74/100RFA Score
Ranked #1 because of its Google rating and specialty focus: 4.9★ from 282 Google reviews, listed on Google as “Financial planner”.
Financial Advisors in Haverhill, MA: 2026 rankings
249 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest RFA Score in Haverhill: Terranova & Associates CPA, LLC, RFA Score 74/100; 4.9★ from 282 Google reviews.
- 6
Most-reviewed: Arcadia Financial, 245 Google reviews at 4.9★, the most of 249 ranked after Terranova & Associates CPA, LLC; ranked #6.
Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank
249 Haverhill financial advisors are ranked here by RFA Score, from eight published factors. 80 open Saturdays and 11 open Sundays, based on posted hours. The median Google rating is 4.7★ across 249 rated firms.
Top 10 financial advisors in Haverhill 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.
| Rank | Business | RFA Score | Google rating | Based in | Hours | Notable for |
|---|---|---|---|---|---|---|
| 1 | Terranova & Associates CPA, LLC | 74 | 4.9★ (282) | Danvers, 16 mi away | — | Top score |
| 2 | NJB Accounting Solutions, LLC | 73 | 5.0★ (96) | Salem, 6 mi away | Sat · Sun | — |
| 3 | Stonehearth Capital Management | 72 | 5.0★ (127) | Danvers, 14 mi away | — | — |
| 4 | Guardian Financial Services, LLC | 72 | 5.0★ (76) | Salem, 7 mi away | — | — |
| 5 | Venning Advisors (formerly Lane Rifkin) | 71 | 4.6★ (191) | Derry, 15 mi away | — | — |
| 6 | Arcadia Financial | 71 | 4.9★ (245) | Manchester, 25 mi away | — | Most reviews |
| 7 | Jane Harris: Primerica - Financial Services | 69 | 4.9★ (34) | Methuen, 5 mi away | — | — |
| 8 | Caleb Harty, Financial Advisor - Harty Financial | 69 | 4.9★ (41) | Chelmsford, 9 mi away | — | — |
| 9 | OpenRoad Wealth Advisors | 69 | 5.0★ (35) | Dracut, 9 mi away | — | — |
| 10 | Spano Dawicki & Witt | 68 | 4.9★ (72) | Saugus, 21 mi away | — | — |
All 249 financial advisors in Haverhill, 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.
Based in Salem, 6 mi away
73/100RFA ScoreRanked #2 because of its Google rating and specialty focus: 5.0★ from 96 Google reviews, listed on Google as “Financial planner”.
Based in Danvers, 14 mi away
72/100RFA ScoreRanked #3 because of its Google rating and specialty focus: 5.0★ from 127 Google reviews, listed on Google as “Financial advisor”.
Based in Salem, 7 mi away
72/100RFA ScoreRanked #4 because of its Google rating and specialty focus: 5.0★ from 76 Google reviews, listed on Google as “Financial planner”.
Based in Derry, 15 mi away
71/100RFA ScoreRanked #5 because of its Google rating and specialty focus: 4.6★ from 191 Google reviews, listed on Google as “Financial consultant”.
Based in Manchester, 25 mi away
71/100RFA ScoreRanked #6 because of its Google rating and specialty focus: 4.9★ from 245 Google reviews, listed on Google as “Financial planner”.
Based in Methuen, 5 mi away
69/100RFA ScoreRanked #7 because of its Google rating and specialty focus: 4.9★ from 34 Google reviews, listed on Google as “Financial consultant”.
Based in Chelmsford, 9 mi away
69/100RFA ScoreRanked #8 because of its Google rating and specialty focus: 4.9★ from 41 Google reviews, listed on Google as “Financial advisor”.
Based in Dracut, 9 mi away
69/100RFA ScoreRanked #9 because of its Google rating and specialty focus: 5.0★ from 35 Google reviews, listed on Google as “Financial planner”.
Based in Saugus, 21 mi away
68/100RFA ScoreRanked #10 because of its Google rating and specialty focus: 4.9★ from 72 Google reviews, listed on Google as “Financial planner”.
Based in Londonderry, 15 mi away
68/100RFA ScoreRanked #11 because of its Google rating and specialty focus: 5.0★ from 43 Google reviews, listed on Google as “Financial planner”.
Based in Methuen, 7 mi away
67/100RFA ScoreRanked #12 because of its Google rating and specialty focus: 4.7★ from 26 Google reviews, listed on Google as “Financial planner”.
#13 SHP Financial
Based in Woburn, 20 mi away
67/100RFA ScoreRanked #13 because of its Google rating and specialty focus: 5.0★ from 50 Google reviews, listed on Google as “Financial planner”.
Based in Westford, 23 mi away
67/100RFA ScoreRanked #14 because of its Google rating and specialty focus: 4.8★ from 73 Google reviews, listed on Google as “Financial planner”.
Based in North Andover, 8 mi away
67/100RFA ScoreRanked #15 because of its Google rating and specialty focus: 4.8★ from 23 Google reviews, listed on Google as “Financial planner”.
Based in Danvers, 14 mi away
67/100RFA ScoreRanked #16 because of its Google rating and specialty focus: 4.7★ from 37 Google reviews, listed on Google as “Financial consultant”.
Based in Tewksbury, 13 mi away
66/100RFA ScoreRanked #17 because of its Google rating and specialty focus: 4.5★ from 41 Google reviews, listed on Google as “Financial consultant”.
