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Financial Advisors in Encinitas, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Encinitas: Accredited Debt Relief, RFA Score 75/100; 4.8★ from 14,445 Google reviews; open 7 days a week.

  2. 5

    Most-reviewed: PDS Debt, 1,445 Google reviews at 4.9★, the most of 340 ranked after Accredited Debt Relief; ranked #5.

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

340 Encinitas financial advisors are ranked here by RFA Score, from eight published factors. 44 open Saturdays and 19 open Sundays, based on posted hours. The median Google rating is 5.0★ across 340 rated firms.

Top 10 financial advisors in Encinitas 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 Encinitas at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Accredited Debt Relief754.8★ (14,445)San Diego, 12 mi awaySat · Sun · EveningsTop score
2Insurance Experts Solutions745.0★ (766)National City, 8 mi awaySat—
3iMerge Financial734.9★ (574)Carlsbad, 6 mi awaySat · Sun—
4Offer Now Idaho LLC734.9★ (190)EncinitasSat · Sun · Evenings—
5PDS Debt734.9★ (1,445)San Diego, 13 mi awaySat · Sun · EveningsMost reviews
6Root Financial724.9★ (108)Encinitas——
7San Diego Tax & Financial Associates724.9★ (277)Carlsbad, 7 mi away——
8Deferred.com (Formerly Plenti Financial)715.0★ (144)Carlsbad, 7 mi awaySat · Sun · Evenings—
9IDA Wealth - Intelligence Driven Advisers715.0★ (131)Carlsbad, 7 mi away——
10Seaside Wealth Management705.0★ (78)Carlsbad, 7 mi away——

All 340 financial advisors in Encinitas, 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 Encinitas

    #1 Accredited Debt Relief

    Based in San Diego, 12 mi away

    75/100RFA 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 iMerge Financial

    Based in Carlsbad, 6 mi away

    73/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.9★ from 574 Google reviews, listed on Google as “Financial consultant”.

    • 4.9★ from 574 Google reviews
    Hours
    Mon–Sun 7 AM–6 PM
    Address
    701 Palomar Airport Rd #300, Carlsbad, CA 92011
    View profile for iMerge Financial(855) 684-4100

  5. #5 PDS Debt

    Based in San Diego, 13 mi away

    73/100RFA Score

    Ranked #5 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 Root Financial

    Based in Encinitas

    72/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.9★ from 108 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 108 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    1106 2nd St #102, Encinitas, CA 92024
    View profile for Root Financial(760) 452-0720

  10. #10 Seaside Wealth Management

    Based in Carlsbad, 7 mi away

    70/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 5.0★ from 78 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 78 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    6154 Innovation Way, Carlsbad, CA 92009
    View profile for Seaside Wealth Management(760) 730-8120

  13. #13 My Solo 401k Financial

    Based in Carlsbad, 6 mi away

    70/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.9★ from 91 Google reviews, listed on Google as “Financial consultant”.

    • 4.9★ from 91 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    701 Palomar Airport Rd #300, Carlsbad, CA 92011
    View profile for My Solo 401k Financial(800) 489-7571

  15. #15 Creative Planning

    Based in San Diego, 9 mi away

    70/100RFA Score

    Ranked #15 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

  18. #18 Trade Genie Inc.

    Based in Encinitas

    70/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.6★ from 70 Google reviews, listed on Google as “Financial consultant”.

    • 4.6★ from 70 Google reviews
    Hours
    Mon–Sun 6:30 AM–4 PM
    Address
    315 S Coast Hwy 101, Encinitas, CA 92024
    View profile for Trade Genie Inc.(212) 930-2245

  22. #22 Trajan Wealth

    Based in Carlsbad, 6 mi away

    70/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 5.0★ from 55 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 55 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    701 Palomar Airport Rd #300, Carlsbad, CA 92011
    View profile for Trajan Wealth(760) 607-4444

  23. #23 The Options Lady

    Based in San Diego, 7 mi away

    69/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 5.0★ from 56 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 56 Google reviews
    Hours
    Mon–Fri 9 AM–6:30 PM · Sat–Sun closed
    Address
    3814 Quarter Mile Dr, San Diego, CA 92130
    View profile for The Options Lady(858) 220-4736

  25. #25 MyDirect IRA

    Based in Oceanside, 12 mi away

    69/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 109 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 109 Google reviews
    Hours
    Mon–Fri 6 AM–6 PM · Sat 1 PM–4 PM · Sun closed
    Address
    4167 Avenida De La Plata #104, Oceanside, CA 92056
    View profile for MyDirect IRA(760) 303-5909

