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InterCarolina Financial Services, Inc.

OUR SERVICESInterCarolina 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 in good standing with the 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 managers.
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  • Investing for your future:College, Family, Home ,and Reitrement
  • Understanding your short- and long-term goals
  • Maximizing cash flow
  • Making sure you are adequately and appropriately insured
  • Preserving your lifestyle in retirement

Intercarolina Financial Services Customer Relationship Summary

Intercarolina Financial Services, Inc. Broker / Dealer Investment Advisory Form CRS Relationship Summary September 16, 2026 Intercarolina Financial Services, Inc. (hereinafter: “IA”; “IFS”; “We”; “Us”or “our firm.”) is dually licensed with the Securities and Exchange Commission (SEC) as a broker-dealer and investment advisor) 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 you, to research our firm and it’s financial professionals at: Investor.gov.crs. The entire summary is` formatted for conversation starter questions about the firm. These questions are printed in bold italics. This part of the summary is for our Registered Investment Advisor activities. What investment advisor services can you provide me? As an investment advisor the firm, at your discretion we will manage your securities assets on a fixed fee or percent of assets under management (AUM), via a discretionary or non-discretionary basis or 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 services 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’. Upon your request, additional detailed information about our services is available. 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. “Given my financial condition, should I choose an investment advisory service? “Should I choose a brokerage service?” “Should I choose 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 IA fees will I pay?” Fixed fee accounts are based upon a fee schedule as per the account original AUM. Some accounts’ fees are based on a percentage of AUM. The percentage is disclosed in the client’s IA Agreement. A wrap fee is 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 accounts’ custodian. Other fees for your account may be: Custodian fees, commission fees, maintenance fees and fees related to mutual funds and variable annuities. 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, additional 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 costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me? What are your legal obligations to me when acing 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. A conflict example would be, encouraging the client to sell equities, bonds, mutual funds and other investments and add the proceeds to the client’s IA account to increase the AUM. This would increase the amount of the fees we would receive. How might your conflicts of interest affect me, and how will you address them? Information in regard to this is presented on in Item 10 on page #14 of our firm’s Form ADV Part 2A How do your financial professionals make money? Our IA Reps. receive investment advisory fees for the amount of the AUM they are managing for clients. Some IA Reps. are registered representatives of our broker-dealer. They receive commissions for their activities in that capacity. Conflicts may arise due to this situation. If the transactions in a client’s IA account are performed by the firm’s affiliate broker-dealer, the firm’s registered representative could charge commissions for the purchase or sale of securities in the client’s investment advisory account and receive these commissions as the registered representative assigned to the account in addition to receiving the IA fees for the client’s IA account. “Do you or your financial professionals have any legal or disciplinary history?” Yes. Retail investor 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 website by searching for our name, Intercarolina Financial Services, Inc. or by using the firm’s CRD number 19475. 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 this person treating me? A retail investor may request up-to-date information and request a copy of the relationship summary by calling 336-288-6890. You may contact Joe Navolanic, President, if you have any concerns about your investment Advisor Representative. This portion of the CRS Summary is in regard to the firm’s broker-dealer operations. Are the activities of the broker-dealer monitored by any regulatory organizations? Our broker-dealer (BD) is registered with the Securities and Exchange Commission and is a member of the Financial Industry and Regulatory Authority (FINRA). These are the primary organizations that monitor our broker-dealer operations. In addition, it is monitored by the states where we are registered. Free and simple tools are available to you to research broker-dealer firms and financial professionals at www.investor.gov/CRS . What types of investment products are available thru your broker-dealer that you nay recommend to me? As a broker-dealer we may offer you stocks, options, bonds, mutual funds, exchange traded funds, variable annuities and registered alternative products. What commissions will I pay for these products? A description of the commissions for any mutual funds are determined by the mutual fund companies. For all of the other products mentioned, the commissions are determined by our firm with the exception of the alternative products which are provided by their management. Commissions will be provided to you prior to their purchase by you. Will I be charged fees for services for my account? There are fees for RIA accounts, mutual funds investment management and administration. There are also fees for wiring funds from your account, state services fees, securities transfers and account termination fees. In addition, we may receive 12B-1 fees from mutual fund companies based on the value of your account. How is it determined which investment products will be appropriate for me? The selection for you is based on several factors such as: your age, amount of income, value of your assets, risk tolerance, your tax bracket, investment experience, time horizon and investment objectives. Will my account’s investments be monitored by you? Your account will be reviewed by us during the month after the end of each calendar quarter. As a result of this review, we may: advise you to sell some of the securities in your account, buy different securities in your account, increase or decrease the amount of each security in your account. What are your legal obligations to me when providing recommendations as my broker-dealer? How else does your broker-dealer make money? 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 ETFs Your financial advisor's compensation creates conflicts of interest when: Providing advice on rollovers or transfers, withdrawals, discounts, margin loans, trades, investment types and other services. • Helping you choose one service over another. A financial advisor typically earns more in upfront fees and commissions through brokerage services and more over 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 to research our firm’s and or your professional advisor’s disciplinary history. Who can I contact if I have concerns about my account or my financial advisor? You may contact our Chief Compliance Officer, Marcus Kindley for these items. You may call him at 336-288-6890 Ext. 130 orem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor ididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. 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