broker-dealer operations will also be provided to you. This summary isformatted for conversation question starters about the firm which you may use. These questions are printed in italics.What investment services and advice can you provide me?As an investment advisor the firm, at your discretion may manage your securities assets on a fixed fee or percent of assets under management (AUM)), via a discretionary or non-discretionary basis and utilize an outside advisor via a wrap account. IA accounts are monitored on a quarterly basis at a minimum and is a part of the standard service provided.At the time that an IA account is established, the client may endorse a document which authorizes us to manage a client's account on a discretionary basis. Discretionary basis permits the IA to purchase or sell any security at any time for the client's account without limitations. The ultimate decision to purchase or sell securities in a non-discretionary account is the clients'.The firm is not limited to offering only proprietary products or a limited menu of products. There are no account size minimums for a retail investor to open or maintain one.Upon your request, more detailed information about our services are available. The servicesinclude: discussing financial goals, retirement investments, wrap fee programs, investments selection, investment policy statement and performance monitoring."Given my financial condition, should I choose an investment advisory service? "Should I choose a brokerage service? " "Should I choose both types of services? " "Why or why not? " "How will you choose investments to recommend to me? " "What is your relevant experience, including your business education and other qualifications? " "What do these qualifications mean? ""What fees will I pay?Fees based on a percentage of AUM, Fixed fee accounts are based upon a fee schedule as per the accounts AUM at the time of billing. A wrap fee composed of a percentage of AUM charged by the wrap account and the firm. The cost of wrap fee accounts is higher than typical asset- based accounts since they include most transaction fees from the account's custodian. Since accounts are determined by the account size, there may be a conflict of interest when the firm encourages the investor to increase the AUM in the account.You will pay fees and costs whether you make or loose money and on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Upon your request, more specific information is available in regard to: the manner of compensation, methods of fee payment, other fees and expense and advance payment of fees.Help me understand how these fees and any costs might affect my investments. IfI give you$10, 000 to invest, how much will go 10 fees and costs, and how much will be invested for me?What are your legal obligations to me when acting as my investment advisor? How does your firm make money and what conflicts of interest do you have?When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you.How might your conflicts of interest affect me, and how will you address them? How do your financial professionals make money?How does your firm make money?"Do you or your financial professionals have any legal or disciplinary history?Yes, one of our financial professionals is required to disclose Item 14 B on Form U-4Retail investors may visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.As a financial professional, do you have any disciplinary history? For What type of conduct?A retail investor may locate additional information about our investment advisory services on the internet at www.advisorinfo.sec.gov. You can view our firm's information on this wevsite by searching for our name, Intercarolina Financial Services, Inc. or by using the firm's CRD number19475.A retail investor may request up-to-date information and request a copy of the relationship summery by calling 336-288-6890.Who is my primary contact person? Is he or she a representative of the firm 's investment advisor? Who can I talk to if I have concerns about how this person is treating me Contact Marcus Kindley at 336-288-6890 ext 130 Intercarolina Financial Services’s Business Continuity PlanIntercarolina Financial Services, Inc has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan. Contacting Us – If after a significant business disruption, you cannot contact us as you usually do at 336-288-6890, you should call our alternative number 336-358-2008 or go to our website at Intercaolina.net. If you cannot access us through either of those means, you should contact our clearing firm, Interactivebrokers.com (703) 725-9781.
Our Business Continuity Plan – We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption. Our business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternate communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business. Our clearing firm, Interactive Brokers, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments as soon as possible. Your orders and requests for funds and securities could be delayed during this period.]
Varying Disruptions – Significant business disruptions can vary in their scope, such as only our firm’s office, the city where we are located or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In the event of a significant business disruption, we have plans to place to move to a back-up location or remote locations as necessary. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our website Intercarolina.net or our customer emergency number, 336-358-2008 on how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.
For more information – If you have questions about our business continuity planning, you can contact us at336-288-6890.
InterCarolina Financial Services is large enough to offer all the services and products necessary to ensure financial success, but compact enough to have a strong personal relationship and complete understanding of each of our customers needs and goals. We are a member of FINRA (www.FINRA.org), registered with the US Securities & Exchange Commission and have been a member of the Securities Investor Protection Corporation (SIPC) since our formation in 1987.
InterCarolina Financial Services performs market transactions in listed ,OTC stocks and options, Corporate, US Government, and Municipal bonds, and Mutual Funds. We have a selling agreements with the major mutual funds, quality annuity underwriters, and over 50 BEST RATED insurance companies. InterCarolina works closely with major asset management firms and several fine boutique asset manager Our Qualifications
InterCarolina Financial Services is registered as an investment advisor. We are licensed to execute transactions in securities, insurance, fee-based asset management, and annuities. We are also insured with Errors & Omissions in both securities and insurance transactions.
