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Financial Advisors in Palm Harbor, FL: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Palm Harbor: MFP Financial Services, RFA Score 74/100; 5.0★ from 201 Google reviews.

  2. 4

    Most-reviewed: US Student Loan Center, 1,048 Google reviews at 4.8★, the most of 437 ranked; ranked #4.

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

437 Palm Harbor financial advisors are ranked here by RFA Score, from eight published factors. 50 open Saturdays and 8 open Sundays, based on posted hours. The median Google rating is 4.9★ across 437 rated firms.

Top 10 financial advisors in Palm Harbor 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 Harbor at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1MFP Financial Services745.0★ (201)Safety Harbor, 7 mi away—Top score
2Costanzo Financial Advisors745.0★ (95)Palm Harbor——
3Florida Educators Insurance and GAC Wealth Management745.0★ (702)Land O' Lakes, 19 mi away——
4US Student Loan Center744.8★ (1,048)Tampa, 17 mi away—Most reviews
5Consumer First Financial, Inc744.8★ (126)Palm Harbor——
6Homeowners Financial Group735.0★ (334)Tampa, 17 mi away——
7Long Term Care Solutions, LLC724.9★ (148)Clearwater, 8 mi away——
8The Holland Group Retirement Wealth Advisors724.9★ (124)Clearwater, 6 mi away——
9Advanta IRA724.8★ (319)Clearwater, 13 mi away——
107th Day Financial724.9★ (54)Palm HarborSat—

All 437 financial advisors in Palm Harbor, 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 Harbor

    #1 MFP Financial Services

    Based in Safety Harbor, 7 mi away

    74/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 201 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 201 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    335 9th Ave S, Safety Harbor, FL 34695
    View profile for MFP Financial Services(727) 443-3300

  4. #4 US Student Loan Center

    Based in Tampa, 17 mi away

    74/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 4.8★ from 1,048 Google reviews, listed on Google as “Financial consultant”.

    • 4.8★ from 1,048 Google reviews
    Hours
    Mon–Fri 9 AM–5:30 PM · Sat–Sun closed
    Address
    4300 W Cypress St Ste 210, Tampa, FL 33607
    View profile for US Student Loan Center(877) 433-7501

  9. #9 Advanta IRA

    Based in Clearwater, 13 mi away

    72/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.8★ from 319 Google reviews, listed on Google as “Investment service”.

    • 4.8★ from 319 Google reviews
    Hours
    Mon–Tue 8:30 AM–5 PM · Wed closed · Thu 8:30 AM–5 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    4790 140th Ave N, Clearwater, FL 33762
    View profile for Advanta IRA(727) 581-9853

  10. #10 7th Day Financial

    Based in Palm Harbor

    72/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 4.9★ from 54 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 54 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat 9 AM–4 PM · Sun closed
    Address
    34026 US Hwy 19 N, Palm Harbor, FL 34684
    View profile for 7th Day Financial(727) 796-3339

  12. #12 Achieva Credit Union

    Based in Largo, 13 mi away

    72/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.6★ from 436 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 436 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed 10 AM–5 PM · Thu 9 AM–5 PM · Fri 9 AM–5:30 PM · Sat 9 AM–1 PM · Sun closed
    Address
    12580 Seminole Blvd, Largo, FL 33778
    View profile for Achieva Credit Union(727) 431-0564

  17. #17 TruWealth Partners

    Based in Palm Harbor

    71/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 5.0★ from 33 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 33 Google reviews
    Hours
    Mon–Wed 8 AM–5 PM · Thu 8 AM–4 PM · Fri 9 AM–2 PM · Sat–Sun closed
    Address
    5749 Windber Ct, Palm Harbor, FL 34685
    View profile for TruWealth Partners(630) 864-1068

  18. #18 Mutual of Omaha Mortgage

    Based in Tampa, 15 mi away

    70/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.9★ from 142 Google reviews, listed on Google as “Financial consultant”.

