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Financial Advisors in El Cajon, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in El Cajon: Accredited Debt Relief, RFA Score 74/100; 4.8★ from 14,445 Google reviews; open 7 days a week.

  2. 3

    Most-reviewed: PDS Debt, 1,445 Google reviews at 4.9★, the most of 274 ranked after Accredited Debt Relief; ranked #3.

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

274 El Cajon financial advisors are ranked here by RFA Score, from eight published factors. 45 open Saturdays and 13 open Sundays, based on posted hours. The median Google rating is 5.0★ across 274 rated firms.

Top 10 financial advisors in El Cajon 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 El Cajon at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Accredited Debt Relief744.8★ (14,445)San Diego, 15 mi awaySat · Sun · EveningsTop score
2San Diego Homes Realty - Mike Aqrawi735.0★ (186)El CajonSat · Sun—
3PDS Debt724.9★ (1,445)San Diego, 14 mi awaySat · Sun · EveningsMost reviews
4Pure Financial Advisors, LLC715.0★ (191)San Diego, 10 mi away——
5Insurance Experts Solutions705.0★ (766)National City, 20 mi awaySat—
6Taxlana704.8★ (113)San Diego, 7 mi away——
7SimpliFi695.0★ (100)San Diego, 11 mi away——
8One Degree Advisors695.0★ (68)San Diego, 10 mi away——
9PracticeCFO695.0★ (112)San Diego, 14 mi away——
10Darrin A. Santos, CFP®-FSI Wealth695.0★ (77)San Diego, 11 mi away——

All 274 financial advisors in El Cajon, 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 El Cajon

    #1 Accredited Debt Relief

    Based in San Diego, 15 mi away

    74/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.8★ from 14,445 Google reviews, listed on Google as “Financial consultant”.

    • 4.8★ from 14,445 Google reviews
    Hours
    Mon–Fri 5 AM–8 PM · Sat–Sun 5 AM–7 PM
    Address
    4370 La Jolla Village Dr Ste 920, San Diego, CA 92122
    View profile for Accredited Debt Relief(855) 481-7154

  3. #3 PDS Debt

    Based in San Diego, 14 mi away

    72/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.9★ from 1,445 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 1,445 Google reviews
    Hours
    Mon–Sun 12 AM–12 AM
    Address
    13520 Evening Creek Dr N Ste 140, San Diego, CA 92128
    View profile for PDS Debt(435) 660-4722

  6. #6 Taxlana

    Based in San Diego, 7 mi away

    70/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.8★ from 113 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 113 Google reviews
    Address
    4950 Waring Rd Ste 8, San Diego, CA 92120
    View profile for Taxlana(619) 602-0697

  7. #7 SimpliFi

    Based in San Diego, 11 mi away

    69/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 5.0★ from 100 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 100 Google reviews
    Hours
    Mon–Fri 7:30 AM–4 PM · Sat–Sun closed
    Address
    9666 Businesspark Ave Ste 111, San Diego, CA 92131
    View profile for SimpliFi(858) 695-6600

  8. #8 One Degree Advisors

    Based in San Diego, 10 mi away

    69/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 68 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 68 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    3131 Camino Del Rio N Unit 740, San Diego, CA 92108
    View profile for One Degree Advisors(619) 282-3288

  9. #9 PracticeCFO

    Based in San Diego, 14 mi away

    69/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 112 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 112 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    13400 Sabre Springs Pkwy #255, San Diego, CA 92128
    View profile for PracticeCFO(800) 675-2712

  13. #13 Chillax Finance

    Based in San Diego, 10 mi away

    68/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 5.0★ from 41 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 41 Google reviews
    Address
    3288 Adams Ave #16473, San Diego, CA 92116
    View profile for Chillax Finance

  16. #16 TaliMar Financial

    Based in San Diego, 14 mi away

    68/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.9★ from 79 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 79 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat 12 AM–12 AM · Sun 8 AM–5 PM
    Address
    13520 Evening Creek Dr N Unit 380, San Diego, CA 92128
    View profile for TaliMar Financial(888) 868-8467

  18. #18 Brandon Welch, CFP®

    Based in La Mesa, 4 mi away

    68/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 16 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 16 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    5575 Lake Park Way #106, La Mesa, CA 91942
    View profile for Brandon Welch, CFP®(877) 692-7227

  20. #20 Platt Wealth Management

    Based in San Diego, 9 mi away

    68/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 5.0★ from 31 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 31 Google reviews
    Hours
    Mon–Thu 9 AM–4:30 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    3838 Camino Del Rio N Unit 365, San Diego, CA 92108
    View profile for Platt Wealth Management(619) 255-9554

  21. #21 Copley Wealth Management

    Based in San Diego, 13 mi away

    68/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.8★ from 82 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 82 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    5898 Copley Dr Ste 101, San Diego, CA 92111
    View profile for Copley Wealth Management(619) 294-6008

