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Financial Advisors in Discovery Bay, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Discovery Bay: Insight Capital Management, RFA Score 70/100; 5.0★ from 145 Google reviews.

  2. 13

    Most-reviewed: Bank of America (with Drive-thru ATM), 131 Google reviews at 3.0★, the most of 140 ranked after Insight Capital Management; ranked #13.

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

140 Discovery Bay financial advisors are ranked here by RFA Score, from eight published factors. 37 open Saturdays and 6 open Sundays, based on posted hours. The median Google rating is 4.2★ across 140 rated firms.

Top 10 financial advisors in Discovery Bay 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 Discovery Bay at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Insight Capital Management705.0★ (145)Concord, 25 mi away—Top score
2Patelco Credit Union Brentwood674.2★ (71)Brentwood, 9 mi awaySat—
3Tomren & Sullivan Wealth Management675.0★ (59)San Ramon, 22 mi away——
4Paramount Tax & Accounting Lathrop - Manteca664.9★ (44)Lathrop, 18 mi away——
5Smeed CPA, Inc654.4★ (27)Brentwood, 5 mi away——
6Summit Wealth & Retirement Partners655.0★ (44)San Ramon, 22 mi away——
7Beyond Academy644.7★ (51)Pleasanton, 22 mi awaySat · Sun · Evenings—
8Homeowners Financial Group644.9★ (28)Stockton, 17 mi away——
9Patelco Credit Union San Ramon634.6★ (40)San Ramon, 22 mi awaySat—
10Bank of America Financial Center634.8★ (35)Danville, 23 mi away——

All 140 financial advisors in Discovery Bay, 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 Discovery Bay

    #1 Insight Capital Management

    Based in Concord, 25 mi away

    70/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 145 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 145 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    1390 Willow Pass Rd Ste 960, Concord, CA 94520
    View profile for Insight Capital Management(925) 362-9571

  5. #5 Smeed CPA, Inc

    Based in Brentwood, 5 mi away

    65/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.4★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 27 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    3341 Walnut Blvd Suite 304, Brentwood, CA 94513
    View profile for Smeed CPA, Inc(925) 634-2344

  7. #7 Beyond Academy

    Based in Pleasanton, 22 mi away

    64/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 4.7★ from 51 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 51 Google reviews
    Hours
    Mon–Sun 9 AM–8 PM
    Address
    4695 Chabot Dr STE 200, Pleasanton, CA 94588
    View profile for Beyond Academy(925) 690-2880

  11. #11 BMO Bank N.A Branches

    Based in Brentwood, 5 mi away

    62/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 3.9★ from 14 Google reviews, listed on Google as “Financial consultant”.

    • 3.9★ from 14 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    4540 Balfour Rd, Brentwood, CA 94513
    View profile for BMO Bank N.A Branches(925) 634-2161

  15. #15 F&M Bank

    Based in Stockton, 16 mi away

    61/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.3★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 21 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat–Sun closed
    Address
    4612 McGaw St, Stockton, CA 95207
    View profile for F&M Bank(209) 475-1128

  17. #17 BMO Bank N.A Branches

    Based in Antioch, 15 mi away

    61/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 3.9★ from 22 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 22 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    2507 Somersville Rd, Antioch, CA 94509
    View profile for BMO Bank N.A Branches(925) 754-1845

  22. #22 Ken R. Anderson, CPA

    Based in San Ramon, 22 mi away

    60/100RFA Score

    Ranked #22 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 9 AM–5 PM · Sat–Sun closed
    Address
    3180 Crow Canyon Pl #130, San Ramon, CA 94583
    View profile for Ken R. Anderson, CPA(925) 314-0930

  24. #24 F&M Bank

    Based in Stockton, 17 mi away

    60/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 4.0★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 21 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    205 Lincoln Center, Stockton, CA 95207
    View profile for F&M Bank(209) 475-1128

  25. #25 Mirador Capital Partners

    Based in Pleasanton, 24 mi away

    60/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 19 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 19 Google reviews
    Hours
    Mon–Fri 7 AM–5 PM · Sat–Sun closed
    Address
    6700 Koll Center Pkwy #230, Pleasanton, CA 94566
    View profile for Mirador Capital Partners(925) 621-1000

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 140 ranked financial advisors here; the rest are on their profiles.

