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Financial Advisors in Cranford, NJ: 2026 rankings

1,124 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Cranford: Jonathan Barrett CFP®, CLU®, ChFC®, RICP®, RPS®, RFA Score 71/100; 5.0★ from 196 Google reviews; open Saturdays until 12 PM.

  2. 3

    Most-reviewed: Citizens Debt Relief, 1,569 Google reviews at 4.7★, the most of 1,124 ranked; ranked #3.

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

1,124 Cranford financial advisors are ranked here by RFA Score, from eight published factors. 374 open Saturdays and 107 open Sundays, based on posted hours. The median Google rating is 4.5★ across 1,124 rated firms.

Most of this list also appears on the Financial advisors in Newark ranking. See Financial advisors in Newark

Top 10 financial advisors in Cranford 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 Cranford at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Jonathan Barrett CFP®, CLU®, ChFC®, RICP®, RPS®715.0★ (196)Woodbridge, 7 mi awaySat · EveningsTop score
2The Debt Relief Company715.0★ (208)Staten Island, 11 mi away——
3Citizens Debt Relief714.7★ (1,569)New York City, 18 mi away—Most reviews
4Prudent Financial Solutions, Inc.704.8★ (655)New York City, 18 mi awaySat · Evenings—
5GRANTvest Financial Group695.0★ (241)East Brunswick, 17 mi awaySat · Sun · Evenings—
6Premium Paybacks WC Insurance Recovery695.0★ (231)Brooklyn, 17 mi away——
7PREMIÉR ACCOUNTING, TAX & BUSINESS694.8★ (477)Brooklyn, 18 mi awaySat · Evenings—
8B & R Accountants CPA695.0★ (289)New York City, 22 mi awaySat—
9E&Q Tax Accounting & Business Solutions684.8★ (396)Hackensack, 21 mi away——
10Kapitus684.5★ (904)New York City, 18 mi away——

All 1,124 financial advisors in Cranford, 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.

  1. Ranked #1 in Cranford

    #1 Jonathan Barrett CFP®, CLU®, ChFC®, RICP®, RPS®

    Based in Woodbridge, 7 mi away

    71/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 196 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 196 Google reviews
    Hours
    Mon 7:30 AM–7 PM · Tue 7:30 AM–3 PM · Wed–Thu 7:30 AM–7 PM · Fri 7:30 AM–2 PM · Sat 9 AM–12 PM · Sun closed
    Address
    90 Woodbridge Center Dr #700, Woodbridge, NJ 07095
    View profile for Jonathan Barrett CFP®, CLU®, ChFC®, RICP®, RPS®(973) 809-8920

  2. #2 The Debt Relief Company

    Based in Staten Island, 11 mi away

    71/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 208 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 208 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat–Sun closed
    Address
    480 Castleton Ave, Staten Island, NY 10301
    View profile for The Debt Relief Company(888) 344-0214

  3. #3 Citizens Debt Relief

    Based in New York City, 18 mi away

    71/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.7★ from 1,569 Google reviews, listed on Google as “Financial consultant”.

    • 4.7★ from 1,569 Google reviews
    Hours
    Mon–Thu 10 AM–5 PM · Fri 10 AM–4 PM · Sat–Sun closed
    Address
    99 Madison Ave Suite 901, New York, NY 10016
    View profile for Citizens Debt Relief(800) 560-3956

  8. #8 B & R Accountants CPA

    Based in New York City, 22 mi away

    69/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 289 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 289 Google reviews
    Hours
    Mon–Sat 10:30 AM–6 PM · Sun closed
    Address
    1660 Amsterdam Ave, New York, NY 10031
    View profile for B & R Accountants CPA(212) 234-3694

  10. #10 Kapitus

    Based in New York City, 18 mi away

    68/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 4.5★ from 904 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 904 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    120 W 45th St, New York, NY 10036
    View profile for Kapitus(800) 780-7133

  11. #11 Falbo Wealth Management

    Based in New Providence, 6 mi away

    68/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 54 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 54 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    70 Floral Ave, New Providence, NJ 07974
    View profile for Falbo Wealth Management(908) 490-1190