InterCarolina Financial Services’ investment advisors are all experienced with long and successful careers. They actively attend continuing education programs to maintain a thorough and comprehensive understanding of the changing landscape of financial services, ensuring our customers have access to the latest financial tools. In addition: Information you may want to read below : Customer Relation Summary for Broker Accounts and Investment Advisors Intercarolina Business Continuity Plan in case of catistrophic event MSRB Rule G-10 – Investor Education and Protection DisclosureIntercarolina Financial Services, Inc. is registered with the the Financial Industry Regulator Authority (FINRA) and the Municipal Securities Rulemaking Board (“MSRB”). As such, Intercarolina Financial Services Inc. is subject to the regulations and rules on municipal securities activities established by the SEC and MSRB. The website for the MSRB is www.msrb.org. Note that in addition to having educational material about the municipal securities market, the MSRB website has an Investor Brochure that describes the protections that may be provided by the MSRB rules and how to file a complaint against Intercarolina Financial Services, Inc. or an Intercarolina Financial Services, Inc. representative.
Intercarolina Financials Services Customer Relationship Summary INTERCAROLINA FINANCIAL SERVICES Broker DealerForm CRS Customer Relationship SummaryJune 8, 2022Intercarolina Financial Services, Inc. is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and Investment Advisor and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC)]. Brokerage and investment advisory services and fees differ and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.We offer brokerage services through our Clearing Firm Interactive Brokers. Here are the primary features: • Investment authority: - Our Accounts is non-discretionary. This means your financial advisor may offer education, advice and recommendations, and you make the yes/no decision on which investments to buy and sell. • Investment offerings: We offer a variety of investments including stocks, bonds, CDs, mutual funds, exchange-traded funds (ETFs) and annuities. Investments vary by Account type and may be limited based on your account’s value. Depending on your account and investment type, you may not be ableto purchase certain share classes. Additional investments are offered in other account types orat other firms. • Monitoring: We may voluntarily review your account to determine whether to recommend an investment to better align your account with your investment goals. However, we do not provide investment monitoring with our Accounts. Account minimums: There is no minimum required to open or maintain an Account.Margin: With a margin loan, you borrow money from Our clearing firm, Interactive Brokers, using securities in your account as collateral. Interactive Brokers offer margin loans in eligible, non-retirement Accounts and certain advisory program accounts.What fees will I pay?What you pay will vary depending on the services and investments you choose. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.Fees and costs you pay in your Account include: • Fees and costs when you make trades, including commissions (stocks, bonds, ETFs, bonds). For the purchase of investments such as mutual funds and variable annuities, you pay sales charges or commissions. The more trades in your account, the more you pay us. As a result, we have an incentive to encourage you totrade more often in your account. • Ongoing fees and costs depending on the investments youown. Mutual funds, ETFs and annuities carry built-in operating expenses and ongoing fees, such as management fees and trail commissions, that are in addition to any initial commissions or sales charges you pay. Your financial advisor can help you evaluate internal costs and fees and their impact on what you earn from your investments. • Other fees andcosts. Accounts are subject to certain additional fees and costs for services, including (ifapplicable) cash management fees, annual account fees, wire fees, estate service fees, account transfer and/or termination fees and margin interest.What are your legal obligations to me when providing recommendations as my broker-dealeror when acting as my investment adviser? How else does your firm make money and whatconflicts of interest do you have? When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.Mutual funds and annuities pay us ongoing service fees (12b-1s) or trail commissions. Most mutual funds and annuities also pay us for distribution, marketing, networking, shareholder accounting and other services. These payments create an incentive for us to recommend these investments over others, such as stocks, bonds and ETFsYour financial advisor’s compensation creates conflicts of interest when: • Providingadvice on rollovers or transfers, withdrawals, discounts, margin loans, trades, investmenttypes and other services. • Helping you choose one service over another. A financial advisortypically earns more in upfront fees and commissions through brokerage services and moreover time through investment advisory services. While such conflicts exist, we have policies and review processes designed to mitigate these conflicts.Do you or your financial professionals have legal or disciplinary history? Yes. Intercarolina Financial Services and certain of our financial advisors have legal and disciplinary history. Please visit www.investor.gov/CRS for a free and simple search tool to research our firm and your financial advisor. Here are some questions about conduct you can ask your financial advisor: • As a financial advisor, do you have any disciplinary history? For what type of conduct?For more information about our brokerage or to obtain a copy of this relationship summary, contact your financial advisor, visit www.intercarolina.net or call 336-288-6890Here are some additional questions you can ask your financial advisor: • Who is my primary contact person? Is he or she a representative of an broker-dealer? Who can I talk to if I have concerns about how this person is treating me?Intercarolina Financial Services, Inc.Registered Investment Advisor Form CRS/Relationship Summary June 8, 