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Financial Advisors in Waltham, MA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Waltham: Balance Wealth Advisors, RFA Score 72/100; 5.0★ from 143 Google reviews.

  2. 6

    Most-reviewed: American Consumer Credit Counseling, Inc., 4,572 Google reviews at 5.0★, the most of 529 ranked; ranked #6.

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

529 Waltham financial advisors are ranked here by RFA Score, from eight published factors. 125 open Saturdays and 15 open Sundays, based on posted hours. The median Google rating is 4.7★ across 529 rated firms.

Top 10 financial advisors in Waltham 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 Waltham at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Balance Wealth Advisors725.0★ (143)Wellesley, 4 mi away—Top score
2Merchant Cost Consulting715.0★ (159)Boston, 11 mi away——
3IPX1031: Patricia Flowers, CES®705.0★ (120)Boston, 9 mi away——
4Anthony D Marken - Private Wealth Advisor, Ameriprise Financial Services, LLC705.0★ (45)Waltham——
5McAdam Financial704.9★ (120)Boston, 9 mi away——
6American Consumer Credit Counseling, Inc.705.0★ (4,572)Newton, 1 mi awaySat · EveningsMost reviews
7Pension & Wealth Management Advisors695.0★ (35)Waltham——
8Terranova & Associates CPA, LLC694.9★ (282)Danvers, 18 mi away——
9Total Financial Freedom LLC695.0★ (112)Winthrop, 13 mi awayEvenings—
10Boston Retirement Group695.0★ (29)Waltham——

All 529 financial advisors in Waltham, 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 Waltham

    #1 Balance Wealth Advisors

    Based in Wellesley, 4 mi away

    72/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 143 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 143 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    57 River St #300, Wellesley, MA 02481
    View profile for Balance Wealth Advisors(781) 431-7222

  5. #5 McAdam Financial

    Based in Boston, 9 mi away

    70/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.9★ from 120 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 120 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    101 Federal St Suite 1900, Boston, MA 02110
    View profile for McAdam Financial(857) 263-7759

  12. #12 Acacia Insurance, Inc.

    Based in Waltham

    69/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.8★ from 38 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 38 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    200 5th Ave Ste 4010, Waltham, MA 02451
    View profile for Acacia Insurance, Inc.(508) 653-1600

  13. #13 Beacon Pointe Advisors

    Based in Boston, 1 mi away

    69/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 5.0★ from 31 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 31 Google reviews
    Hours
    Mon–Wed 9 AM–5 PM · Thu 9 AM–7 PM · Fri 9 AM–5 PM · Sat–Sun closed
    Address
    134 Rumford Ave #203, Auburndale, MA 02466
    View profile for Beacon Pointe Advisors(617) 630-4978

  15. #15 Alpha Taxes

    Based in Medford, 7 mi away

    69/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.8★ from 66 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 66 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat–Sun closed
    Address
    394 Main St, Medford, MA 02155
    View profile for Alpha Taxes(781) 393-0101

  19. #19 Beacon Pointe Advisors

    Based in Waltham

    68/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 4.8★ from 26 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 26 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    400 Totten Pond Rd Ste 220, Waltham, MA 02451
    View profile for Beacon Pointe Advisors(617) 614-9895

  21. #21 SHP Financial

    Based in Woburn, 9 mi away

    68/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 5.0★ from 50 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 50 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    400 Tradecenter Dr Ste 7810, Woburn, MA 01801
    View profile for SHP Financial(508) 746-2400

  24. #24 Savant Wealth Management

    Based in Westwood, 10 mi away

    68/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 47 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 47 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    100 Lowder Brook Dr Ste 1000, Westwood, MA 02090
    View profile for Savant Wealth Management(781) 255-0214

  25. #25 Markham Group, Inc.

