Cole Setzer, CPA
Fiduciary Financial Advisor Serving Hickory & Charlotte, NC
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Serving Clients Nationwide
Fiduciary Financial Advisor Serving Hickory & Charlotte, NC
Areas of Focus
- Estate Planning
- Financial Life Planning
- Investment Management
- Owning a Business
- Retirement Planning
- Taxes
About Cole Setzer, CPA
Cole Setzer was born and raised in Hickory, North Carolina, where he grew up working in his family’s construction business. From an early age, he learned the values of hard work, community, and the unique challenges small business owners face.After graduating, Cole went on to serve over 10 years on active duty in the U.S. Army, where he developed leadership skills, financial discipline, and a deep commitment to service. During his time in the military, he met his wife, Dr. Molly Setzer, an OB/GYN. Together, they are raising three young children, while Cole continues to serve in the Army Reserves.
Following his military career, Cole became a CPA and worked as a tax accountant, helping families and business owners navigate complex financial decisions. Today, he combines his professional expertise with his dedication to public service as a County Commissioner for Catawba County.
Through Setzer Financial, Cole offers small business owners, real estate investors, and professionals in Hickory and Charlotte, North Carolina a trusted partner for integrated financial planning. His unique background as a CPA, veteran, community leader, and family of business owners; gives him insight into the challenges clients face and the strategies that can help them grow, protect, and pass on their wealth.
Professional Designations
- Certified Public Accountant (CPA)
Affiliations
- Fee Only Network
- XY Planning Network
Primary Location
322 4th Street SW, Hickory, NC
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free initial conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About Setzer Financial
At Setzer Financial, we help small business owners and professionals simplify complexity, reduce taxes, and protect wealth. With CPA expertise and personalized planning, we free your time, maximize savings, and secure the legacy you’ve worked hard to build.Setzer Financial is structured to operate as an independent, fee-only fiduciary. This means we are legally and ethically obligated to put your best interests first, disclose conflicts of interest, and provide advice that is objective and transparent. This alignment of incentives is designed to give you confidence that recommendations are based on what’s right for you, not on how we get paid.
Your Personal CFO
Think of Setzer Financial as your personal CFO. We integrate tax planning, investment strategy, and business advisory services into one coordinated plan: freeing your time, lowering costs, and guiding every financial decision with the clarity and discipline your future deserves.
✔️ Time: Focus on What You Do Best
Your time is precious. We handle the complexity of financial planning, so you can focus on running your business, managing investments, and enjoying life, knowing your financial future is managed efficiently.
✔️ Taxes: Keep More of What You Earn
Taxes are often a business owner’s largest expense. With CPA expertise, we design proactive strategies to minimize liabilities, optimize deductions, and align planning with your goals; so you keep more of what you’ve built.
✔️ Treasure: Protect and Grow Your Wealth
Your wealth is more than numbers. It’s your family’s future. We create tailored strategies to preserve, grow, and transfer assets, balancing opportunity and protection so your treasure supports today’s needs and tomorrow’s legacy.
Who We Serve
We love serving clients in Hickory, Catawba County, and the surrounding Unifour region, and we also work with clients across North Carolina and, the United States. Using secure video conferencing and online tools, we can deliver the same high-touch planning experience virtually for busy professionals who can’t always make in-person meetings.
Education
Syracuse University, Master of Science - MS, Accounting | Appalachian State University, Master of Public Administration - MPA, Public Administration; Bachelor's degree, Criminal Justice/Police Science
Hobbies and Interests
- Family
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Dual Income Family
- Entrepreneurs
- Gen X
- Gen Y / Millennials
- Intergenerational Families
- Living in Retirement
- Parents
- Real Estate Investors
- Young Families
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