    • 4.9★ from 142 Google reviews
    Hours
    Mon–Fri 8 AM–6 PM · Sat–Sun closed
    Address
    8270 Woodland Center Blvd office 123, Tampa, FL 33614
    View profile for Mutual of Omaha Mortgage(630) 770-7548

  21. #21 Csenge Advisory Group

    Based in Clearwater, 11 mi away

    70/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.9★ from 94 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 94 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    4755 E Bay Dr, Clearwater, FL 33764
    View profile for Csenge Advisory Group(727) 437-6000

  24. #24 Mintco Financial

    Based in Tampa, 16 mi away

    70/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 102 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 102 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    3903 Northdale Blvd #100-E, Tampa, FL 33624
    View profile for Mintco Financial(813) 964-7100

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

financial advisors in Palm Harbor, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Taylor Financial704.9★ (98)14 mi
27Maggi Tax & Wealth Advisors704.7★ (64)6 mi
28Dolphin Financial Group695.0★ (30)4 mi
29Homeowners Financial Group695.0★ (163)23 mi
30Unbehagen Advisors694.5★ (68)5 mi
31Toring Consulting Services, Inc.694.8★ (24)In Palm Harbor
32Oxford Advisory Group694.9★ (84)14 mi
33Green Era Financial695.0★ (40)8 mi
34Elevate Financial Planning & Wealth Management695.0★ (86)17 mi
35FND Trust Services694.8★ (36)5 mi
36Kash Tax694.7★ (177)18 mi
37SimplePath Retirement LLC695.0★ (17)In Palm Harbor
38Fiduciary First Advisors695.0★ (57)13 mi
39Sterling Bridge Financial Group694.8★ (20)In Palm Harbor
40Praetego Private Wealth695.0★ (42)11 mi
41Moffat Advisory Group695.0★ (137)24 mi
42Bridgespan694.8★ (18)In Palm Harbor
43Brittany Onstead: Primerica - Financial Services694.9★ (74)16 mi
44American Nationwide Mortgage Company, Inc.684.7★ (106)16 mi
45Truist684.5★ (30)2 mi
46Jaffe Tilchin Wealth Management684.9★ (97)19 mi
47OmniTax LLC685.0★ (23)5 mi
48Rise Management685.0★ (61)16 mi
49Bankers Life684.5★ (63)8 mi
50Kingsbury Financial Advisors685.0★ (73)19 mi

Also serving Palm Harbor

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 Harbor
BusinessGoogle ratingDistance
Abelson Wealth Management - Morgan Stanley5.0★ (1)In Palm Harbor
Fidelity Secured Deposit CorporationIn Palm Harbor
Hall Capital Holdings LLC5.0★ (1)In Palm Harbor
Impact Wealth PartnersIn Palm Harbor
JMI Group5.0★ (2)In Palm Harbor
Jonathan Stricker - Thrivent5.0★ (1)In Palm Harbor
Maggi Investment Services3.0★ (2)In Palm Harbor
Mary Hayes - Raymond JamesIn Palm Harbor
Premier Private Wealth Management LLC5.0★ (2)In Palm Harbor
Raymond James Financial ServicesIn Palm Harbor
Raymond James Financial ServicesIn Palm Harbor
Sovereign International Pension Services3.5★ (2)In Palm Harbor
The Brightwater Wealth Management Group - Morgan Stanley1.0★ (1)In Palm Harbor
The Harbor Legacy Group - Morgan Stanley5.0★ (2)In Palm Harbor
The Medina Partin Weiss Group - Morgan Stanley5.0★ (1)In Palm Harbor
The Sobel Group - Morgan Stanley4.5★ (2)In Palm Harbor
Wagner Advisory Group5.0★ (2)In Palm Harbor
Wells Fargo Advisors5.0★ (1)In Palm Harbor
Wells Fargo Advisors5.0★ (1)In Palm Harbor
Women's Wealth Advisor, Division of SimplePath Retirement, LLCIn Palm Harbor

How we ranked Palm Harbor financial advisors

We scored 437 Palm Harbor 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 Harbor 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 Harbor: frequently asked questions

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

By RFA Score, the highest-ranked financial advisor in Palm Harbor, FL is MFP Financial Services with an RFA Score of 74/100. It has 5.0★ from 201 Google reviews. Costanzo Financial Advisors (#2) and Florida Educators Insurance and GAC Wealth Management (#3) follow. We ranked 437 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Palm Harbor?

RankedFinancialAdvisors ranks 437 financial advisors serving Palm Harbor, FL. 9 of them are based in Palm Harbor; 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 Harbor work on weekends?

50 of 437 ranked financial advisors post Saturday hours and 8 post Sunday hours. The highest-ranked open Saturdays are 7th Day Financial (#10), Achieva Credit Union (#12) and Walter S Sanders & Associates (#15). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Palm Harbor financial advisors have?

The median Google rating among 437 rated financial advisors in Palm Harbor is 4.9★, with a median of 12 reviews. US Student Loan Center has the most, 1,048 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 Palm Harbor count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 437 financial advisors serving Palm Harbor.
  2. November 2026: 5 duplicate listings merged.

More financial advisors and Palm Harbor pages