How to Find a Financial Advisor Near You

Financial advisor matching services can connect you with an advisor for free. They're helpful if you're looking for a virtual advisor or an advisor near you.
Alana Benson
By Alana Benson 
Updated
Edited by Arielle O'Shea

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.


The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

If you search “financial advisor near me,” you’ll probably end up with a long list of financial advisory firms in your area.

You’ll want to select several to call and vet, perhaps setting up an initial consultation to ensure the firm, and any advisor who works for it, meets your financial planning needs and has expertise in the areas where you need help. You’ll also want to double-check the firm and/or advisor's credentials and confirm you understand the pay structure.

AD
Zoe Financial
Hire a Pro: See your Top 3 Matches
Get matched with fiduciaries, financial advisors and financial planners who will work with you to achieve your wealth goals. Book your free consultation today.
Find A Financial Advisor

via Zoe Financial

Paid non-client promotion

If you don’t want to jump through those hoops on your own, you can work with a matching firm that will help you find a financial advisor near you, or you can use a robo-advisor.

» Ready to get started? See our full list of the best financial advisors

🤓Nerdy Tip

You'll want to carefully vet a financial advisor before working with them, making sure you understand their pay structure and planning approach. We've compiled a list of 10 questions to ask a financial advisor to get you started.

How to find financial advisors near you

1. Use an online financial advisor matching service

It can take a while to find the right financial advisor, but some services will match you with an advisor in your area for free. Typically, the advisors pay to be part of the service's network, and the service vets the advisors for you. When you sign up, most services prompt you to take a quiz that determines which advisors would be the best fit for your financial needs and budget.

Here are four of the best financial advisor matching services according to our most recent review of financial advisors. Each matching service has a wide network of financial advisors, planners, CFPs and other financial pros across the U.S.

Zoe matches clients with vetted advisors who hold certified financial planner, certified public accountant and/or chartered financial analyst designations. Some of Zoe’s advisors can even help you with tax preparation. Zoe’s network advisors typically charge an annual fee that ranges from 0.50% to 1.50% of your assets under management, and the service offers a free initial consultation.

All of the financial advisory firms on the Harness Wealth platform are fiduciaries, which means they legally must work in the best interest of their clients. Network advisors include CFPs, CFAs, CPAs and tax attorneys. Harness' network advisors typically charge around 1% of assets under management. Flat fee structures are also available for some services, such as financial plans and tax preparation and filing.

Wealthramp offers a network of advisors that are vetted fiduciaries. Potential clients fill out an online survey and are matched with up to three advisors — they can then review the advisors' profiles and opt to schedule free initial consultations over phone, Zoom, chat or in person. Wealthramp takes care to match clients based on specific criteria — a local area or other preferences. For example, if you’d prefer to work with an advisor who identifies as a woman, you can filter for that.

Facet gives clients access to a wide range of its own fiduciary CFPs who can help with anything from financial and retirement planning to tax strategy and insurance. The advisory firm's unique draw is its flat-fee service model. This means you can work with a financial advisor on your specific goal, meet at a decided-upon checkpoint, and pay a predetermined flat fee for the services you need rather than a percentage of assets under management. Facet's financial advisors meet with clients online only.

2. Check the CFP Board website

The CFP Board is a professional certifying organization that sets the standards and requirements for earning a certified financial planner (CFP) designation. To become a certified financial planner, candidates must prove their competency by passing a rigorous exam that covers a wide range of financial planning topics. They must also fulfill a professional experience requirement.

The CFP Board allows you to search for certified advisors on their website using several criteria, including planning services, client focus and preferred language

CFP Board. Let's Make a Plan. Accessed Apr 19, 2023.
.

AD

Get a custom financial plan and unlimited access to a Certified Financial Planner™

Custom financial plan tailored to your situation and goals
Access to a Certified Financial Planner™ via calls or messaging
Low fee of $49/month* or $499/year
CHAT WITH AN ADVISOR

NerdWallet Advisory LLC

*3-month commitment to be set up for success.

3. Look into professional finance advisor organizations

There are national and local financial planner associations you can use to help you find the right financial planner. Here are just a few.

The Financial Planning Association

The FPA is a professional organization for financial planners, but it offers help for consumers as well, including access to pro bono services, and assistance finding a financial planner near you. The organization offers a location-based search for certified financial planners on its website

Financial Planning Association. Find a Financial Planner. Accessed Aug 11, 2023.
.

