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Financial Advisors in Cathedral City, CA: 2026 rankings

51 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Cathedral City: Ernesto Arcos Financial Advisor, RFA Score 72/100; 5.0★ from 45 Google reviews; open Saturdays until 12 PM.

  2. 8

    Most-reviewed: Cesar & Associates Health Plan Advisors, 343 Google reviews at 5.0★, the most of 51 ranked; ranked #8.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

51 Cathedral City financial advisors are ranked here by RFA Score, from eight published factors. 10 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 5.0★ across 51 rated firms.

Top 10 financial advisors in Cathedral City at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial advisors in Cathedral City at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Ernesto Arcos Financial Advisor725.0★ (45)Cathedral CitySat · EveningsTop score
2MITM Business Consultants715.0★ (59)Palm Desert, 7 mi away——
3Raul Avila: Primerica - Financial Services705.0★ (46)Palm Desert, 7 mi away——
4My Money My Freedom705.0★ (31)La Quinta, 2 mi awaySat—
5Heslin Wealth Management, LLC675.0★ (18)Palm Springs, 5 mi away——
6Cypress Wealth Services675.0★ (18)Palm Desert, 6 mi away——
7Hancock Partners Wealth Strategies665.0★ (17)Palm Springs, 5 mi away——
8Cesar & Associates Health Plan Advisors655.0★ (343)Indio, 14 mi away—Most reviews
9Terry Sharpe: Primerica - Financial Services654.9★ (8)Cathedral City——
10Bank of America (with Drive-thru ATM)653.7★ (23)Rancho Mirage, 2 mi away——

All 51 financial advisors in Cathedral City, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  2. #2 MITM Business Consultants

    Based in Palm Desert, 7 mi away

    71/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 59 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 59 Google reviews
    Hours
    Mon–Thu 10 AM–4 PM · Fri 10 AM–2 PM · Sat–Sun closed
    Address
    74-710 CA-111 #102, Palm Desert, CA 92260
    View profile for MITM Business Consultants(760) 227-8868

  4. #4 My Money My Freedom

    Based in La Quinta, 2 mi away

    70/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 5.0★ from 31 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 31 Google reviews
    Hours
    Mon–Tue 10 AM–5 PM · Wed closed · Thu 10 AM–5 PM · Fri 10 AM–12 PM · Sat 10 AM–5 PM · Sun closed
    View profile for My Money My Freedom(480) 809-9498

  6. #6 Cypress Wealth Services

    Based in Palm Desert, 6 mi away

    67/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 5.0★ from 18 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 18 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    74150 Country Club Dr, Palm Desert, CA 92260
    View profile for Cypress Wealth Services(760) 834-7250

  24. #24 Charles Schwab

    Based in Indio, 7 mi away

    62/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 3.2★ from 13 Google reviews, listed on Google as “Financial consultant”.

    • 3.2★ from 13 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    74785 CA-111 STE 102, Indian Wells, CA 92210
    View profile for Charles Schwab(760) 836-3075

  25. #25 BMO Bank N.A Branches

    Based in Palm Desert, 7 mi away

    62/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 3.0★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 3.0★ from 21 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    74989 CA-111, Indian Wells, CA 92210
    View profile for BMO Bank N.A Branches(760) 469-4002

Financial advisors ranked #26 to #50

#1 to #25 are shown in full above. Here are #26 to #50, in RFA Score order; each links to its profile. We publish the top 50 of 51 ranked financial advisors here; the rest are on their profiles.

financial advisors in Cathedral City, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Cornerstone Wealth Management, LLC625.0★ (3)4 mi
27Banker’s Life & Casualty Company625.0★ (4)7 mi
28All County Desert Property Management624.4★ (258)9 mi
29Edward Jones - Financial Advisor: Cristian P Garcia, AWMA®625.0★ (3)5 mi
30Raymond James & Associates614.0★ (4)6 mi
31Bank of America Financial Center612.4★ (64)In Cathedral City
32Merrill Lynch Wealth Management614.3★ (4)7 mi
33Ensemble Wealth Management614.0★ (4)7 mi
34Finerty Fiduciary Services615.0★ (3)7 mi
35Bank of America (with Drive-thru ATM)612.7★ (53)7 mi
36FLC Capital Advisors615.0★ (3)7 mi
37Bank of America (with Drive-thru ATM)612.5★ (41)5 mi
38Kaiser Financial Services, Inc613.7★ (3)6 mi
39Maria Zuleima Martinez Zepeda: Primerica - Financial Services615.0★ (3)9 mi
40Prudential Insurance Co, Dean Mayo603.3★ (3)7 mi
41Indian Wells, CA Branch Office - UBS Financial Services Inc.603.7★ (3)8 mi
42Morgan Stanley Financial Advisors602.0★ (4)7 mi
43Bank of America (with Drive-thru ATM)602.9★ (84)14 mi
44Bank of America (with Drive-thru ATM)602.4★ (24)10 mi
45Bank of America (with Drive-thru ATM)592.1★ (68)3 mi
46Bank of America (with Drive-thru ATM)582.6★ (54)15 mi
47Bank of America (with Drive-thru ATM)582.2★ (47)11 mi
48Teachers Tax & Investment574.9★ (30)9 mi
49Primerica Financial Services565.0★ (20)9 mi
50Indian Wells Professional Center524.3★ (6)8 mi

