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Financial Advisors in Palm Desert, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Palm Desert: MITM Business Consultants, RFA Score 73/100; 5.0★ from 59 Google reviews.

  2. 6

    Most-reviewed: Cesar & Associates Health Plan Advisors, 343 Google reviews at 5.0★, the most of 49 ranked; ranked #6.

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

49 Palm Desert financial advisors are ranked here by RFA Score, from eight published factors. 10 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 5.0★ across 49 rated firms.

Top 10 financial advisors in Palm Desert 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 Palm Desert at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1MITM Business Consultants735.0★ (59)Palm Desert—Top score
2Raul Avila: Primerica - Financial Services725.0★ (46)Palm Desert——
3Ernesto Arcos Financial Advisor705.0★ (45)Cathedral City, 7 mi awaySat · Evenings—
4My Money My Freedom685.0★ (31)La Quinta, 7 mi awaySat—
5Cypress Wealth Services685.0★ (18)Palm Desert——
6Cesar & Associates Health Plan Advisors675.0★ (343)Indio, 8 mi away—Most reviews
7Invest Into Wine with Sure Holdings665.0★ (9)Palm DesertSat—
8CA Investments and Financial Planning of Raymond James665.0★ (9)Palm Desert——
9Golden Legacy Wealth Advisors655.0★ (9)Rancho Mirage, 2 mi awaySat · Sun—
10Brandon Rosi, Financial Advisor with Keystone Private Wealth655.0★ (7)Palm Desert——

All 49 financial advisors in Palm Desert, 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 Palm Desert

    #1 MITM Business Consultants

    Based in Palm Desert

    73/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 59 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 59 Google reviews
    Hours
    Mon–Thu 10 AM–4 PM · Fri 10 AM–2 PM · Sat–Sun closed
    Address
    74-710 CA-111 #102, Palm Desert, CA 92260
    View profile for MITM Business Consultants(760) 227-8868

  4. #4 My Money My Freedom

    Based in La Quinta, 7 mi away

    68/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 5.0★ from 31 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 31 Google reviews
    Hours
    Mon–Tue 10 AM–5 PM · Wed closed · Thu 10 AM–5 PM · Fri 10 AM–12 PM · Sat 10 AM–5 PM · Sun closed
    View profile for My Money My Freedom(480) 809-9498

  18. #18 BMO Bank N.A Branches

    Based in Palm Desert

    64/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 3.0★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 3.0★ from 21 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    74989 CA-111, Indian Wells, CA 92210
    View profile for BMO Bank N.A Branches(760) 469-4002

  19. #19 Charles Schwab

    Based in Indio, 1 mi away

    64/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 3.2★ from 13 Google reviews, listed on Google as “Financial consultant”.

    • 3.2★ from 13 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    74785 CA-111 STE 102, Indian Wells, CA 92210
    View profile for Charles Schwab(760) 836-3075

  23. #23 FLC Capital Advisors

    Based in Palm Desert

    63/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 5.0★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 3 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    44750 Village Ct, Palm Desert, CA 92260
    View profile for FLC Capital Advisors(760) 779-8110

All 49 financial advisors

#1 to #25 are shown in full above. Here are #26 to #49, in RFA Score order; each links to its profile.

