80/100RFA Score
Ranked #1 because of its Google rating and specialty focus: 5.0★ from 1,119 Google reviews, listed on Google as “Financial planner”.
Financial Advisors in Pharr, TX: 2026 rankings
72 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest RFA Score in Pharr: Western Finance, RFA Score 80/100; 5.0★ from 1,119 Google reviews; open Saturdays until 1 PM.
- 2
Most-reviewed: Shamrock Finance, 737 Google reviews at 5.0★, the most of 72 ranked after Western Finance; ranked #2.
Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank
72 Pharr financial advisors are ranked here by RFA Score, from eight published factors. 31 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 4.8★ across 72 rated firms.
Most of this list also appears on the Financial advisors in McAllen ranking. See Financial advisors in McAllen
Top 10 financial advisors in Pharr 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 | Western Finance | 80 | 5.0★ (1,119) | Pharr | Sat | Top score |
| 2 | Shamrock Finance | 77 | 5.0★ (737) | Edinburg, 8 mi away | Sat | Most reviews |
| 3 | Western-Shamrock Finance | 76 | 4.9★ (624) | Edinburg, 7 mi away | Sat | — |
| 4 | Western Finance | 74 | 4.9★ (551) | Weslaco, 12 mi away | Sat | — |
| 5 | Western Finance | 74 | 4.9★ (195) | McAllen, 3 mi away | Sat | — |
| 6 | Western Finance | 74 | 5.0★ (147) | Alamo, 4 mi away | Sat | — |
| 7 | Western Finance | 73 | 4.9★ (463) | Edinburg, 14 mi away | Sat | — |
| 8 | Strategic Insights Financial Planning Group | 72 | 5.0★ (65) | McAllen, 3 mi away | — | — |
| 9 | JETT FINANCIAL - John Jett, MBA, ChFC | 72 | 4.9★ (89) | Edinburg, 5 mi away | — | — |
| 10 | TRS Total Retirement Solutions | 72 | 4.9★ (49) | Pharr | — | — |
All 72 financial advisors in Pharr, 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 Edinburg, 8 mi away
77/100RFA ScoreRanked #2 because of its Google rating and specialty focus: 5.0★ from 737 Google reviews, listed on Google as “Financial planner”.
Based in Edinburg, 7 mi away
76/100RFA ScoreRanked #3 because of its Google rating and specialty focus: 4.9★ from 624 Google reviews, listed on Google as “Financial planner”.
Based in Weslaco, 12 mi away
74/100RFA ScoreRanked #4 because of its Google rating and specialty focus: 4.9★ from 551 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 3 mi away
74/100RFA ScoreRanked #5 because of its Google rating and specialty focus: 4.9★ from 195 Google reviews, listed on Google as “Financial planner”.
Based in Alamo, 4 mi away
74/100RFA ScoreRanked #6 because of its Google rating and specialty focus: 5.0★ from 147 Google reviews, listed on Google as “Financial planner”.
Based in Edinburg, 14 mi away
73/100RFA ScoreRanked #7 because of its Google rating and specialty focus: 4.9★ from 463 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 3 mi away
72/100RFA ScoreRanked #8 because of its Google rating and specialty focus: 5.0★ from 65 Google reviews, listed on Google as “Financial planner”.
Based in Edinburg, 5 mi away
72/100RFA ScoreRanked #9 because of its Google rating and specialty focus: 4.9★ from 89 Google reviews, listed on Google as “Financial planner”.
Based in Pharr
72/100RFA ScoreRanked #10 because of its Google rating and specialty focus: 4.9★ from 49 Google reviews, listed on Google as “Investment service”.
#11 Western Finance
Based in Mercedes, 17 mi away
71/100RFA ScoreRanked #11 because of its Google rating and specialty focus: 4.9★ from 258 Google reviews, listed on Google as “Financial planner”.
Based in Weslaco, 13 mi away
71/100RFA ScoreRanked #12 because of its Google rating and specialty focus: 5.0★ from 118 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 4 mi away
71/100RFA ScoreRanked #13 because of its Google rating and specialty focus: 4.8★ from 63 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 5 mi away
71/100RFA ScoreRanked #14 because of its Google rating and specialty focus: 4.9★ from 58 Google reviews, listed on Google as “Financial planner”.
#15 NexusPath Wealth
Based in McAllen, 3 mi away
70/100RFA ScoreRanked #15 because of its Google rating and specialty focus: 5.0★ from 32 Google reviews, listed on Google as “Financial advisor”.
Based in Pharr
69/100RFA ScoreRanked #16 because of its Google rating and specialty focus: 4.3★ from 54 Google reviews, listed on Google as “Financial planner”.
Based in Edinburg, 7 mi away
68/100RFA ScoreRanked #17 because of its Google rating and specialty focus: 5.0★ from 26 Google reviews, listed on Google as “Financial advisor”.
#18 Frost Bank
Based in McAllen, 2 mi away
68/100RFA ScoreRanked #18 because of its Google rating and specialty focus: 4.3★ from 41 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 6 mi away
68/100RFA ScoreRanked #19 because of its Google rating and specialty focus: 5.0★ from 24 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 3 mi away
68/100RFA ScoreRanked #20 because of its Google rating and specialty focus: 4.2★ from 43 Google reviews, listed on Google as “Financial planner”.
Based in Edinburg, 7 mi away
68/100RFA ScoreRanked #21 because of its Google rating and specialty focus: 4.9★ from 24 Google reviews, listed on Google as “Financial planner”.
#22 Frost Bank
Based in McAllen, 4 mi away
68/100RFA ScoreRanked #22 because of its Google rating and specialty focus: 4.3★ from 39 Google reviews, listed on Google as “Financial planner”.
Based in Donna, 9 mi away
68/100RFA ScoreRanked #23 because of its Google rating and specialty focus: 4.6★ from 42 Google reviews, listed on Google as “Financial planner”.
Based in McAllen, 4 mi away
67/100RFA ScoreRanked #24 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial consultant”.
#25 Banregio
Based in Hidalgo, 11 mi away
67/100RFA ScoreRanked #25 because of its Google rating and specialty focus: 4.1★ from 123 Google reviews, listed on Google as “Financial planner”.
How we ranked Pharr financial advisors
We scored 72 Pharr 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 Pharr 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 Pharr: frequently asked questions
Which financial advisor has the highest RFA Score in Pharr?
By RFA Score, the highest-ranked financial advisor in Pharr, TX is Western Finance with an RFA Score of 80/100. It has 5.0★ from 1,119 Google reviews. It is open Saturdays until 1 PM. Shamrock Finance (#2) and Western-Shamrock Finance (#3) follow. We ranked 72 financial advisors on eight factors, last updated November 9, 2026.
How many financial advisors are there in Pharr?
RankedFinancialAdvisors ranks 72 financial advisors serving Pharr, TX. 3 of them are based in Pharr; the rest serve it from nearby towns. Counts are as of November 2026.
Which financial advisors in Pharr work on weekends?
31 of 72 ranked financial advisors post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Western Finance (#1), Shamrock Finance (#2) and Western-Shamrock Finance (#3). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.
What Google rating do Pharr financial advisors have?
The median Google rating among 72 rated financial advisors in Pharr is 4.8★, with a median of 31 reviews. Western Finance has the most, 1,119 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 Pharr count in this ranking?
Yes, if they are within 25 mi of the Pharr 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 Pharr 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 Pharr 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 Pharr
- November 2026: RFA Scores recalculated for 72 financial advisors serving Pharr.
More financial advisors and Pharr pages
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