Charlotte's Fee-Only Financial Advisors
— With Real Roots Here
Fiduciary, tax-focused wealth planning for Charlotte executives, professionals, near-retirees, and families — from advisors with genuine roots in this market. No commissions. Ever.
A Fiduciary Firm With Genuine Charlotte Connections
Finding a truly independent, fee-only financial advisor in Charlotte — one with no commissions, no product sales, and a legal obligation to act in your interest — is harder than it should be. That's exactly what Oasis is built to be.
Oasis Wealth Planning brings genuine Charlotte-area roots to this market. Steve Martin began his career at Ernst & Young in downtown Charlotte, working with executives and business owners across the Carolinas. That connection shapes how we understand this market — the major employers, the planning decisions Charlotte professionals face, and the communities from SouthPark to Lake Norman.
Together with Gosia Guziak and the broader Oasis team, we serve Charlotte professionals, executives, near-retirees, and families — meeting in-person at our SouthPark or Mooresville offices, or by secure video from wherever you are.
Our Charlotte clients often come to us asking:
- ›Am I truly on track for the retirement I've envisioned?
- ›How do I build a reliable income stream I won't outlive?
- ›What's the smartest way to handle my Bank of America, Honeywell, or Lowe's equity and benefits?
- ›When should I claim Social Security, and how does it affect my taxes?
- ›How do I minimize taxes through Roth conversions and withdrawal sequencing?
- ›How do I leave a meaningful legacy without unnecessary tax consequences?
Our Charlotte Roots & Reach
- Steve Martin began his career at Ernst & Young in downtown Charlotte, advising executives and business owners across the Carolinas
- Two office locations — SouthPark and Mooresville / Lake Norman — for your convenience
- Deep familiarity with Charlotte-area employers: Bank of America, Lowe's, Honeywell, Nucor, Truist, and Duke Energy
- Serving Mecklenburg County, Iredell County, and throughout the greater Carolinas
- Meet in-person or by secure video — whichever works best for you
Built for Charlotte's Professionals, Executives & Families
Charlotte's economy is anchored by major financial institutions, global corporations, and a thriving entrepreneurial community — each with planning needs that deserve specialized attention.
Corporate Executives & Professionals
Bank of America, Lowe's, Honeywell, Truist, Duke Energy, and Nucor are among Charlotte's largest employers. If you're navigating equity compensation, deferred plans, or a career transition, we bring tax-first strategy to the complexity that comes with corporate success.
Female Executives, Professionals & Families
Gosia Guziak brings dedicated expertise and genuine care to women navigating financial decisions — whether you're a Charlotte executive managing wealth alongside a demanding career, a widow stepping into primary financial responsibility, or a family seeking a thoughtful, integrated plan.
Near-Retirees & Retirees
The years approaching retirement are often the most consequential financially. We help Charlotte-area families make the critical decisions — Social Security timing, Roth conversions, income sequencing, and investment alignment — that determine how well their money works in retirement.
Widows & Surviving Spouses
Losing a spouse reshapes everything financially. Gosia Guziak and Mel Bond both bring particular sensitivity and expertise to widows navigating this transition — helping clients find clarity and confidence during one of life's most challenging chapters.
Charlotte Business Owners
Your retirement plan is inseparable from your exit strategy. We work with Charlotte-area entrepreneurs on succession planning, sale readiness, tax-efficient transitions, and converting business equity into a reliable income stream.
Lake Norman & Mooresville Families
Our Mooresville office serves clients throughout the Lake Norman corridor — one of the fastest-growing communities in the Southeast. Whether you're a long-time resident or a Charlotte professional who has relocated north, we're convenient to you.
Integrated Planning — Not a Product Menu
Retirement income, tax strategy, investments, and estate planning work best when coordinated into one cohesive plan. That's how we work — always.
Retirement Income & Cash-Flow Planning
Detailed income projections and withdrawal sequencing using our matching-bucket approach — designed to give you spending confidence in any market environment.
Proactive Tax & Roth Conversion Strategy
Led by a CPA and tax attorney: Roth conversions, RMD planning, tax-bracket management, and year-round coordination — not just April filing.
Investment Management
Evidence-based, goals-aligned portfolio construction matched to your income timeline, risk capacity, and long-term priorities. No proprietary products, no commissions.
Executive Compensation & Equity Planning
RSUs, stock options, deferred compensation, and concentrated positions — tax-aware strategies for senior professionals at Charlotte's major employers.
Social Security & Pension Optimization
Claiming decisions that can mean hundreds of thousands of dollars over a lifetime — we model every scenario before you make this irreversible choice.
