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Charlotte Five Star award winner
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Bing C. Michael

Financial Planner/Private Wealth Advisor
Lincoln Financial Securities
7030 Ellington Farm Lane
Charlotte, NC 28227
Cell: 704-668-4827

Professional Approach

Bing's background in financial services (Morgan Stanley/MetLife/Lincoln Securities) and as CEO of a successful information technology business provides the foundation for his practice. This knowledge and experience gives him a mature independent pespective and a disciplined risk-reward approach to financial planning, insurance, and investments for individuals. He places his clients at the center of the relationship, strives to understand their requirements, and then implements through the client a financial strategy customized to their particular situation along with targeted finacial products where required. He is an Investment Advisor and registered representative of Lincoln Financial Securities Corp., (LFS). LFS promotes the use of an open architcture platform, providing the client with a broad spectrum of securities and insurance products from multiple product providers.


This award was issued on 8/1/22 by Five Star Professional (FSP) for the time period 10/11/2021 through 04/22/2022. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 1519 Charlotte-area wealth managers were considered for the award; 101 (7% of candidates) were named 2022 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2021: 1514, 106, 7%, 8/1/21, 10/5/20 - 4/30/21; 2020: 1488, 103, 7%, 8/1/20, 10/28/19 - 5/8/20; 2019: 1346, 129, 10%, 8/1/19, 10/22/18 - 5/24/19; 2018: 1342, 104, 8%, 8/1/18, 11/22/17 - 5/25/18; 2017: 949, 132, 14%, 8/1/17, 11/23/16 - 6/7/17; 2016: 873, 227, 26%, 7/1/16, 1/21/16 - 6/15/16; 2015: 1822, 277, 15%, 8/1/15, 1/21/15 - 6/15/15; 2014: 6776, 409, 6%, 8/1/14, 1/21/14 - 6/15/14; 2013: 1694, 280, 17%, 8/1/13, 1/21/13 - 6/15/13; 2012: 1083, 267, 25%, 8/1/12, 1/21/12 - 6/15/12.
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Securities and investment advisory services offered through Lincoln Financial Securities Corporation. Member SIPC. Insurance offered through Lincoln affiliates and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.



*Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria-required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria-considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance . Wealth Managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit