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Financial Advisors in La Jolla, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in La Jolla: Accredited Debt Relief, RFA Score 77/100; 4.8★ from 14,445 Google reviews; open 7 days a week.

  2. 2

    Most-reviewed: PDS Debt, 1,445 Google reviews at 4.9★, the most of 354 ranked after Accredited Debt Relief; ranked #2.

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

354 La Jolla financial advisors are ranked here by RFA Score, from eight published factors. 53 open Saturdays and 19 open Sundays, based on posted hours. The median Google rating is 5.0★ across 354 rated firms.

Top 10 financial advisors in La Jolla 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 La Jolla at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Accredited Debt Relief774.8★ (14,445)San Diego, 4 mi awaySat · Sun · EveningsTop score
2PDS Debt724.9★ (1,445)San Diego, 13 mi awaySat · Sun · EveningsMost reviews
3Canter Wealth725.0★ (92)La Jolla——
4Insurance Experts Solutions725.0★ (766)National City, 16 mi awaySat—
5Pure Financial Advisors, LLC715.0★ (191)San Diego, 10 mi away——
6Ocean View Financial715.0★ (48)La Jolla——
7Creative Planning715.0★ (99)San Diego, 6 mi away——
8Traction Wealth Management705.0★ (60)San Diego, 4 mi away——
9Encompass Financial Services705.0★ (81)San Diego, 7 mi away——
10iMerge Financial704.9★ (574)Carlsbad, 19 mi awaySat · Sun—

All 354 financial advisors in La Jolla, 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 La Jolla

    #1 Accredited Debt Relief

    Based in San Diego, 4 mi away

    77/100RFA 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

  2. #2 PDS Debt

    Based in San Diego, 13 mi away

    72/100RFA Score

    Ranked #2 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

  3. #3 Canter Wealth

    Based in La Jolla

    72/100RFA Score

    Ranked #3 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

  6. #6 Ocean View Financial

    Based in La Jolla

    71/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 5.0★ from 48 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 48 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    4250 Executive Square Ste 400, La Jolla, CA 92037
    View profile for Ocean View Financial

  7. #7 Creative Planning

    Based in San Diego, 6 mi away

    71/100RFA Score

    Ranked #7 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

  10. #10 iMerge Financial

    Based in Carlsbad, 19 mi away

    70/100RFA Score

    Ranked #10 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

  11. #11 SimpliFi

    Based in San Diego, 10 mi away

    70/100RFA Score

    Ranked #11 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

  14. #14 Copley Wealth Management

    Based in San Diego, 6 mi away

    69/100RFA Score

    Ranked #14 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

  15. #15 The Options Lady

    Based in San Diego, 8 mi away

    69/100RFA Score

    Ranked #15 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

  16. #16 PracticeCFO

    Based in San Diego, 13 mi away

    69/100RFA Score

    Ranked #16 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

  17. #17 One Degree Advisors

    Based in San Diego, 10 mi away

    69/100RFA Score

    Ranked #17 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

  19. #19 Well-Traveled Wealth

    Based in San Diego, 4 mi away

    68/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 5.0★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 27 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    9191 Towne Centre Dr #370, San Diego, CA 92122
    View profile for Well-Traveled Wealth(858) 880-0356

