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Financial Advisors in Saint Cloud, FL: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Saint Cloud: KP Financial Firm, RFA Score 74/100; 4.9★ from 245 Google reviews; open Saturdays until 3 PM.

  2. 2

    Most-reviewed: Addition Financial Credit Union - South Orlando, 594 Google reviews at 4.8★, the most of 229 ranked; ranked #2.

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

229 Saint Cloud financial advisors are ranked here by RFA Score, from eight published factors. 61 open Saturdays and 8 open Sundays, based on posted hours. The median Google rating is 5.0★ across 229 rated firms.

Most of this list also appears on the Financial advisors in Orlando ranking. See Financial advisors in Orlando

Top 10 financial advisors in Saint Cloud 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 Saint Cloud at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1KP Financial Firm744.9★ (245)Orlando, 8 mi awaySat · EveningsTop score
2Addition Financial Credit Union - South Orlando734.8★ (594)Orlando, 17 mi away—Most reviews
3Strong Point Financial, Inc.734.9★ (438)Orlando, 20 mi away——
4EA Insurance Group725.0★ (246)Orlando, 20 mi away——
5Cohn, Lopez & Associates - Tax, Accounting & Financial Services715.0★ (283)Winter Park, 25 mi away——
6Bankers Life714.8★ (191)Orlando, 16 mi away——
7Fix2Live Credit Solutions & More695.0★ (70)Buenaventura Lakes, 14 mi awaySat · Evenings—
8Oxford Advisory Group694.9★ (151)Orlando, 21 mi away——
9RMW Accounting Kissimmee | SBC-CPA694.9★ (59)Kissimmee, 11 mi away——
10Jenny Caso Orlando Real Estate - LifeStyle International Realty695.0★ (109)Orlando, 21 mi away——

All 229 financial advisors in Saint Cloud, 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 Saint Cloud

    #1 KP Financial Firm

    Based in Orlando, 8 mi away

    74/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.9★ from 245 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 245 Google reviews
    Hours
    Mon–Fri 9 AM–9 PM · Sat 10 AM–3 PM · Sun closed
    Address
    13495 Veterans Way Ste 220, Orlando, FL 32827
    View profile for KP Financial Firm(407) 792-4500

  4. #4 EA Insurance Group

    Based in Orlando, 20 mi away

    72/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 5.0★ from 246 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 246 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    12001 Avalon Lake Dr Ste I, Orlando, FL 32828
    View profile for EA Insurance Group(407) 307-5240

  6. #6 Bankers Life

    Based in Orlando, 16 mi away

    71/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.8★ from 191 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 191 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    6277 Sea Harbor Dr Ste 202, Orlando, FL 32821
    View profile for Bankers Life(407) 678-0222

  8. #8 Oxford Advisory Group

    Based in Orlando, 21 mi away

    69/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.9★ from 151 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 151 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–3 PM · Sat–Sun closed
    Address
    111 N Orange Ave #775, Orlando, FL 32801
    View profile for Oxford Advisory Group(407) 495-2004

  13. #13 578 Advisors

    Based in Apopka, 13 mi away

    68/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 5.0★ from 45 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 45 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    View profile for 578 Advisors(407) 379-7000

  19. #19 Christella Sincere

    Based in Orlando, 21 mi away

    67/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 5.0★ from 68 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 68 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    6000 Metrowest Blvd Suite 200, Orlando, FL 32835
    View profile for Christella Sincere(407) 917-4753

  21. #21 OxenFree Financial

    Based in Orlando, 20 mi away

    67/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 5.0★ from 51 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 51 Google reviews
    Hours
    Mon–Fri 9 AM–6:30 PM · Sat–Sun closed
    Address
    3925 Peppervine Dr Suite 2, Orlando, FL 32828
    View profile for OxenFree Financial(321) 710-3422

  22. #22 Trustco Bank

    Based in Kissimmee, 10 mi away

    67/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 4.4★ from 45 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 45 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–12 PM · Sun closed
    Address
    3307 S Orange Blossom Trail, Kissimmee, FL 34746
    View profile for Trustco Bank(407) 846-8866

How we ranked Saint Cloud financial advisors

We scored 229 Saint Cloud 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 Saint Cloud 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 Saint Cloud: frequently asked questions

Which financial advisor has the highest RFA Score in Saint Cloud?

By RFA Score, the highest-ranked financial advisor in Saint Cloud, FL is KP Financial Firm with an RFA Score of 74/100. It has 4.9★ from 245 Google reviews. It is open Saturdays until 3 PM. Addition Financial Credit Union - South Orlando (#2) and Strong Point Financial, Inc. (#3) follow. We ranked 229 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Saint Cloud?

RankedFinancialAdvisors ranks 229 financial advisors serving Saint Cloud, FL. 2 of them are based in Saint Cloud; the rest serve it from nearby towns. Counts are as of November 2026.

Which financial advisors in Saint Cloud work on weekends?

61 of 229 ranked financial advisors post Saturday hours and 8 post Sunday hours. The highest-ranked open Saturdays are KP Financial Firm (#1), Fix2Live Credit Solutions & More (#7) and OBREMEL Inmigración. Seguros, Impuestos y más (#14). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Saint Cloud financial advisors have?

The median Google rating among 229 rated financial advisors in Saint Cloud is 5.0★, with a median of 14 reviews. Addition Financial Credit Union - South Orlando has the most, 594 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 Saint Cloud count in this ranking?

Yes, if they are within 25 mi of the Saint Cloud 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 Saint Cloud 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 Saint Cloud 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 Saint Cloud

  1. November 2026: RFA Scores recalculated for 229 financial advisors serving Saint Cloud.
  2. November 2026: 4 duplicate listings merged.

More financial advisors and Saint Cloud pages