Skip to content

Financial Advisors in Cobourg, ON: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Cobourg: Harmer Wealth Management Corp., RFA Score 71/100; 5.0★ from 86 Google reviews; open Saturdays until 2 PM.

  2. 13

    Most-reviewed: Scotiabank, 94 Google reviews at 2.9★, the most of 29 ranked; ranked #13.

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

29 Cobourg financial advisors are ranked here by RFA Score, from eight published factors. 3 open Saturdays, based on posted hours. The median Google rating is 4.8★ across 29 rated firms.

Top 10 financial advisors in Cobourg 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 Cobourg at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Harmer Wealth Management Corp.715.0★ (86)Oshawa, 36 km awaySatTop score
2Co-operators - Wright Insurance & Investments Inc.694.1★ (33)Cobourg——
3BMO Bank of Montreal653.0★ (32)Cobourg——
4Scotiabank654.3★ (16)Port Hope, 10 km away——
5McInroy & Associates Private Wealth Management655.0★ (29)Peterborough, 39 km away——
6Scotiabank642.6★ (32)Cobourg——
7Assante Wealth Management644.5★ (6)Cobourg——
8Racine Financial Ltd.635.0★ (6)Port Hope, 10 km away——
9BMO Bank of Montreal633.1★ (15)Port Hope, 10 km away——
10Harbr Financial Group624.9★ (19)Peterborough, 40 km away——

All 29 financial advisors in Cobourg, 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.

  3. #3 BMO Bank of Montreal

    Based in Cobourg

    65/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 3.0★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 3.0★ from 32 Google reviews
    Hours
    Mon–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    62 King St W, Cobourg, ON K9A 2L9
    View profile for BMO Bank of Montreal(905) 372-6833

  4. #4 Scotiabank

    Based in Port Hope, 10 km away

    65/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 4.3★ from 16 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 16 Google reviews
    Hours
    Mon–Tue 9:30 AM–4 PM · Wed closed · Thu 9:30 AM–4 PM · Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    69 Walton St, Port Hope, ON L1A 3W3
    View profile for Scotiabank(905) 885-6311

  5. #5 McInroy & Associates Private Wealth Management

    Based in Peterborough, 39 km away

    65/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 29 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 29 Google reviews
    Hours
    Mon–Tue 9 AM–4:30 PM · Wed 9 AM–4:40 PM · Thu 9 AM–4:30 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    1743 Lansdowne St W, Peterborough, ON K9K 2G9
    View profile for McInroy & Associates Private Wealth Management(705) 748-1950

  6. #6 Scotiabank

    Based in Cobourg

    64/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 2.6★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 2.6★ from 32 Google reviews
    Hours
    Mon–Tue 9:30 AM–5 PM · Wed closed · Thu–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    68 King St W, Cobourg, ON K9A 2M3
    View profile for Scotiabank(905) 372-3361

  8. #8 Racine Financial Ltd.

    Based in Port Hope, 10 km away

    63/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 6 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 6 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    37 Walton St #201, Port Hope, ON L1A 1N2
    View profile for Racine Financial Ltd.(905) 885-0815

  9. #9 BMO Bank of Montreal

    Based in Port Hope, 10 km away

    63/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 3.1★ from 15 Google reviews, listed on Google as “Financial planner”.

    • 3.1★ from 15 Google reviews
    Hours
    Mon–Fri 10 AM–5 PM · Sat–Sun closed
    Address
    70 Walton St, Port Hope, ON L1A 3W3
    View profile for BMO Bank of Montreal(905) 885-4531

  10. #10 Harbr Financial Group

    Based in Peterborough, 40 km away

    62/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 4.9★ from 19 Google reviews, listed on Google as “Financial advisor”.

    • 4.9★ from 19 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–12:30 PM · Sat–Sun closed
    Address
    57 Hunter St E, Peterborough, ON K9H 1G4
    View profile for Harbr Financial Group(705) 742-7331

  12. #12 4 Pillars Consulting

    Based in Peterborough, 40 km away

    60/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.8★ from 13 Google reviews, listed on Google as “Financial consultant”.

    • 4.8★ from 13 Google reviews
    Hours
    Mon 9 AM–5 PM · Tue 9:30 AM–7 PM · Wed 9 AM–5 PM · Thu 9:30 AM–7 PM · Fri 9:30 AM–4 PM · Sat–Sun closed
    Address
    360 George St N, Peterborough, ON K9H 7E7
    View profile for 4 Pillars Consulting(705) 201-1327

  13. #13 Scotiabank

    Based in Peterborough, 39 km away

    60/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 2.9★ from 94 Google reviews, listed on Google as “Financial planner”.

    • 2.9★ from 94 Google reviews
    Hours
    Mon–Tue 9:30 AM–5 PM · Wed closed · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–3 PM · Sun closed
    Address
    780 Clonsilla Ave, Peterborough, ON K9J 5Y3
    View profile for Scotiabank(705) 748-5681

  16. #16 Park Place Financial Ltd.

    Based in Peterborough, 40 km away

    58/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 5.0★ from 7 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 7 Google reviews
    Hours
    Mon–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    270 George St N Ste 101, Peterborough, ON K9J 3H1
    View profile for Park Place Financial Ltd.(705) 748-5182

  17. #17 BMO Bank of Montreal

    Based in Peterborough, 38 km away

    58/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 2.6★ from 63 Google reviews, listed on Google as “Financial planner”.