  22. #22 Creative Planning

    Based in San Diego, 18 mi away

    67/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 5.0★ from 99 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 99 Google reviews
    Address
    11260 El Camino Real Ste 220, San Diego, CA 92130
    View profile for Creative Planning(858) 764-7120

  24. #24 Canter Wealth

    Based in La Jolla, 19 mi away

    67/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 92 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 92 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    7825 Fay Ave #140, La Jolla, CA 92037
    View profile for Canter Wealth(858) 812-7550

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

financial advisors in El Cajon, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26SFS Life Settlements675.0★ (10)4 mi
27Encompass Financial Services675.0★ (81)19 mi
28First Command674.8★ (32)10 mi
29Ocean View Financial675.0★ (48)16 mi
30Asset Marketing Systems674.9★ (45)14 mi
31Verus Capital Partners675.0★ (22)10 mi
32Prosperity Private Wealth674.8★ (23)9 mi
33Waypoint Financial Partners675.0★ (4)In El Cajon
34Clutinger Williams and Verhoye665.0★ (10)6 mi
35Koala Financial and Bonita Tax Service664.7★ (28)9 mi
36Bohmfalk Siganoff Finance665.0★ (3)In El Cajon
37First Command Financial Advisor - Ruben Camacho664.9★ (19)10 mi
38The Options Lady665.0★ (56)19 mi
39Elite Wealth Management665.0★ (16)10 mi
401031 Capital Advisors665.0★ (20)12 mi
41American Profit Consulting665.0★ (21)13 mi
42Best Team Tax and Financial664.1★ (9)3 mi
43Financial Haus664.9★ (18)12 mi
44Wealth Legacy Group, Inc.665.0★ (15)11 mi
45Well-Traveled Wealth665.0★ (27)15 mi
46Imeson Wealth Partners LLC665.0★ (18)12 mi
47Tidemark Financial Partners664.9★ (27)15 mi
48Noble Financial Services664.0★ (12)4 mi
49Raymond Dexter Lpl: Dexter Raymond654.4★ (5)4 mi
50BMO Bank N.A Branches653.8★ (23)3 mi

Also serving El Cajon

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 El Cajon
BusinessGoogle ratingDistance
Bright Horizon Wealth ManagementIn El Cajon
cavorametalsgroup.comIn El Cajon
Edward Jones - Financial Advisor: Michael A Jackson5.0★ (1)In El Cajon
Edward Jones - Financial Advisor: Tony Jones5.0★ (1)In El Cajon
Funding Process ManagementIn El Cajon
Heath Family TrustIn El Cajon
J2X Wealth Advisors, LLCIn El Cajon
Jason Barney, ChFC, EA Wealth Alliance Tax & Financial Services, LLC5.0★ (2)In El Cajon
Lord & GladdenIn El Cajon
Marilyn KriebelIn El Cajon
Mountain West Financial, LLCIn El Cajon
Rundlett FinancialIn El Cajon
Straight Cents5.0★ (2)In El Cajon
The College Investor5.0★ (1)In El Cajon
TransAtlantic Investment PartnersIn El Cajon
Wells Fargo Advisors3.0★ (2)In El Cajon
Wells Fargo Advisors5.0★ (1)In El Cajon
Wells Fargo AdvisorsIn El Cajon
Wells Fargo AdvisorsIn El Cajon
WHA Financial AdvisorsIn El Cajon

How we ranked El Cajon financial advisors

We scored 274 El Cajon 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 El Cajon 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 El Cajon: frequently asked questions

Which financial advisor has the highest RFA Score in El Cajon?

By RFA Score, the highest-ranked financial advisor in El Cajon, CA is Accredited Debt Relief with an RFA Score of 74/100. It has 4.8★ from 14,445 Google reviews. It is open 7 days a week. San Diego Homes Realty - Mike Aqrawi (#2) and PDS Debt (#3) follow. We ranked 274 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in El Cajon?

RankedFinancialAdvisors ranks 274 financial advisors serving El Cajon, CA. 6 of them are based in El Cajon; 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 El Cajon work on weekends?

45 of 274 ranked financial advisors post Saturday hours and 13 post Sunday hours. The highest-ranked open Saturdays are Accredited Debt Relief (#1), San Diego Homes Realty - Mike Aqrawi (#2) and PDS Debt (#3). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do El Cajon financial advisors have?

The median Google rating among 274 rated financial advisors in El Cajon is 5.0★, with a median of 10 reviews. Accredited Debt Relief has the most, 14,445 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 El Cajon count in this ranking?

Yes, if they are within 25 mi of the El Cajon 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 El Cajon 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 El Cajon 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 El Cajon

  1. November 2026: RFA Scores recalculated for 274 financial advisors serving El Cajon.
  2. November 2026: 2 duplicate listings merged.

More financial advisors and El Cajon pages