    Based in Leominster, 22 mi away

    68/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 153 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 153 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    20 Central Ave #2, Ayer, MA 01432
    View profile for Markham Group, Inc.(978) 772-0800

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

financial advisors in Waltham, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Carlos Pichardo: Primerica - Financial Services685.0★ (46)10 mi
27Stonehearth Capital Management685.0★ (127)20 mi
28A&F Bookkeeping & Business Consulting Inc.685.0★ (69)14 mi
29Spano Dawicki & Witt684.9★ (72)13 mi
30Finances for Feminists675.0★ (63)14 mi
31MapleRock Wealth Management - Ameriprise Financial Services, LLC675.0★ (23)4 mi
32Mondy Friend Capital675.0★ (30)7 mi
33Bank of America (with Drive-thru ATM)674.4★ (96)8 mi
34LA Legacy Financial, LLC675.0★ (13)In Waltham
35Trust Bookkeeping675.0★ (72)17 mi
36Josh Andreasen - Edelman Financial Engines675.0★ (29)8 mi
37Carolyn Nolan - Private Wealth Advisor, Ameriprise Financial Services, LLC675.0★ (26)7 mi
38Balanced Rock Investment Advisors675.0★ (29)8 mi
39Imperia Wealth Management675.0★ (55)15 mi
40Apex Wealth Group675.0★ (12)In Waltham
41Coromandel Wealth Strategies674.9★ (20)4 mi
42The Clifford Group LLC675.0★ (25)7 mi
43Concierge Wealth Management™️675.0★ (31)9 mi
44Oliver Capital Management675.0★ (31)10 mi
45First Command Financial Advisor - Dan Ferris675.0★ (24)7 mi
46Stephen Freedman - Edelman Financial Engines675.0★ (26)8 mi
47Cornerstone Financial Management LLC675.0★ (26)8 mi
48Generations Retirement Group675.0★ (52)15 mi
49Beyond Your Hammock674.9★ (33)9 mi
50Norfolk Capital665.0★ (31)10 mi

Also serving Waltham

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 Waltham
BusinessGoogle ratingDistance
Ameriprise Financial: Winter K5.0★ (2)In Waltham
Argent Wealth Management, LLC4.0★ (2)In Waltham
Atlantic Planning Group, LLC5.0★ (1)In Waltham
Ballentine Partners, LLC5.0★ (1)In Waltham
Beacon Pointe Advisors5.0★ (2)In Waltham
Day Sensible Solutions5.0★ (1)In Waltham
DEAN FINANCIAL GROUP, LLC3.0★ (2)In Waltham
Griffin Barriere - Financial Advisor, Ameriprise Financial Services, LLC5.0★ (1)In Waltham
Heather Martin4.0★ (1)In Waltham
Integrated Partners5.0★ (1)In Waltham
Massachusetts Life Sciences Center5.0★ (1)In Waltham
Matrix Capital Management Co Llc5.0★ (1)In Waltham
North East Planning Associates5.0★ (1)In Waltham
O'Brien Wealth Partners LLC5.0★ (1)In Waltham
tony marken5.0★ (2)In Waltham
Verbatim Advisory Group LLC5.0★ (2)In Waltham
VestServe5.0★ (1)In Waltham
Ward Financial IncIn Waltham
Wells Fargo Advisors: Malo Joel5.0★ (1)In Waltham
World Financial Group1.0★ (1)In Waltham

How we ranked Waltham financial advisors

We scored 529 Waltham 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 Waltham 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 Waltham: frequently asked questions

Which financial advisor has the highest RFA Score in Waltham?

By RFA Score, the highest-ranked financial advisor in Waltham, MA is Balance Wealth Advisors with an RFA Score of 72/100. It has 5.0★ from 143 Google reviews. Merchant Cost Consulting (#2) and IPX1031: Patricia Flowers, CES® (#3) follow. We ranked 529 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Waltham?

RankedFinancialAdvisors ranks 529 financial advisors serving Waltham, MA. 8 of them are based in Waltham; 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 Waltham work on weekends?

125 of 529 ranked financial advisors post Saturday hours and 15 post Sunday hours. The highest-ranked open Saturdays are American Consumer Credit Counseling, Inc. (#6) and Bank of America Financial Center (#16). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Waltham financial advisors have?

The median Google rating among 529 rated financial advisors in Waltham is 4.7★, with a median of 11 reviews. American Consumer Credit Counseling, Inc. has the most, 4,572 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 Waltham count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 529 financial advisors serving Waltham.
  2. November 2026: 7 duplicate listings merged.

More financial advisors and Waltham pages