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Financial Advisors in Imperial Beach, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Imperial Beach: Accredited Debt Relief, RFA Score 73/100; 4.8★ from 14,445 Google reviews; open 7 days a week.

  2. 41

    Most-reviewed: American Consumer Credit Counseling, Inc., 749 Google reviews at 5.0★, the most of 186 ranked after Accredited Debt Relief; ranked #41.

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

186 Imperial Beach financial advisors are ranked here by RFA Score, from eight published factors. 31 open Saturdays and 9 open Sundays, based on posted hours. The median Google rating is 5.0★ across 186 rated firms.

Top 10 financial advisors in Imperial Beach 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 Imperial Beach at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Accredited Debt Relief734.8★ (14,445)San Diego, 21 mi awaySat · Sun · EveningsTop score
2Pure Financial Advisors, LLC705.0★ (191)San Diego, 13 mi away——
3San Diego Homes Realty - Mike Aqrawi695.0★ (186)El Cajon, 17 mi awaySat · Sun—
4Darrin A. Santos, CFP®-FSI Wealth685.0★ (77)San Diego, 13 mi away——
5American Profit Consulting685.0★ (21)Chula Vista, 4 mi away——
6One Degree Advisors685.0★ (68)San Diego, 13 mi away——
7Taxlana684.8★ (113)San Diego, 14 mi away——
8Chillax Finance675.0★ (41)San Diego, 12 mi away——
9First Command Financial Advisor - Anna Beasley, RICP®675.0★ (43)San Diego, 13 mi away——
10Traction Wealth Management675.0★ (60)San Diego, 17 mi away——

All 186 financial advisors in Imperial Beach, 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 Imperial Beach

    #1 Accredited Debt Relief

    Based in San Diego, 21 mi away

    73/100RFA 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

  6. #6 One Degree Advisors

    Based in San Diego, 13 mi away

    68/100RFA Score

    Ranked #6 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

  7. #7 Taxlana

    Based in San Diego, 14 mi away

    68/100RFA Score

    Ranked #7 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

  8. #8 Chillax Finance

    Based in San Diego, 12 mi away

    67/100RFA Score

    Ranked #8 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

  12. #12 Canter Wealth

    Based in La Jolla, 20 mi away

    67/100RFA Score

    Ranked #12 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

  14. #14 SimpliFi

    Based in San Diego, 22 mi away

    66/100RFA Score

    Ranked #14 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

  15. #15 1031 Capital Advisors

    Based in San Diego, 10 mi away

    66/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 5.0★ from 20 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 20 Google reviews
    Hours
    Mon–Sun 7 AM–7 PM
    Address
    1975 Fifth Ave Unit C, San Diego, CA 92101
    View profile for 1031 Capital Advisors(858) 378-3838

  16. #16 Platt Wealth Management

    Based in San Diego, 14 mi away

    66/100RFA Score

    Ranked #16 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

  17. #17 Jon Luskin, CFP®

    Based in San Diego, 10 mi away

    66/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 5.0★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 17 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    San Diego, CA 92101
    View profile for Jon Luskin, CFP®

  20. #20 WealthChoice

    Based in Coronado, 8 mi away

    66/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 5.0★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 11 Google reviews
    Hours
    Mon–Fri 7 AM–4 PM · Sat–Sun closed
    Address
    1001 B Ave Ste 319, Coronado, CA 92118
    View profile for WealthChoice(858) 221-0022

  22. #22 Copley Wealth Management

    Based in San Diego, 18 mi away

    66/100RFA Score

    Ranked #22 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

  23. #23 First Command

    Based in San Diego, 13 mi away

    66/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 4.8★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 32 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    2650 Camino Del Rio N Suite 210, San Diego, CA 92108
    View profile for First Command(619) 299-8772

  24. #24 Verus Capital Partners

    Based in San Diego, 13 mi away

    66/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 22 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 22 Google reviews
    Hours
    Mon–Thu 8 AM–4 PM · Fri 8 AM–3 PM · Sat–Sun closed
    Address
    3111 Camino Del Rio N Suite 405, San Diego, CA 92108
    View profile for Verus Capital Partners(619) 282-7688