Based in Dracut, 9 mi away
66/100RFA ScoreRanked #18 because of its Google rating and specialty focus: 5.0★ from 19 Google reviews, listed on Google as “Financial planner”.
#19 Salem Five Bank
Based in Tewksbury, 15 mi away
66/100RFA ScoreRanked #19 because of its Google rating and specialty focus: 4.6★ from 39 Google reviews, listed on Google as “Financial planner”.
Based in Burlington, 21 mi away
66/100RFA ScoreRanked #20 because of its Google rating and specialty focus: 5.0★ from 42 Google reviews, listed on Google as “Financial planner”.
Based in Saugus, 21 mi away
66/100RFA ScoreRanked #21 because of its Google rating and specialty focus: 4.1★ from 171 Google reviews, listed on Google as “Financial planner”.
#22 Sentinel Group
Based in Wakefield, 18 mi away
66/100RFA ScoreRanked #22 because of its Google rating and specialty focus: 4.1★ from 113 Google reviews, listed on Google as “Financial planner”.
Based in Medford, 25 mi away
66/100RFA ScoreRanked #23 because of its Google rating and specialty focus: 4.9★ from 54 Google reviews, listed on Google as “Financial planner”.
Based in Lawrence, 6 mi away
66/100RFA ScoreRanked #24 because of its Google rating and specialty focus: 4.2★ from 22 Google reviews, listed on Google as “Financial planner”.
Based in Haverhill
65/100RFA ScoreRanked #25 because of its Google rating and specialty focus: 5.0★ from 7 Google reviews, listed on Google as “Financial planner”.
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 249 ranked financial advisors here; the rest are on their profiles.
Also serving Haverhill
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.
| Business | Google rating | Distance |
|---|---|---|
| Baystate Financial | In Haverhill | |
| Beaton Management Co | In Haverhill | |
| David Knechtle - Thrivent | In Haverhill | |
| Edward Jones - Financial Advisor: Amanda K Schell | In Haverhill | |
| Edward Jones - Financial Advisor: Jim Rubera | 5.0★ (2) | In Haverhill |
| Edward Jones - Financial Advisor: Kathryn Eason | In Haverhill | |
| Edward Jones - Financial Advisor: Michael J Quinn, AAMS® | In Haverhill | |
| Edward Jones - Financial Advisor: Tucker Schell | In Haverhill | |
| Elder Care Advantage LLC | In Haverhill | |
| James Henry - TD Wealth Financial Advisor | 5.0★ (1) | In Haverhill |
| James Henry - TD Wealth Financial Advisor | In Haverhill | |
| Journey Financing | In Haverhill | |
| LaGreca Wealth Management | In Haverhill | |
| Main Street Financial Advisory | In Haverhill | |
| Marked Rentals LLC | 5.0★ (1) | In Haverhill |
| One Retirement Source | In Haverhill | |
| Regina Moreira - TD Wealth Financial Advisor | In Haverhill | |
| TIAA Financial Services | 5.0★ (1) | In Haverhill |
| Trust Advisory Group | In Haverhill | |
| Wellth Financial Consulting | In Haverhill |
How we ranked Haverhill financial advisors
We scored 249 Haverhill 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.
| Factor | Weight | Computed from | In Haverhill data |
|---|---|---|---|
| Reputation | 30% | Google star rating, adjusted for how many reviews back it (client experience, not investment results) | Measured |
| Registration | 20% | Active SEC, state or Canadian securities registration matched in public records (not yet measured) | Not yet collected |
| Review volume | 10% | Number of Google reviews, compared with the most-reviewed firm on the list | Measured |
| Recency | 5% | Share of reviews from the last 12 months | Not yet collected |
| Specialty focus | 15% | How clearly the firm offers this specialty (its Google category and name) | Measured |
| Proximity | 5% | Based in the city scores highest, less the farther away it is | Measured |
| Claimed profile | 10% | The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same) | Measured |
| Partnered | 5% | The firm links to Ranked Financial Advisors from its own website with our badge, checked periodically | Measured |
How to choose a financial advisor
- 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.
- Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
- 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.
- Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
- Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
- Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
- 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 Haverhill: frequently asked questions
Which financial advisor has the highest RFA Score in Haverhill?
By RFA Score, the highest-ranked financial advisor in Haverhill, MA is Terranova & Associates CPA, LLC with an RFA Score of 74/100. It has 4.9★ from 282 Google reviews. NJB Accounting Solutions, LLC (#2) and Stonehearth Capital Management (#3) follow. We ranked 249 financial advisors on eight factors, last updated November 9, 2026.
How many financial advisors are there in Haverhill?
RankedFinancialAdvisors ranks 249 financial advisors serving Haverhill, MA. 2 of them are based in Haverhill; 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 Haverhill work on weekends?
80 of 249 ranked financial advisors post Saturday hours and 11 post Sunday hours. The highest-ranked open Saturdays are NJB Accounting Solutions, LLC (#2), Enterprise Bank (Part of Rockland Trust) (#12) and Salem Five Bank (#19). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.
What Google rating do Haverhill financial advisors have?
The median Google rating among 249 rated financial advisors in Haverhill is 4.7★, with a median of 11 reviews. Terranova & Associates CPA, LLC has the most, 282 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 Haverhill count in this ranking?
Yes, if they are within 25 mi of the Haverhill 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 Haverhill 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 Haverhill 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 Haverhill
- November 2026: RFA Scores recalculated for 249 financial advisors serving Haverhill.
- November 2026: 3 duplicate listings merged.
More financial advisors and Haverhill pages
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