Estate, Legacy & Insurance Planning
Beneficiary designations, asset titling, charitable giving, and coordination with your estate attorney — so your legacy is structured with intention.
"Are you using your life to pursue money — or your money to pursue a life? Our planning starts with that question, and everything else follows." — Steve Martin
Credentialed Advisors. A Full Team Behind Every Relationship.
Charlotte-area clients work directly with our lead advisors — available in-person at SouthPark or Mooresville, or by secure video from anywhere in the Carolinas.
Steve's career in Charlotte began at Ernst & Young, where he worked as a tax consultant advising executives and business owners across the Carolinas. That foundation — combined with subsequent roles as a tax attorney and private banking strategist — shaped his distinctly tax-first approach to wealth planning. He serves executives, professionals, and near-retirees as a personal CFO: synthesizing the full picture and helping clients make consequential decisions with clarity.
Gosia graduated summa cum laude in Financial Planning and built her practice around proactive tax planning and deep client relationships. She brings particular care and expertise to women navigating financial transitions — female executives managing wealth alongside demanding careers, widows stepping into primary financial decision-making, and families seeking a thoughtful, integrated plan. Her clients consistently describe her as the advisor who finally made everything make sense.
Brandon's passion for financial planning led him from Liberty University to an advisor development program at a large national financial services firm — where broad exposure to client situations confirmed his belief that people deserve a more personal, independent approach. At Oasis, he leads client meetings across the full range of planning: investments, taxes, and retirement strategy. He meets Charlotte-area clients in-person at our SouthPark and Mooresville offices or by secure video.
Mel Bond
CFP® · CFA · CKA · Wealth Advisor30+ years in investment management and financial planning. Mel oversees portfolio construction and research across all client relationships, and brings particular depth to retirement income strategy and planning for widows.
Kim Winkler
Client Services & OperationsKim ensures every client interaction is handled with care and precision — from onboarding through ongoing service.
Christina Caffrey
Client Relationship Associate & ParaplannerChristina works directly with clients on financial reports, planning support, and day-to-day service — a consistent, knowledgeable presence throughout your Oasis relationship.
Kyle Nelson-Chandler
Client ServicesKyle is your first point of contact for scheduling, documents, and operational support — keeping your experience with Oasis smooth and responsive.
Two Charlotte-Area Locations
We meet in-person at our SouthPark and Mooresville offices, or by secure video — whichever is most convenient. All meetings are by appointment.
SouthPark — Piedmont Advisors
Charlotte, NC 28210
Mooresville — Lake Norman
Mooresville, NC 28117
Prefer video? Many of our Charlotte-area clients meet by secure video — same advisors, same depth of conversation, no commute across Mecklenburg County. Schedule a video call →
What Charlotte Clients Ask Us
Honest answers to the questions we hear most often from Charlotte-area professionals and families.
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What does fee-only actually mean — and why does it matter?
Fee-only means we are paid only by you — never through commissions on products we sell or recommend. This eliminates the most common conflict of interest in financial advice. Many advisors at banks and brokerage firms are paid to recommend certain products; we never are.
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Do you have genuine Charlotte experience?
Yes. Steve Martin started his career at Ernst & Young in downtown Charlotte and has deep familiarity with this market — the major employers, the planning decisions executives and professionals face here, and the communities from SouthPark to Lake Norman. Our advisors are available in-person at both offices or by secure video.
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I work at Bank of America / Lowe's / Honeywell. Can you help with my benefits and equity?
Yes — this is an area of focus for us. RSUs, stock options, deferred compensation, and concentrated stock positions require careful tax strategy. We help executives and senior professionals at Charlotte's major employers make the most of complex compensation packages.
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I'm a widow and feeling overwhelmed. Where do I even start?
We start with a simple, no-pressure conversation. Gosia Guziak and Mel Bond both work closely with widows — and both understand that the first priority is helping you feel heard and less alone in the process. We move at your pace, explain everything, and take it one step at a time.
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How does the process begin?
A relaxed, no-commitment introductory call — typically 30 to 45 minutes. We learn about your situation, you learn how we work, and we're both honest about whether it's the right fit. No pressure, no sales pitch.
Start With a Simple Conversation
Whether you're a Charlotte executive planning your next chapter, a professional approaching retirement, a widow looking for a trusted guide, or a family ready for a real financial plan — the first step is easy and costs nothing.
704-936-0091Serving Charlotte, Mooresville, Lake Norman, Huntersville, Cornelius, Davidson, Ballantyne, and throughout the Carolinas — in person at SouthPark or Lake Norman, or by secure video from anywhere.