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Financial Advisors in Ramona, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Ramona: Accredited Debt Relief, RFA Score 72/100; 4.8★ from 14,445 Google reviews; open 7 days a week.

  2. 2

    Most-reviewed: PDS Debt, 1,445 Google reviews at 4.9★, the most of 250 ranked after Accredited Debt Relief; ranked #2.

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

250 Ramona financial advisors are ranked here by RFA Score, from eight published factors. 36 open Saturdays and 13 open Sundays, based on posted hours. The median Google rating is 5.0★ across 250 rated firms.

Top 10 financial advisors in Ramona 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 Ramona at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Accredited Debt Relief724.8★ (14,445)San Diego, 23 mi awaySat · Sun · EveningsTop score
2PDS Debt724.9★ (1,445)San Diego, 14 mi awaySat · Sun · EveningsMost reviews
3Insurance Experts Solutions715.0★ (766)National City, 16 mi awaySat—
4Paramount Tax & Accounting - Rancho Bernardo705.0★ (128)San Diego, 12 mi away——
5PracticeCFO695.0★ (112)San Diego, 14 mi away——
6San Diego Homes Realty - Mike Aqrawi695.0★ (186)El Cajon, 18 mi awaySat · Sun—
7Specular Financial and Insurance Services685.0★ (13)Chula Vista, 2 mi awaySat—
8SimpliFi685.0★ (100)San Diego, 17 mi away——
9TaliMar Financial684.9★ (79)San Diego, 14 mi awaySat · Sun—
10Pure Financial Advisors, LLC675.0★ (191)San Diego, 24 mi away——

All 250 financial advisors in Ramona, 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 Ramona

    #1 Accredited Debt Relief

    Based in San Diego, 23 mi away

    72/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.8★ from 14,445 Google reviews, listed on Google as “Financial consultant”.

    • 4.8★ from 14,445 Google reviews
    Hours
    Mon–Fri 5 AM–8 PM · Sat–Sun 5 AM–7 PM
    Address
    4370 La Jolla Village Dr Ste 920, San Diego, CA 92122
    View profile for Accredited Debt Relief(855) 481-7154

  2. #2 PDS Debt

    Based in San Diego, 14 mi away

    72/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 4.9★ from 1,445 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 1,445 Google reviews
    Hours
    Mon–Sun 12 AM–12 AM
    Address
    13520 Evening Creek Dr N Ste 140, San Diego, CA 92128
    View profile for PDS Debt(435) 660-4722

  5. #5 PracticeCFO

    Based in San Diego, 14 mi away

    69/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 112 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 112 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    13400 Sabre Springs Pkwy #255, San Diego, CA 92128
    View profile for PracticeCFO(800) 675-2712

  8. #8 SimpliFi

    Based in San Diego, 17 mi away

    68/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 100 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 100 Google reviews
    Hours
    Mon–Fri 7:30 AM–4 PM · Sat–Sun closed
    Address
    9666 Businesspark Ave Ste 111, San Diego, CA 92131
    View profile for SimpliFi(858) 695-6600

  9. #9 TaliMar Financial

    Based in San Diego, 14 mi away

    68/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.9★ from 79 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 79 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat 12 AM–12 AM · Sun 8 AM–5 PM
    Address
    13520 Evening Creek Dr N Unit 380, San Diego, CA 92128
    View profile for TaliMar Financial(888) 868-8467

  14. #14 Asset Marketing Systems

    Based in San Diego, 14 mi away

    67/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.9★ from 45 Google reviews, listed on Google as “Financial consultant”.

    • 4.9★ from 45 Google reviews
    Hours
    Mon–Thu 7:30 AM–4 PM · Fri 7:30 AM–3:30 PM · Sat–Sun closed
    Address
    13500 Evening Creek Dr N Ste 550, San Diego, CA 92128
    View profile for Asset Marketing Systems(888) 303-8755

  16. #16 Creative Planning

    Based in San Diego, 23 mi away

    66/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 5.0★ from 99 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 99 Google reviews
    Address
    11260 El Camino Real Ste 220, San Diego, CA 92130
    View profile for Creative Planning(858) 764-7120

  25. #25 Seaside Wealth Management

    Based in Carlsbad, 23 mi away

    66/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 78 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 78 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    6154 Innovation Way, Carlsbad, CA 92009
    View profile for Seaside Wealth Management(760) 730-8120