    • 2.6★ from 63 Google reviews
    Hours
    Mon–Wed 9:30 AM–5 PM · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–4 PM · Sun closed
    Address
    645 Lansdowne St W, Peterborough, ON K9J 7Y5
    View profile for BMO Bank of Montreal(705) 745-5714

  18. #18 Herod Financial Services - Peterborough, Manulife Wealth Incorporated

    Based in Peterborough, 40 km away

    57/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.8★ from 5 Google reviews, listed on Google as “Financial consultant”.

    • 4.8★ from 5 Google reviews
    Hours
    Mon–Thu 9 AM–4:30 PM · Fri 9 AM–2 PM · Sat–Sun closed
    Address
    311 George St N #100, Peterborough, ON K9J 3H3
    View profile for Herod Financial Services - Peterborough, Manulife Wealth Incorporated(705) 741-5287

  23. #23 IG Wealth Management

    Based in Peterborough, 39 km away

    56/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 4.0★ from 4 Google reviews, listed on Google as “Financial advisor”.

    • 4.0★ from 4 Google reviews
    Hours
    Mon–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    1743 Lansdowne St W, Peterborough, ON K9K 2G9
    View profile for IG Wealth Management(705) 876-1282

  25. #25 Black's Financial Planning Services Inc. / Investia Financial Serv Inc. (previously HollisWealth)

    Based in Peterborough, 40 km away

    56/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 3 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    1189 Clonsilla Ave, Peterborough, ON K9J 5Y6
    View profile for Black's Financial Planning Services Inc. / Investia Financial Serv Inc. (previously HollisWealth)(705) 740-0564

All 29 financial advisors

#1 to #25 are shown in full above. Here are #26 to #29, in RFA Score order; each links to its profile.

financial advisors in Cobourg, ranks 26 to 29
RankBusinessRFA ScoreGoogle ratingDistance
26Curry Financial Group565.0★ (3)40 km
27Heritage Wealth Services565.0★ (3)40 km
28MNP Debt - Licensed Insolvency Trustees Bankruptcy & Consumer Proposals554.9★ (34)40 km
29CIBC Wood Gundy Peterborough Branch552.3★ (3)40 km

Also serving Cobourg

20 more financial advisors within 40 km that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial advisors serving Cobourg
BusinessGoogle ratingDistance
Adam Frybort - TD Account Manager Small BusinessIn Cobourg
Ashley Smith - Advisor Sun Life Financial3.0★ (2)In Cobourg
CIBC Business Advisor: Tenecia WilliamsIn Cobourg
CIBC Financial Advisor: Jessica JonesIn Cobourg
CIBC Financial Advisor: Satie WardIn Cobourg
CIBC Mortgage Advisor: Kanwaldeep NagraIn Cobourg
CIBC Mortgage Advisor: Leanne BoothIn Cobourg
CIBC Private Wealth -Wood Gundy1.0★ (1)In Cobourg
Cobourg of RBC Dominion Securities Inc.In Cobourg
Edward Jones - Financial Advisor: Chantelle Clarke, CFP®In Cobourg
Edward Jones - Financial Advisor: Christopher Bonnici, PFP®In Cobourg
Edward Jones - Financial Advisor: Jenny Bryans3.0★ (2)In Cobourg
Edward Jones - Financial Advisor: Jesse Trajkovski5.0★ (1)In Cobourg
Emmons Financial ServicesIn Cobourg
Ganson Wealth Management - RBC Dominion Securities Inc.In Cobourg
Gibbons Wealth Management of RBC Dominion Securities Inc.In Cobourg
Harbour Legacy5.0★ (1)In Cobourg
Sean Moloney - RBC Dominion Securities Inc.In Cobourg
Stephen Cragg - Insurance Advisor Group Benefits and Pension Broker5.0★ (1)In Cobourg
Sun Life Financial3.0★ (2)In Cobourg

How we ranked Cobourg financial advisors

We scored 29 Cobourg 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 Cobourg 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 Cobourg: frequently asked questions

Which financial advisor has the highest RFA Score in Cobourg?

By RFA Score, the highest-ranked financial advisor in Cobourg, ON is Harmer Wealth Management Corp. with an RFA Score of 71/100. It has 5.0★ from 86 Google reviews. It is open Saturdays until 2 PM. Co-operators - Wright Insurance & Investments Inc. (#2) and BMO Bank of Montreal (#3) follow. We ranked 29 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Cobourg?

RankedFinancialAdvisors ranks 29 financial advisors serving Cobourg, ON. 4 of them are based in Cobourg; the rest serve it from nearby towns. Another 20 within 40 km are listed but not ranked yet. Counts are as of November 2026.

Which financial advisors in Cobourg work on weekends?

3 of 29 ranked financial advisors post Saturday hours. The highest-ranked open Saturdays are Harmer Wealth Management Corp. (#1), Scotiabank (#13) and BMO Bank of Montreal (#17). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Cobourg financial advisors have?

The median Google rating among 29 rated financial advisors in Cobourg is 4.8★, with a median of 8 reviews. Scotiabank has the most, 94 reviews, and ranks #13. 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 Cobourg count in this ranking?

Yes, if they are within 40 km of the Cobourg city centre, 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 Cobourg 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?

Search the person and the firm on the Canadian Securities Administrators’ National Registration Search, and for investment and mutual fund dealer representatives on CIRO AdvisorReport.

Who regulates financial advisors in Cobourg?

Advisors who sell or recommend securities register with the provincial securities regulator, and representatives of investment and mutual fund dealers are also overseen by CIRO. In Ontario, the titles “Financial Planner” and “Financial Advisor” are restricted to people holding a credential approved by FSRA.

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 Cobourg

  1. November 2026: RFA Scores recalculated for 29 financial advisors serving Cobourg.

More financial advisors and Cobourg pages