  21. #21 Root Financial

    Based in Encinitas, 13 mi away

    68/100RFA Score

    Ranked #21 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

  25. #25 Taxlana

    Based in San Diego, 12 mi away

    68/100RFA Score

    Ranked #25 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

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

financial advisors in La Jolla, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Dyer Wealth Management685.0★ (12)In La Jolla
27Pacific Wealth Management684.9★ (34)6 mi
28Edward Jones - Financial Advisor: David S Peterson, CFP®684.9★ (46)8 mi
29First Command Financial Advisor - Anna Beasley, RICP®685.0★ (43)10 mi
30WestPac® Wealth Partners (San Diego)684.9★ (27)6 mi
31TaliMar Financial684.9★ (79)13 mi
32Deferred.com (Formerly Plenti Financial)685.0★ (144)20 mi
33Holland Strategic Wealth Advisors684.9★ (10)In La Jolla
34Chillax Finance685.0★ (41)11 mi
35EP Wealth Advisors685.0★ (14)3 mi
36IDA Wealth - Intelligence Driven Advisers685.0★ (131)20 mi
37Tidemark Financial Partners674.9★ (27)7 mi
38High Bluff Private Wealth675.0★ (22)7 mi
39Define Financial674.9★ (24)7 mi
40Coastwise Capital Group, LLC674.6★ (10)In La Jolla
41Financial Alternatives, Inc675.0★ (7)In La Jolla
42Satori Wealth Management, Inc.675.0★ (13)4 mi
43Platt Wealth Management675.0★ (31)10 mi
44Reason Financial & Tax674.4★ (27)3 mi
45Creative Capital Management Investments LLC (CCMI)675.0★ (14)5 mi
46McKenna Financial675.0★ (15)6 mi
47Trifecta Wealth Management, LLC675.0★ (17)7 mi
48Bull Oak Financial Advisors675.0★ (31)11 mi
49Pacific Tax & Financial Group Inc674.9★ (132)21 mi
50First Command674.8★ (32)10 mi

Also serving La Jolla

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 La Jolla
BusinessGoogle ratingDistance
Artivest5.0★ (1)In La Jolla
Edward Jones - Financial Advisor: Andrew Ward, CFP®5.0★ (1)In La Jolla
Financial Guide Solutions5.0★ (1)In La Jolla
Glenn Mosier - UBS Financial Services Inc.5.0★ (1)In La Jolla
John Hancock Mutual Funds5.0★ (1)In La Jolla
Kyle Uthe - Morgan Stanley1.0★ (1)In La Jolla
Merrill Lynch Financial Advisor Fred Berry5.0★ (1)In La Jolla
Merrill Lynch Wealth Management5.0★ (1)In La Jolla
MULTILATERAL PARTNERS GLOBAL ADVISORY GROUP L.L.C.1.0★ (1)In La Jolla
Naylor Financial Group5.0★ (1)In La Jolla
Northwestern Mutual La Jolla5.0★ (1)In La Jolla
Pacific Ease Financial Advisory and Accounting Services, LLC5.0★ (1)In La Jolla
Sean Donnelly - Financial Advisor, Ameriprise Financial Services, LLC5.0★ (1)In La Jolla
Shorelight Wealth Group5.0★ (1)In La Jolla
Softwealth - Financial Advisor5.0★ (2)In La Jolla
Stefano Rakigjija - Morgan Stanley5.0★ (1)In La Jolla
Steven Lewis - RBC Wealth Management Financial Advisor5.0★ (1)In La Jolla
Symbio Financial Partners/LPL Financial5.0★ (2)In La Jolla
Vaughn Woods Financial Group5.0★ (2)In La Jolla
West Point Investment Corporation5.0★ (2)In La Jolla

How we ranked La Jolla financial advisors

We scored 354 La Jolla 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 La Jolla 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 La Jolla: frequently asked questions

Which financial advisor has the highest RFA Score in La Jolla?

By RFA Score, the highest-ranked financial advisor in La Jolla, CA is Accredited Debt Relief with an RFA Score of 77/100. It has 4.8★ from 14,445 Google reviews. It is open 7 days a week. PDS Debt (#2) and Canter Wealth (#3) follow. We ranked 354 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in La Jolla?

RankedFinancialAdvisors ranks 354 financial advisors serving La Jolla, CA. 7 of them are based in La Jolla; 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 La Jolla work on weekends?

53 of 354 ranked financial advisors post Saturday hours and 19 post Sunday hours. The highest-ranked open Saturdays are Accredited Debt Relief (#1), PDS Debt (#2) and Insurance Experts Solutions (#4). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do La Jolla financial advisors have?

The median Google rating among 354 rated financial advisors in La Jolla is 5.0★, with a median of 11 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 La Jolla count in this ranking?

Yes, if they are within 25 mi of the La Jolla 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 La Jolla 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 La Jolla 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 La Jolla

  1. November 2026: RFA Scores recalculated for 354 financial advisors serving La Jolla.
  2. November 2026: 2 duplicate listings merged.

More financial advisors and La Jolla pages