financial advisors in Palm Desert, ranks 26 to 49
RankBusinessRFA ScoreGoogle ratingDistance
26Merrill Lynch Wealth Management634.3★ (4)1 mi
27Ensemble Wealth Management634.0★ (4)1 mi
28Bank of America (with Drive-thru ATM)632.7★ (53)In Palm Desert
29Finerty Fiduciary Services635.0★ (3)1 mi
30MacLean Capital Advisors LLC635.0★ (3)1 mi
31Bank of America (with Drive-thru ATM)622.4★ (24)In Palm Desert
32Abraham Flores: Primerica - Financial Services625.0★ (5)7 mi
33Bank of America (with Drive-thru ATM)622.5★ (41)In Palm Desert
34Edward Jones - Financial Advisor: Cristian P Garcia, AWMA®625.0★ (3)3 mi
35Prudential Insurance Co, Dean Mayo623.3★ (3)In Palm Desert
36Indian Wells, CA Branch Office - UBS Financial Services Inc.623.7★ (3)2 mi
37Morgan Stanley Financial Advisors622.0★ (4)In Palm Desert
38Bank of America (with Drive-thru ATM)612.9★ (84)8 mi
39Cornerstone Wealth Management, LLC615.0★ (3)5 mi
40Bank of America (with Drive-thru ATM)613.0★ (40)12 mi
41Bank of America (with Drive-thru ATM)602.6★ (54)9 mi
42Teachers Tax & Investment604.9★ (30)In Palm Desert
43Bank of America (with Drive-thru ATM)602.2★ (47)5 mi
44Bank of America Financial Center592.4★ (64)8 mi
45Kaiser Financial Services, Inc593.7★ (3)12 mi
46Primerica Financial Services585.0★ (20)In Palm Desert
47Bank of America (with Drive-thru ATM)582.1★ (68)9 mi
48Indian Wells Professional Center544.3★ (6)1 mi
49MAV Financial | Business Funding & Loans485.0★ (3)20 mi

Also serving Palm Desert

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 Palm Desert
BusinessGoogle ratingDistance
111 Wealth Management Group - Morgan StanleyIn Palm Desert
American Colonial Capital, LLCIn Palm Desert
Beacon Pointe Advisors5.0★ (2)In Palm Desert
Blanke Schein Wealth Management Palm Desert - Powered by Hightower Advisors5.0★ (1)In Palm Desert
Bloemendaal Capital Strategies - Raymond James5.0★ (1)In Palm Desert
David M. Grossman, Attorney At Law5.0★ (2)In Palm Desert
Erica L Espinola5.0★ (1)In Palm Desert
Franz Tatum Wealth Management5.0★ (2)In Palm Desert
Gregory Hill - Financial Advisor, Ameriprise Financial Services, LLC5.0★ (2)In Palm Desert
Keystone Private WealthIn Palm Desert
Mass Mutual Financial Group1.0★ (1)In Palm Desert
Private Bank, Bank of America5.0★ (1)In Palm Desert
Radiant Financial Group - Ameriprise Financial Services, LLC5.0★ (1)In Palm Desert
RBC Wealth Management5.0★ (1)In Palm Desert
RBC Wealth Management Branch - Palm Desert5.0★ (2)In Palm Desert
U.S. Bancorp Advisors - Financial Advisors: Palm DesertIn Palm Desert
U.S. Bank – Wealth Management Banker: Vanesa Rivera5.0★ (1)In Palm Desert
United Capital Financial Advisors5.0★ (1)In Palm Desert
Wedbush1.0★ (1)In Palm Desert
Wells Fargo Advisors5.0★ (1)In Palm Desert

How we ranked Palm Desert financial advisors

We scored 49 Palm Desert 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 Palm Desert 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 Palm Desert: frequently asked questions

Which financial advisor has the highest RFA Score in Palm Desert?

By RFA Score, the highest-ranked financial advisor in Palm Desert, CA is MITM Business Consultants with an RFA Score of 73/100. It has 5.0★ from 59 Google reviews. Raul Avila: Primerica - Financial Services (#2) and Ernesto Arcos Financial Advisor (#3) follow. We ranked 49 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Palm Desert?

RankedFinancialAdvisors ranks 49 financial advisors serving Palm Desert, CA. 21 of them are based in Palm Desert; 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 Palm Desert work on weekends?

10 of 49 ranked financial advisors post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Ernesto Arcos Financial Advisor (#3), My Money My Freedom (#4) and Invest Into Wine with Sure Holdings (#7). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Palm Desert financial advisors have?

The median Google rating among 49 rated financial advisors in Palm Desert is 5.0★, with a median of 9 reviews. Cesar & Associates Health Plan Advisors has the most, 343 reviews, and ranks #6. 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 Palm Desert count in this ranking?

Yes, if they are within 25 mi of the Palm Desert 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 Palm Desert 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 Palm Desert 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 Palm Desert

  1. November 2026: RFA Scores recalculated for 49 financial advisors serving Palm Desert.
  2. November 2026: 1 duplicate listing merged.

More financial advisors and Palm Desert pages