  16. #16 Beacon Pointe Advisors

    Based in Summit, 5 mi away

    67/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.9★ from 46 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 46 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    47 Maple St #306, Summit, NJ 07901
    View profile for Beacon Pointe Advisors(973) 287-5437

  17. #17 OceanFirst Bank

    Based in Westfield, 3 mi away

    67/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 4.7★ from 45 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 45 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    520 South Ave W, Westfield, NJ 07090
    View profile for OceanFirst Bank(888) 623-2633

  18. #18 ValueCap Lenders

    Based in Brooklyn, 16 mi away

    67/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 94 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 94 Google reviews
    Hours
    Mon–Thu 9 AM–6 PM · Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1055 63rd St, Brooklyn, NY 11219
    View profile for ValueCap Lenders(212) 571-1757

  19. #19 Klyman Financial

    Based in New York City, 18 mi away

    67/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 4.9★ from 144 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 144 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    675 3rd Ave #920, New York, NY 10017
    View profile for Klyman Financial(201) 640-6905

  22. #22 Beneficial Wealth

    Based in Berkeley Heights, 6 mi away

    67/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 4.9★ from 41 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 41 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    200 Connell Dr Ste 1000, Berkeley Heights, NJ 07922
    View profile for Beneficial Wealth(908) 254-2779

  23. #23 Justin Branch, CFP

    Based in Woodbridge, 7 mi away

    67/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 5.0★ from 39 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 39 Google reviews
    Hours
    Mon 7:30 AM–7 PM · Tue–Wed 7:30 AM–6 PM · Thu 7:30 AM–7 PM · Fri–Sun closed
    Address
    90 Woodbridge Center Dr 7th Floor, Woodbridge, NJ 07095
    View profile for Justin Branch, CFP(732) 326-5262

  24. #24 Business Debt Adjusters

    Based in Englewood, 23 mi away

    67/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 4.8★ from 259 Google reviews, listed on Google as “Financial consultant”.

    • 4.8★ from 259 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    120 Sylvan Ave #302, Englewood Cliffs, NJ 07632
    View profile for Business Debt Adjusters(877) 817-0404

  25. #25 On Time Capital

    Based in Brooklyn, 19 mi away

    67/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 4.9★ from 124 Google reviews, listed on Google as “Financial consultant”.

    • 4.9★ from 124 Google reviews
    Hours
    Mon–Fri 8 AM–8 PM · Sat closed · Sun 8 AM–8 PM
    Address
    899 Montgomery St Office, Brooklyn, NY 11213
    View profile for On Time Capital(646) 389-4747

How we ranked Cranford financial advisors

We scored 1,124 Cranford 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 Cranford 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 Cranford: frequently asked questions

Which financial advisor has the highest RFA Score in Cranford?

By RFA Score, the highest-ranked financial advisor in Cranford, NJ is Jonathan Barrett CFP®, CLU®, ChFC®, RICP®, RPS® with an RFA Score of 71/100. It has 5.0★ from 196 Google reviews. It is open Saturdays until 12 PM. The Debt Relief Company (#2) and Citizens Debt Relief (#3) follow. We ranked 1,124 financial advisors on eight factors, last updated November 9, 2026.

Which financial advisors in Cranford work on weekends?

374 of 1,124 ranked financial advisors post Saturday hours and 107 post Sunday hours. The highest-ranked open Saturdays are Jonathan Barrett CFP®, CLU®, ChFC®, RICP®, RPS® (#1), Prudent Financial Solutions, Inc. (#4) and GRANTvest Financial Group (#5). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Cranford financial advisors have?

The median Google rating among 1,124 rated financial advisors in Cranford is 4.5★, with a median of 12 reviews. Citizens Debt Relief has the most, 1,569 reviews, and ranks #3. 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 Cranford count in this ranking?

Yes, if they are within 25 mi of the Cranford 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 Cranford 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 Cranford 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 Cranford

  1. November 2026: RFA Scores recalculated for 1,124 financial advisors serving Cranford.
  2. November 2026: 23 duplicate listings merged.

More financial advisors and Cranford pages