financial advisors in Discovery Bay, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Patelco Credit Union Concord603.6★ (71)25 mi
27Tina Wells Lee & Associates605.0★ (12)17 mi
28VG Capital Financial Services LLC605.0★ (10)14 mi
29Roth IRA Group605.0★ (13)19 mi
30Homeowners Financial Group605.0★ (4)3 mi
31BMO Bank N.A Branches603.5★ (25)16 mi
32Klein Financial Solutions605.0★ (10)16 mi
33Bank of America (with Drive-thru ATM)603.0★ (72)16 mi
34Javier Ly Martinez: Primerica - Financial Services605.0★ (18)25 mi
35Jacob Bruce - Financial Professional605.0★ (10)16 mi
36Patelco Credit Union HQ603.4★ (54)21 mi
37Nuvision Credit Union594.1★ (24)22 mi
38Bank of America Financial Center593.3★ (72)22 mi
39Jason Cooke - Edelman Financial Engines595.0★ (14)22 mi
40Cadence Capital Investments595.0★ (14)23 mi
41PRODIGY595.0★ (9)16 mi
42Bank of America (with Drive-thru ATM)592.8★ (67)15 mi
43BMO Bank N.A Branches592.8★ (16)10 mi
44BMO Bank N.A Branches593.2★ (39)18 mi
45Bank of America Financial Center592.9★ (76)17 mi
46BayBridge Capital Group595.0★ (10)18 mi
47BMO Bank N.A Branches593.1★ (34)17 mi
48Homeowners Financial Group595.0★ (4)8 mi
49Brentwood Wealth Alliance- World Financial Group593.4★ (5)6 mi
50Charles Schwab593.8★ (11)15 mi

Also serving Discovery Bay

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 Discovery Bay
BusinessGoogle ratingDistance
American Express Financial Services3.0★ (2)14 mi
Barrett Financial5.0★ (1)In Discovery Bay
Bay Capital Mortgage5.0★ (2)23 mi
Best Financial Life5.0★ (2)19 mi
CAPTRUST5.0★ (2)22 mi
Carolin Collins: Primerica - Financial Services5.0★ (2)22 mi
Cojo Bay AdvisorsIn Discovery Bay
Edward Jones - Financial Advisor: Jeremy P Lenser, AAMS®5.0★ (2)22 mi
Edward Jones - Financial Advisor: Mike Phan5.0★ (2)15 mi
Edward Jones - Financial Advisor: Reijer G Groenveld5.0★ (2)13 mi
Franklin Templeton Investments5.0★ (2)22 mi
Homeowners Financial GroupIn Discovery Bay
Lee Ng & Associates1.0★ (2)22 mi
Pacific Wealth Planning, Inc.5.0★ (2)22 mi
Pleasanton WealthPleasanton Wealth Advisors5.0★ (2)23 mi
Reising Financial3.0★ (2)19 mi
Sisk Financial Services, Inc.3.0★ (2)16 mi
Smart Path Wealth Management5.0★ (2)22 mi
SPARK FINANCIALS5.0★ (2)21 mi
Willson & Company5.0★ (2)15 mi

How we ranked Discovery Bay financial advisors

We scored 140 Discovery Bay 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 Discovery Bay 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 Discovery Bay: frequently asked questions

Which financial advisor has the highest RFA Score in Discovery Bay?

By RFA Score, the highest-ranked financial advisor in Discovery Bay, CA is Insight Capital Management with an RFA Score of 70/100. It has 5.0★ from 145 Google reviews. Patelco Credit Union Brentwood (#2) and Tomren & Sullivan Wealth Management (#3) follow. We ranked 140 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Discovery Bay?

RankedFinancialAdvisors ranks 140 financial advisors serving Discovery Bay, CA. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial advisors in Discovery Bay work on weekends?

37 of 140 ranked financial advisors post Saturday hours and 6 post Sunday hours. The highest-ranked open Saturdays are Patelco Credit Union Brentwood (#2), Beyond Academy (#7) and Patelco Credit Union San Ramon (#9). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Discovery Bay financial advisors have?

The median Google rating among 140 rated financial advisors in Discovery Bay is 4.2★, with a median of 13 reviews. Insight Capital Management has the most, 145 reviews, and ranks #1. 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 Discovery Bay count in this ranking?

Yes, if they are within 25 mi of the Discovery Bay 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 Discovery Bay 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 Discovery Bay 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 Discovery Bay

  1. November 2026: RFA Scores recalculated for 140 financial advisors serving Discovery Bay.
  2. November 2026: 1 duplicate listing merged.

More financial advisors and Discovery Bay pages