Association of African American Financial Advisors

The AAAA is a nonprofit membership organization whose mission is to help Black investors grow generational wealth through expert guidance. The organization can help you find a Black advisor who can assist you with all your financial needs. You can access its financial advisor directory via the organization's website

Association of African American Financial Advisors. Find a Financial Advisor. Accessed Apr 19, 2023.
.

The National Association of Personal Financial Advisors

NAPFA was founded in 1983 and supports over 4,400 financial planners and advisors across the country. NAPFA members are fee-only advisors and follow a strict code of ethics guided by their fiduciary duty, which means they must look out for your best interests when providing financial planning services

NAPFA. Find an Advisor. Accessed Apr 19, 2023.
.

4. Tap into a financial planning network

The Garrett Planning Network

The Garrett Planning Network's member advisors must be fee-only, offer financial planning services on an hourly or as-needed basis, be financially accessible, hold or be working toward a CFP, CPA or PFS designation and adhere to a fiduciary oath

Garrett Planning Network. Search Member Profiles. Accessed Apr 19, 2023.
.

XY Planning Network

Every XY Planning Network advisor offers virtual services. Advisors hold the CFP designation and work on a commission-free basis

XY Planning. Find a Financial Advisor. Accessed Apr 19, 2023.
.

CHIP

CHIP is a financial network focused on matching clients with Black, Hispanic and Latinx financial advisors and professionals, locally and virtually. The network's advisors work for a variety of financial advisory firms and can assist with estate planning, tax strategy and overall financial planning

CHIP. Search For a Pro. Accessed Jun 9, 2023.
.

5. Consider robo-advisors

Robo-advisors are automated services that invest your money for you. If you're just looking for investment management, a robo-advisor may be a good choice. Their fees are much lower than typical financial advisors (around 0.25% to 0.50%) and some come with extra features including access to human financial advisors and banking.

» Get started: Check out the best robo-advisors

6. Ask for a recommendation

Check in with family, friends or colleagues and see if they can make a recommendation. Often, people have long-term relationships with their financial advisor. If your friend has worked with an advisor for ten years and loves them, it's probably a good sign.

Track your finances all in one place.
Find ways to save more by tracking your income and net worth on NerdWallet.

How to find a virtual financial advisor

If you can’t find an advisor you like in your area, you may want to try an online service. Some offer videoconferencing, which makes it easier to connect virtually.

Most financial advisors who operate virtually are fairly competitive from a price standpoint, with a few charging fees as low as 0.30% or 0.40% of assets under management. These lower-cost advisors often offer investment management and access to a team of financial advisors, rather than pairing you with a dedicated advisor.

There are also online planning services that offer similar services as in-person advisors, such as comprehensive retirement planning, college planning, home buying and estate planning in addition to investment management. Some advisors include tax help and preparation services.

What to keep in mind when finding a local financial advisor

If you’d prefer to work with an advisor in your community, and you’re prepared to do the legwork yourself, here’s how to approach the process.

  • Know which services you’ll need. Financial advisors often have certifications that correspond to the types of services they offer, so make sure you know exactly what kind of help you want. Think about whether you’ll need assistance with estate planning, tax help or managing beneficiaries. If you’re just looking for investment management, you may want to consider using a robo-advisor or learning how to invest on your own.

  • Double-check an advisor’s certifications. Before you even make an appointment to talk with an advisor, you’ll want to look up and verify any certifications they have. “Financial advisor” is just a general term that anyone can call themselves. Aim to work with a CFP for financial planning and a , and verify those credentials on the respective licensing board’s website.

  • Show up with questions. It’s a good idea to interview an advisor before committing to working with them. This ensures not only that you like their strategies and options, but also that your personalities mesh and that you feel comfortable talking to them about your finances.

  • Verify their fee. At the end of the day, your financial advisor is offering a service you’re paying for. Make sure you’re OK with the fee they propose, and be sure you understand how their fee structure works. Many traditional advisors charge a percentage of your assets under management, typically around 1%, but some charge flat fees.

» Need more help? Read our cheat sheet on how to choose a financial advisor

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.
Nerdwallet advisors logo

Get a custom financial plan and unlimited access to a Certified Financial Planner™

  • Make progress on a personalized financial plan with your advisor always by your side

  • Get unlimited calls and messaging with your advisor whenever you need them

  • Unbiased, expert financial advice for a low price

NerdWallet Advisory LLC

Hand holding a piggy bank
AD