77/100RFA Score
Ranked #1 because of its Google rating and specialty focus: 4.8★ from 501 Google reviews, listed on Google as “Financial planner”.
Financial Advisors in O'Fallon, MO: 2026 rankings
235 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest RFA Score in O'Fallon: West Community Credit Union - O'Fallon, RFA Score 77/100; 4.8★ from 501 Google reviews; open Saturdays until 12 PM.
- 2
Most-reviewed: Mutual of Omaha Mortgage, 832 Google reviews at 4.9★, the most of 235 ranked; ranked #2.
Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank
235 O'Fallon financial advisors are ranked here by RFA Score, from eight published factors. 29 open Saturdays and 5 open Sundays, based on posted hours. The median Google rating is 4.9★ across 235 rated firms.
Top 10 financial advisors in O'Fallon 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 | West Community Credit Union - O'Fallon | 77 | 4.8★ (501) | O'Fallon | Sat | Top score |
| 2 | Mutual of Omaha Mortgage | 75 | 4.9★ (832) | Chesterfield, 13 mi away | — | Most reviews |
| 3 | Gateway Federal Retirement Consultants | 73 | 5.0★ (63) | O'Fallon | — | — |
| 4 | Renaud & Company Registered Investment Advisors | 72 | 4.8★ (57) | O'Fallon | — | — |
| 5 | Mike Hocker - COUNTRY Financial Representative | 71 | 4.9★ (73) | Saint Peters, 7 mi away | — | — |
| 6 | Edward Jones - Financial Advisor: Mike McGhee | 71 | 4.9★ (39) | O'Fallon | — | — |
| 7 | Gershman Mortgage - St. Peters | 71 | 5.0★ (40) | Saint Peters, 3 mi away | — | — |
| 8 | Robin Ruhmann - COUNTRY Financial Agent | 71 | 4.8★ (35) | O'Fallon | — | — |
| 9 | Means Financial Group | 70 | 4.8★ (62) | Saint Peters, 7 mi away | — | — |
| 10 | FEFA Financial | 70 | 5.0★ (154) | Ballwin, 21 mi away | — | — |
All 235 financial advisors in O'Fallon, 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 Chesterfield, 13 mi away
75/100RFA ScoreRanked #2 because of its Google rating and specialty focus: 4.9★ from 832 Google reviews, listed on Google as “Financial planner”.
Based in O'Fallon
73/100RFA ScoreRanked #3 because of its Google rating and specialty focus: 5.0★ from 63 Google reviews, listed on Google as “Financial consultant”.
Based in O'Fallon
72/100RFA ScoreRanked #4 because of its Google rating and specialty focus: 4.8★ from 57 Google reviews, listed on Google as “Financial planner”.
Based in Saint Peters, 7 mi away
71/100RFA ScoreRanked #5 because of its Google rating and specialty focus: 4.9★ from 73 Google reviews, listed on Google as “Financial planner”.
Based in O'Fallon
71/100RFA ScoreRanked #6 because of its Google rating and specialty focus: 4.9★ from 39 Google reviews, listed on Google as “Financial consultant”.
Based in Saint Peters, 3 mi away
71/100RFA ScoreRanked #7 because of its Google rating and specialty focus: 5.0★ from 40 Google reviews, listed on Google as “Financial planner”.
Based in O'Fallon
71/100RFA ScoreRanked #8 because of its Google rating and specialty focus: 4.8★ from 35 Google reviews, listed on Google as “Financial planner”.
Based in Saint Peters, 7 mi away
70/100RFA ScoreRanked #9 because of its Google rating and specialty focus: 4.8★ from 62 Google reviews, listed on Google as “Financial planner”.
#10 FEFA Financial
Based in Ballwin, 21 mi away
70/100RFA ScoreRanked #10 because of its Google rating and specialty focus: 5.0★ from 154 Google reviews, listed on Google as “Financial planner”.
Based in Lake Saint Louis, 6 mi away
70/100RFA ScoreRanked #11 because of its Google rating and specialty focus: 4.6★ from 63 Google reviews, listed on Google as “Financial planner”.
Based in Lake Saint Louis, 3 mi away
70/100RFA ScoreRanked #12 because of its Google rating and specialty focus: 4.6★ from 45 Google reviews, listed on Google as “Financial planner”.