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

financial advisors in Ramona, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Heritage Wealth Management, Inc.665.0★ (17)13 mi
27Taxlana664.8★ (113)22 mi
28The Options Lady655.0★ (56)22 mi
29Root Financial654.9★ (108)25 mi
30Lucia Capital Group654.6★ (22)12 mi
31One Degree Advisors655.0★ (68)24 mi
32DePauw Johnson Tax & Financial Services654.9★ (92)25 mi
33Darrin A. Santos, CFP®-FSI Wealth655.0★ (77)25 mi
34Serenity Financial Planning - Financial Planning in California654.8★ (16)12 mi
35C.B. Financial Insurance Services, Inc.655.0★ (43)21 mi
36College Planning Source654.8★ (17)13 mi
37Imeson Wealth Partners LLC655.0★ (18)15 mi
38Copley Wealth Management654.8★ (82)22 mi
39Alonso Moran: Primerica - Financial Services654.9★ (57)22 mi
40Safeguard Investment Advisory Group655.0★ (15)14 mi
41Bull Oak Financial Advisors655.0★ (31)19 mi
42Ocean View Financial655.0★ (48)23 mi
43Bankers Life654.6★ (14)12 mi
44Edward Jones - Financial Advisor: David S Peterson, CFP®654.9★ (46)22 mi
45Chris Hayes: Primerica - Financial Services645.0★ (47)25 mi
46First Command Financial Advisor - Anna Beasley, RICP®645.0★ (43)24 mi
47Wilsey Asset Management645.0★ (15)17 mi
48Tidemark Financial Partners644.9★ (27)20 mi
49Fidelity Investments - Rancho Bernardo644.6★ (10)13 mi
50Cody Roulier | Financial Planner - LPL Financial645.0★ (7)13 mi

Also serving Ramona

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 Ramona
BusinessGoogle ratingDistance
Andrew Norolahi - Private Wealth Advisor, Ameriprise Financial Services, LLC4.5★ (2)14 mi
Carl Friedemann - Private Wealth Advisor, Ameriprise Financial Services, LLC5.0★ (2)12 mi
CAVU Wealth Management5.0★ (2)13 mi
Edward Jones3.0★ (2)14 mi
Edward Jones - Financial Advisor: Debora E Meskell, CEPA®|CRPS™5.0★ (1)In Ramona
Edward Jones - Financial Advisor: Jack Loehr3.5★ (2)16 mi
Edward Jones - Financial Advisor: Patrick J Meskell, CEPA®|AAMS®In Ramona
Edward Jones - Financial Advisor: Rene' A Flores, CFP®|RICP®3.0★ (2)14 mi
Ellis Financial Group, Inc.5.0★ (2)13 mi
Garret Campbell - Thrivent5.0★ (2)15 mi
Melbrod Wealth Management5.0★ (2)14 mi
Myers Financial Group, Inc.In Ramona
Nick Schoch Commercial Mortgage Advisor5.0★ (2)2 mi
Oaktree Ventures, Inc.In Ramona
Telos Capital Management, Inc.3.0★ (2)14 mi
Terri Wooldridge - ThriventIn Ramona
Wells Fargo AdvisorsIn Ramona
Western Financial Corporation3.0★ (2)14 mi
William Clark - ThriventIn Ramona
Wisdom Wealth Management - Ameriprise Financial Services, LLC5.0★ (2)14 mi

How we ranked Ramona financial advisors

We scored 250 Ramona 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 Ramona 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 Ramona: frequently asked questions

Which financial advisor has the highest RFA Score in Ramona?

By RFA Score, the highest-ranked financial advisor in Ramona, CA is Accredited Debt Relief with an RFA Score of 72/100. It has 4.8★ from 14,445 Google reviews. It is open 7 days a week. PDS Debt (#2) and Insurance Experts Solutions (#3) follow. We ranked 250 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Ramona?

RankedFinancialAdvisors ranks 250 financial advisors serving Ramona, CA. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial advisors in Ramona work on weekends?

36 of 250 ranked financial advisors post Saturday hours and 13 post Sunday hours. The highest-ranked open Saturdays are Accredited Debt Relief (#1), PDS Debt (#2) and Insurance Experts Solutions (#3). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Ramona financial advisors have?

The median Google rating among 250 rated financial advisors in Ramona is 5.0★, with a median of 11 reviews. Accredited Debt Relief has the most, 14,445 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 Ramona count in this ranking?

Yes, if they are within 25 mi of the Ramona 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 Ramona 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 Ramona 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 Ramona

  1. November 2026: RFA Scores recalculated for 250 financial advisors serving Ramona.
  2. November 2026: 1 duplicate listing merged.

More financial advisors and Ramona pages