73/100RFA Score
Ranked #1 because of its Google rating and specialty focus: 4.9★ from 574 Google reviews, listed on Google as “Financial consultant”.
Financial Advisors in Oceanside, CA: 2026 rankings
252 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest RFA Score in Oceanside: iMerge Financial, RFA Score 73/100; 4.9★ from 574 Google reviews; open 7 days a week.
- 4
Most-reviewed: Accredited Debt Relief, 14,445 Google reviews at 4.8★, the most of 252 ranked; ranked #4.
Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank
252 Oceanside financial advisors are ranked here by RFA Score, from eight published factors. 36 open Saturdays and 14 open Sundays, based on posted hours. The median Google rating is 5.0★ across 252 rated firms.
Top 10 financial advisors in Oceanside 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 | iMerge Financial | 73 | 4.9★ (574) | Carlsbad, 6 mi away | Sat · Sun | Top score |
| 2 | MyDirect IRA | 73 | 5.0★ (109) | Oceanside | Sat | — |
| 3 | San Diego Tax & Financial Associates | 72 | 4.9★ (277) | Carlsbad, 6 mi away | — | — |
| 4 | Accredited Debt Relief | 72 | 4.8★ (14,445) | San Diego, 24 mi away | Sat · Sun · Evenings | Most reviews |
| 5 | Deferred.com (Formerly Plenti Financial) | 72 | 5.0★ (144) | Carlsbad, 5 mi away | Sat · Sun · Evenings | — |
| 6 | Insurance Experts Solutions | 71 | 5.0★ (766) | National City, 17 mi away | Sat | — |
| 7 | First Command Financial Advisor - J Kelly Olson, PhD | 71 | 5.0★ (50) | Oceanside | — | — |
| 8 | Starkey Brothers | 71 | 5.0★ (42) | Oceanside | — | — |
| 9 | IDA Wealth - Intelligence Driven Advisers | 70 | 5.0★ (131) | Carlsbad, 9 mi away | — | — |
| 10 | My Solo 401k Financial | 70 | 4.9★ (91) | Carlsbad, 6 mi away | — | — |
All 252 financial advisors in Oceanside, 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.
#2 MyDirect IRA
Based in Oceanside
73/100RFA ScoreRanked #2 because of its Google rating and specialty focus: 5.0★ from 109 Google reviews, listed on Google as “Financial consultant”.
Based in Carlsbad, 6 mi away
72/100RFA ScoreRanked #3 because of its Google rating and specialty focus: 4.9★ from 277 Google reviews, listed on Google as “Financial planner”.
Based in San Diego, 24 mi away
72/100RFA ScoreRanked #4 because of its Google rating and specialty focus: 4.8★ from 14,445 Google reviews, listed on Google as “Financial consultant”.
Based in Carlsbad, 5 mi away
72/100RFA ScoreRanked #5 because of its Google rating and specialty focus: 5.0★ from 144 Google reviews, listed on Google as “Financial consultant”.
Based in National City, 17 mi away
71/100RFA ScoreRanked #6 because of its Google rating and specialty focus: 5.0★ from 766 Google reviews, listed on Google as “Financial planner”.
Based in Oceanside
71/100RFA ScoreRanked #7 because of its Google rating and specialty focus: 5.0★ from 50 Google reviews, listed on Google as “Financial planner”.
Based in Oceanside
71/100RFA ScoreRanked #8 because of its Google rating and specialty focus: 5.0★ from 42 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 9 mi away
70/100RFA ScoreRanked #9 because of its Google rating and specialty focus: 5.0★ from 131 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 6 mi away
70/100RFA ScoreRanked #10 because of its Google rating and specialty focus: 4.9★ from 91 Google reviews, listed on Google as “Financial consultant”.
#11 PDS Debt
Based in San Diego, 23 mi away
70/100RFA ScoreRanked #11 because of its Google rating and specialty focus: 4.9★ from 1,445 Google reviews, listed on Google as “Financial planner”.