2022Intercarolina Financial Services, Inc. is dually licensed with the Securities and Exchange Commission (SEC) as a broker-dealer and investment advisor (hereinafter: "IA"; "IFS"; "Us" or "our firm.") It is important that you, as a retail investor, understand that broker-dealer and investment advisor services differ. Free and simple tools are available to research firms and financial professionals at: Investor.gov.crs. This Form CRS/Relationship Summary, is in regard to the firm's IA activities. A separate summary for the firm's broker-dealer operations will also be provided to you. This summary isformatted for conversation question starters about the firm which you may use. These questions are printed in italics.What investment services and advice can you provide me?As an investment advisor the firm, at your discretion may manage your securities assets on a fixed fee or percent of assets under management (AUM)), via a discretionary or non-discretionary basis and utilize an outside advisor via a wrap account. IA accounts are monitored on a quarterly basis at a minimum and is a part of the standard service provided.At the time that an IA account is established, the client may endorse a document which authorizes us to manage a client's account on a discretionary basis. Discretionary basis permits the IA to purchase or sell any security at any time for the client's account without limitations. The ultimate decision to purchase or sell securities in a non-discretionary account is the clients'.The firm is not limited to offering only proprietary products or a limited menu of products. There are no account size minimums for a retail investor to open or maintain one.Upon your request, more detailed information about our services are available. The servicesinclude: discussing financial goals, retirement investments, wrap fee programs, investments selection, investment policy statement and performance monitoring."Given my financial condition, should I choose an investment advisory service? "Should I choose a brokerage service? " "Should I choose both types of services? " "Why or why not? " "How will you choose investments to recommend to me? " "What is your relevant experience, including your business education and other qualifications? " "What do these qualifications mean? ""What fees will I pay?Fees based on a percentage of AUM, Fixed fee accounts are based upon a fee schedule as per the accounts AUM at the time of billing. A wrap fee composed of a percentage of AUM charged by the wrap account and the firm. The cost of wrap fee accounts is higher than typical asset- based accounts since they include most transaction fees from the account's custodian. Since accounts are determined by the account size, there may be a conflict of interest when the firm encourages the investor to increase the AUM in the account.You will pay fees and costs whether you make or loose money and on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Upon your request, more specific information is available in regard to: the manner of compensation, methods of fee payment, other fees and expense and advance payment of fees.Help me understand how these fees and any costs might affect my investments. IfI give you$10, 000 to invest, how much will go 10 fees and costs, and how much will be invested for me?What are your legal obligations to me when acting as my investment advisor? How does your firm make money and what conflicts of interest do you have?When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you.How might your conflicts of interest affect me, and how will you address them? How do your financial professionals make money?How does your firm make money?"Do you or your financial professionals have any legal or disciplinary history?Yes, one of our financial professionals is required to disclose Item 14 B on Form U-4Retail investors may visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.As a financial professional, do you have any disciplinary history? For What type of conduct?A retail investor may locate additional information about our investment advisory services on the internet at www.advisorinfo.sec.gov. You can view our firm's information on this wevsite by searching for our name, Intercarolina Financial Services, Inc. or by using the firm's CRD number19475.A retail investor may request up-to-date information and request a copy of the relationship summery by calling 336-288-6890.Who is my primary contact person? Is he or she a representative of the firm 's investment advisor? Who can I talk to if I have concerns about how this person is treating me Contact Marcus Kindley at 336-288-6890 ext 130 Intercarolina Financial Services’s Business Continuity PlanIntercarolina Financial Services, Inc has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan. Contacting Us – If after a significant business disruption, you cannot contact us as you usually do at 336-288-6890, you should call our alternative number 336-358-2008 or go to our website at Intercaolina.net. If you cannot access us through either of those means, you should contact our clearing firm, Interactivebrokers.com (703) 725-9781.
Our Business Continuity Plan – We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption. Our business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternate communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business. Our clearing firm, Interactive Brokers, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments as soon as possible. Your orders and requests for funds and securities could be delayed during this period.]
Varying Disruptions – Significant business disruptions can vary in their scope, such as only our firm’s office, the city where we are located or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In the event of a significant business disruption, we have plans to place to move to a back-up location or remote locations as necessary. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our website Intercarolina.net or our customer emergency number, 336-358-2008 on how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.
For more information – If you have questions about our business continuity planning, you can contact us at336-288-6890.
How can we help you?
Financial Planning
Estate Planning