  25. #25 Creative Planning

    Based in San Diego, 25 mi away

    66/100RFA Score

    Ranked #25 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

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

financial advisors in Imperial Beach, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Financial Haus664.9★ (18)12 mi
27Daniel Shahmoradian, CFP - Financial Planner655.0★ (11)10 mi
28Business Broker Rita Barbato The A List Group654.9★ (76)22 mi
29First Command Financial Advisor - Ruben Camacho654.9★ (19)13 mi
30Ocean View Financial655.0★ (48)21 mi
31Elite Wealth Management655.0★ (16)13 mi
32Tam Wealth Management654.5★ (12)9 mi
33Cris Aguirre: Primerica - Financial Services655.0★ (3)4 mi
34San Diego Credit Repair Company655.0★ (8)10 mi
35Tushaus Wealth Management655.0★ (12)12 mi
36Edward Jones - Financial Advisor: Cesar Padilla, CFP®655.0★ (3)4 mi
37Robert Allen Mcclinton: Primerica - Financial Services654.3★ (11)8 mi
38Brandon Welch, CFP®655.0★ (16)14 mi
39Homeowners Financial Group655.0★ (7)10 mi
40Bookkeeping and Tax Pros655.0★ (7)10 mi
41American Consumer Credit Counseling, Inc.655.0★ (749)4 mi
42Broussard Financial Services655.0★ (7)10 mi
43The Financial Planning Company655.0★ (7)10 mi
44First Command Financial Advisor - David Morales655.0★ (11)13 mi
45McKenna Financial655.0★ (15)15 mi
46Prosperity Private Wealth644.8★ (23)17 mi
47Primerica Financial Services644.3★ (6)8 mi
48Client First Capital645.0★ (11)13 mi
49Byron Kelly, Life Licensed Financial Professional at World Financial Group (WFG)645.0★ (6)10 mi
50Sage Financial Planning645.0★ (9)12 mi

Also serving Imperial Beach

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 Imperial Beach
BusinessGoogle ratingDistance
Cade E Erautt - Financial Advisor, Ameriprise Financial Services, LLCIn Imperial Beach
Carlo Boton - Financial Advisor, Ameriprise Financial Services, LLCIn Imperial Beach
Edward Jones - Financial Advisor: Hayley N Beard, CFP®5.0★ (2)8 mi
Hilltop Securities Inc.3.0★ (2)10 mi
Holland Group Inc5.0★ (2)10 mi
Horace Mann Insurance Co1.0★ (2)4 mi
JPS Financial Services Inc.3.0★ (2)12 mi
llj ventures1.0★ (2)10 mi
LPL Financial: Sanders Alvin5.0★ (2)10 mi
Morgan Stanley Financial Advisors3.0★ (2)10 mi
RJ Patterson Group5.0★ (2)10 mi
Robert Bliss CPA3.0★ (2)4 mi
Sierra Wealth Strategies LLC5.0★ (2)13 mi
Smart Money LLC5.0★ (2)9 mi
Sunset Cliffs Capital5.0★ (2)12 mi
Trajan Wealth5.0★ (2)12 mi
Wells Fargo AdvisorsIn Imperial Beach
Wells Fargo Advisors3.0★ (2)4 mi
Wells Fargo Advisors3.0★ (2)7 mi
Wright Leonard5.0★ (2)10 mi

How we ranked Imperial Beach financial advisors

We scored 186 Imperial Beach 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 Imperial Beach 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 Imperial Beach: frequently asked questions

Which financial advisor has the highest RFA Score in Imperial Beach?

By RFA Score, the highest-ranked financial advisor in Imperial Beach, CA is Accredited Debt Relief with an RFA Score of 73/100. It has 4.8★ from 14,445 Google reviews. It is open 7 days a week. Pure Financial Advisors, LLC (#2) and San Diego Homes Realty - Mike Aqrawi (#3) follow. We ranked 186 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Imperial Beach?

RankedFinancialAdvisors ranks 186 financial advisors serving Imperial Beach, CA. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial advisors in Imperial Beach work on weekends?

31 of 186 ranked financial advisors post Saturday hours and 9 post Sunday hours. The highest-ranked open Saturdays are Accredited Debt Relief (#1), San Diego Homes Realty - Mike Aqrawi (#3) and 1031 Capital Advisors (#15). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Imperial Beach financial advisors have?

The median Google rating among 186 rated financial advisors in Imperial Beach 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 Imperial Beach count in this ranking?

Yes, if they are within 25 mi of the Imperial Beach 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 Imperial Beach 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 Imperial Beach 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 Imperial Beach

  1. November 2026: RFA Scores recalculated for 186 financial advisors serving Imperial Beach.
  2. November 2026: 1 duplicate listing merged.

More financial advisors and Imperial Beach pages