#13 Solae Group, LLC
Based in Wentzville, 9 mi away
70/100RFA ScoreRanked #13 because of its Google rating and specialty focus: 4.9★ from 48 Google reviews, listed on Google as “Financial consultant”.
#14 LuxPlan
Based in Chesterfield, 12 mi away
70/100RFA ScoreRanked #14 because of its Google rating and specialty focus: 5.0★ from 54 Google reviews, listed on Google as “Financial planner”.
Based in Saint Peters, 4 mi away
69/100RFA ScoreRanked #15 because of its Google rating and specialty focus: 5.0★ from 26 Google reviews, listed on Google as “Financial planner”.
Based in Manchester, 19 mi away
69/100RFA ScoreRanked #16 because of its Google rating and specialty focus: 5.0★ from 101 Google reviews, listed on Google as “Financial consultant”.
Based in Saint Peters, 7 mi away
69/100RFA ScoreRanked #17 because of its Google rating and specialty focus: 5.0★ from 30 Google reviews, listed on Google as “Financial planner”.
Based in Saint Peters, 6 mi away
69/100RFA ScoreRanked #18 because of its Google rating and specialty focus: 4.7★ from 35 Google reviews, listed on Google as “Financial planner”.
Based in Ballwin, 16 mi away
69/100RFA ScoreRanked #19 because of its Google rating and specialty focus: 5.0★ from 63 Google reviews, listed on Google as “Financial planner”.
Based in Chesterfield, 15 mi away
69/100RFA ScoreRanked #20 because of its Google rating and specialty focus: 5.0★ from 57 Google reviews, listed on Google as “Financial planner”.
#21 Charles Schwab
Based in O'Fallon
69/100RFA ScoreRanked #21 because of its Google rating and specialty focus: 4.6★ from 17 Google reviews, listed on Google as “Financial consultant”.
Based in Chesterfield, 11 mi away
69/100RFA ScoreRanked #22 because of its Google rating and specialty focus: 5.0★ from 37 Google reviews, listed on Google as “Financial planner”.
Based in O'Fallon
69/100RFA ScoreRanked #23 because of its Google rating and specialty focus: 4.5★ from 19 Google reviews, listed on Google as “Financial advisor”.
Based in O'Fallon
69/100RFA ScoreRanked #24 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial advisor”.
Based in Chesterfield, 15 mi away
68/100RFA ScoreRanked #25 because of its Google rating and specialty focus: 4.9★ from 59 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 235 ranked financial advisors here; the rest are on their profiles.
Also serving O'Fallon
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 O'Fallon financial advisors
We scored 235 O'Fallon 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 O'Fallon 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 O'Fallon: frequently asked questions
Which financial advisor has the highest RFA Score in O'Fallon?
By RFA Score, the highest-ranked financial advisor in O'Fallon, MO is West Community Credit Union - O'Fallon with an RFA Score of 77/100. It has 4.8★ from 501 Google reviews. It is open Saturdays until 12 PM. Mutual of Omaha Mortgage (#2) and Gateway Federal Retirement Consultants (#3) follow. We ranked 235 financial advisors on eight factors, last updated November 9, 2026.
How many financial advisors are there in O'Fallon?
RankedFinancialAdvisors ranks 235 financial advisors serving O'Fallon, MO. 12 of them are based in O'Fallon; 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 O'Fallon work on weekends?
29 of 235 ranked financial advisors post Saturday hours and 5 post Sunday hours. The highest-ranked open Saturdays are West Community Credit Union - O'Fallon (#1) and UMB Bank (with drive-thru services) (#18). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.
What Google rating do O'Fallon financial advisors have?
The median Google rating among 235 rated financial advisors in O'Fallon is 4.9★, with a median of 9 reviews. Mutual of Omaha Mortgage has the most, 832 reviews, and ranks #2. 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 O'Fallon count in this ranking?
Yes, if they are within 25 mi of the O'Fallon 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 O'Fallon 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 O'Fallon 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 O'Fallon
- November 2026: RFA Scores recalculated for 235 financial advisors serving O'Fallon.
- November 2026: 1 duplicate listing merged.
More financial advisors and O'Fallon pages
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- All financial advisors in O'Fallon