Based in Vista, 7 mi away
70/100RFA ScoreRanked #12 because of its Google rating and specialty focus: 4.9★ from 92 Google reviews, listed on Google as “Financial planner”.
#13 Trajan Wealth
Based in Carlsbad, 6 mi away
70/100RFA ScoreRanked #13 because of its Google rating and specialty focus: 5.0★ from 55 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 9 mi away
70/100RFA ScoreRanked #14 because of its Google rating and specialty focus: 5.0★ from 78 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 9 mi away
69/100RFA ScoreRanked #15 because of its Google rating and specialty focus: 5.0★ from 75 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 3 mi away
69/100RFA ScoreRanked #16 because of its Google rating and specialty focus: 5.0★ from 35 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 9 mi away
69/100RFA ScoreRanked #17 because of its Google rating and specialty focus: 5.0★ from 76 Google reviews, listed on Google as “Financial consultant”.
Based in Oceanside
69/100RFA ScoreRanked #18 because of its Google rating and specialty focus: 5.0★ from 19 Google reviews, listed on Google as “Financial planner”.
Based in San Marcos, 12 mi away
69/100RFA ScoreRanked #19 because of its Google rating and specialty focus: 4.9★ from 132 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 6 mi away
69/100RFA ScoreRanked #20 because of its Google rating and specialty focus: 5.0★ from 38 Google reviews, listed on Google as “Financial planner”.
Based in Vista, 7 mi away
69/100RFA ScoreRanked #21 because of its Google rating and specialty focus: 5.0★ from 47 Google reviews, listed on Google as “Financial consultant”.
#22 Root Financial
Based in Encinitas, 12 mi away
69/100RFA ScoreRanked #22 because of its Google rating and specialty focus: 4.9★ from 108 Google reviews, listed on Google as “Financial planner”.
#23 First Command
Based in Oceanside
68/100RFA ScoreRanked #23 because of its Google rating and specialty focus: 4.8★ from 15 Google reviews, listed on Google as “Financial planner”.
Based in Carlsbad, 3 mi away
68/100RFA ScoreRanked #24 because of its Google rating and specialty focus: 5.0★ from 20 Google reviews, listed on Google as “Financial planner”.
Based in Vista, 10 mi away
68/100RFA ScoreRanked #25 because of its Google rating and specialty focus: 4.9★ from 57 Google reviews, listed on Google as “Financial consultant”.
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 252 ranked financial advisors here; the rest are on their profiles.
Also serving Oceanside
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.
How we ranked Oceanside financial advisors
We scored 252 Oceanside 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 Oceanside 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 Oceanside: frequently asked questions
Which financial advisor has the highest RFA Score in Oceanside?
By RFA Score, the highest-ranked financial advisor in Oceanside, CA is iMerge Financial with an RFA Score of 73/100. It has 4.9★ from 574 Google reviews. It is open 7 days a week. MyDirect IRA (#2) and San Diego Tax & Financial Associates (#3) follow. We ranked 252 financial advisors on eight factors, last updated November 9, 2026.
How many financial advisors are there in Oceanside?
RankedFinancialAdvisors ranks 252 financial advisors serving Oceanside, CA. 7 of them are based in Oceanside; 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 Oceanside work on weekends?
36 of 252 ranked financial advisors post Saturday hours and 14 post Sunday hours. The highest-ranked open Saturdays are iMerge Financial (#1), MyDirect IRA (#2) and Accredited Debt Relief (#4). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.
What Google rating do Oceanside financial advisors have?
The median Google rating among 252 rated financial advisors in Oceanside is 5.0★, with a median of 11 reviews. Accredited Debt Relief has the most, 14,445 reviews, and ranks #4. 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 Oceanside count in this ranking?
Yes, if they are within 25 mi of the Oceanside 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 Oceanside 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 Oceanside 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 Oceanside
- November 2026: RFA Scores recalculated for 252 financial advisors serving Oceanside.
- November 2026: 1 duplicate listing merged.
More financial advisors and Oceanside pages
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