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

financial advisors in Encinitas, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26PracticeCFO695.0★ (112)13 mi
27DePauw Johnson Tax & Financial Services694.9★ (92)11 mi
28Artists Business Management Group - San Diego695.0★ (38)6 mi
29Alonso Moran: Primerica - Financial Services694.9★ (57)8 mi
30SimpliFi695.0★ (100)14 mi
31Birchwood Capital695.0★ (33)6 mi
32Canter Wealth695.0★ (92)13 mi
33Edward Jones - Financial Advisor: David S Peterson, CFP®694.9★ (46)7 mi
34Longhouse Wealth Management685.0★ (12)In Encinitas
35Tidewater Financial684.8★ (14)In Encinitas
36Business Broker Rita Barbato The A List Group684.9★ (76)12 mi
37TaliMar Financial684.9★ (79)13 mi
38Jim Lee Financial684.9★ (11)In Encinitas
39Pure Financial Advisors, LLC685.0★ (191)21 mi
40Starkey Brothers685.0★ (42)10 mi
41Chris Hayes: Primerica - Financial Services685.0★ (47)11 mi
42Guide My Finances685.0★ (35)9 mi
43Pacific Wealth Management684.9★ (34)8 mi
44First Command Financial Advisor - J Kelly Olson, PhD685.0★ (50)12 mi
45Ocean View Financial685.0★ (48)12 mi
46RG Bar Investment Group685.0★ (8)In Encinitas
47High Bluff Private Wealth685.0★ (22)7 mi
48Andrew Marshall Financial, LLC685.0★ (18)6 mi
49Edward Jones - Financial Advisor: Cole Heimerdinger, CFP®|CPWA®685.0★ (7)In Encinitas
50Define Financial674.9★ (24)7 mi

Also serving Encinitas

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 Encinitas
BusinessGoogle ratingDistance
.In Encinitas
20/20 Financial Advisers5.0★ (1)In Encinitas
Beacon Financial Management LLCIn Encinitas
Blake Baxter Jr, J.D. | LPL FinancialIn Encinitas
Edward Jones - Financial Advisor: Walter A Bowser II, CFP®|AAMS®5.0★ (2)In Encinitas
FuturePlan by AscensusIn Encinitas
Health Savings Associates Insurances Services IncIn Encinitas
Hold The Line Financial Services5.0★ (1)In Encinitas
Kelly Investment Management5.0★ (2)In Encinitas
Lifetime Financial Advisors, Inc.5.0★ (1)In Encinitas
LPL FinancialIn Encinitas
LTC Financial PartnersIn Encinitas
McCaffery Reserve Consulting - Reserve StudiesIn Encinitas
Merrill Lynch Financial Advisor Peter Huffman5.0★ (2)In Encinitas
Morgan Stanley Financial Advisors3.0★ (2)In Encinitas
Packard Senior Services3.0★ (2)In Encinitas
Profx Simplified1.0★ (1)In Encinitas
Solomon Wealth Management5.0★ (2)In Encinitas
Stout Capital Management LLC1.0★ (1)In Encinitas
Wei Chen 陈巍 - Morgan Stanley5.0★ (2)In Encinitas

How we ranked Encinitas financial advisors

We scored 340 Encinitas 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 Encinitas 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 Encinitas: frequently asked questions

Which financial advisor has the highest RFA Score in Encinitas?

By RFA Score, the highest-ranked financial advisor in Encinitas, CA is Accredited Debt Relief with an RFA Score of 75/100. It has 4.8★ from 14,445 Google reviews. It is open 7 days a week. Insurance Experts Solutions (#2) and iMerge Financial (#3) follow. We ranked 340 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Encinitas?

RankedFinancialAdvisors ranks 340 financial advisors serving Encinitas, CA. 12 of them are based in Encinitas; 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 Encinitas work on weekends?

44 of 340 ranked financial advisors post Saturday hours and 19 post Sunday hours. The highest-ranked open Saturdays are Accredited Debt Relief (#1), Insurance Experts Solutions (#2) and iMerge Financial (#3). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Encinitas financial advisors have?

The median Google rating among 340 rated financial advisors in Encinitas 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 Encinitas count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 340 financial advisors serving Encinitas.
  2. November 2026: 2 duplicate listings merged.

More financial advisors and Encinitas pages