Also serving Cathedral City

20 more financial advisors within 25 mi that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial advisors serving Cathedral City
BusinessGoogle ratingDistance
AIO Fee Only Financial Advisors1.0★ (1)5 mi
Anthony J. Mancini Investment Advisor5.0★ (1)4 mi
Bankers Life5.0★ (2)4 mi
Beacon Pointe Advisors5.0★ (2)7 mi
David M. Grossman, Attorney At Law5.0★ (2)6 mi
Desert Springs FinancialIn Cathedral City
Edward Jones - Financial Advisor: Alexa V Lawson3.0★ (2)24 mi
Edward Jones - Financial Advisor: Jeff Dewan5.0★ (1)4 mi
Edward Jones - Financial Advisor: Richard LaFerriere, ABFP®5.0★ (1)4 mi
Ernesto Arcos: Primerica - Financial Services5.0★ (1)In Cathedral City
Franz Tatum Wealth Management5.0★ (2)5 mi
Gregory Hill - Financial Advisor, Ameriprise Financial Services, LLC5.0★ (2)7 mi
JOHN W. KELLY JR, CFA, CFP5.0★ (1)4 mi
Modern Woodmen of America5.0★ (1)1 mi
RBC Wealth Management Branch - Palm Desert5.0★ (2)7 mi
Rinker Financial5.0★ (2)10 mi
Susy Hinojosa-Diosdado: Primerica - Financial Services4.0★ (1)In Cathedral City
U.S. Bancorp Advisors - Financial Advisors: Cathedral CityIn Cathedral City
U.S. Bank – Wealth Management Banker: Vanesa Rivera5.0★ (1)5 mi
Wells Fargo Advisors5.0★ (1)3 mi

How we ranked Cathedral City financial advisors

We scored 51 Cathedral City financial advisors on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Cathedral City data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial advisor

  1. Confirm the financial advisor and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial advisor

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial advisor?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial advisors in Cathedral City: frequently asked questions

Which financial advisor has the highest RFA Score in Cathedral City?

By RFA Score, the highest-ranked financial advisor in Cathedral City, CA is Ernesto Arcos Financial Advisor with an RFA Score of 72/100. It has 5.0★ from 45 Google reviews. It is open Saturdays until 12 PM. MITM Business Consultants (#2) and Raul Avila: Primerica - Financial Services (#3) follow. We ranked 51 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Cathedral City?

RankedFinancialAdvisors ranks 51 financial advisors serving Cathedral City, CA. 7 of them are based in Cathedral City; the rest serve it from nearby towns. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial advisors in Cathedral City work on weekends?

10 of 51 ranked financial advisors post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Ernesto Arcos Financial Advisor (#1), My Money My Freedom (#4) and Golden Legacy Wealth Advisors (#13). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Cathedral City financial advisors have?

The median Google rating among 51 rated financial advisors in Cathedral City is 5.0★, with a median of 9 reviews. Cesar & Associates Health Plan Advisors has the most, 343 reviews, and ranks #8. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial advisors?

Each financial advisor gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial advisors outside Cathedral City count in this ranking?

Yes, if they are within 25 mi of the Cathedral City city center, our service radius for financial advisors. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial advisors pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial advisor do?

Financial advisors help clients plan and manage their money, from budgeting and saving to investing, retirement and estate questions. In the US they work as registered investment adviser representatives, as broker-dealer representatives, or both.

How are financial advisors in Cathedral City ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial advice and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial advisor’s registration and record?

Search the person and the firm on Investor.gov (the SEC’s adviser search) and on FINRA BrokerCheck. A firm’s Form ADV and any disciplinary history are public there.

Is every financial advisor in Cathedral City a fiduciary?

Not necessarily. Investment adviser representatives owe a fiduciary duty on advisory accounts; broker-dealer representatives follow Regulation Best Interest when they recommend a security. Ask which applies to your account and read the firm’s Form CRS.

How much do financial advisors charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Cathedral City

  1. November 2026: RFA Scores recalculated for 51 financial advisors serving Cathedral City.
  2. November 2026: 1 duplicate listing merged.

More financial advisors and Cathedral City pages