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Financial Advisors in Waterford, CT: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Waterford: Premier Planning Professionals, RFA Score 77/100; 5.0★ from 84 Google reviews.

  2. 9

    Most-reviewed: Hamilton Point Investments LLC, 89 Google reviews at 3.4★, the most of 39 ranked; ranked #9.

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

39 Waterford financial advisors are ranked here by RFA Score, from eight published factors. 5 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 4.2★ across 39 rated firms.

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

Top 10 financial advisors in Waterford 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 Waterford at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Premier Planning Professionals775.0★ (84)Waterford—Top score
2Jabez Financial, LLC715.0★ (37)Ledyard, 8 mi away——
3First Command Financial Advisor - Kelly Gorreck685.0★ (16)New London, 2 mi away——
4M&T Bank684.2★ (17)WaterfordSat—
5Bank of America (with Drive-thru ATM)673.4★ (39)New London, 2 mi awaySat—
6Diamond Tree Properties675.0★ (14)Ledyard, 6 mi awaySat · Sun—
7Bank of America (with Drive-thru ATM)664.0★ (41)Old Saybrook, 13 mi awaySat—
8Bank of America (with Drive-thru ATM)663.2★ (27)Waterford——
9Hamilton Point Investments LLC663.4★ (89)Old Saybrook, 11 mi away—Most reviews
10O'Brien Retirement Investment Group665.0★ (14)Ledyard, 9 mi away——

All 39 financial advisors in Waterford, 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.

  2. #2 Jabez Financial, LLC

    Based in Ledyard, 8 mi away

    71/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 37 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 37 Google reviews
    Hours
    Mon–Fri 9 AM–4 PM · Sat–Sun closed
    Address
    1031 Norwich-New London Turnpike Unit 10, Uncasville, CT 06382
    View profile for Jabez Financial, LLC(860) 390-0093

  4. #4 M&T Bank

    Based in Waterford

    68/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 4.2★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 17 Google reviews
    Hours
    Mon–Tue 9 AM–4 PM · Wed closed · Thu 9 AM–4 PM · Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    716 Broad St, Waterford, CT 06385
    View profile for M&T Bank(860) 447-1401

  13. #13 Sound Financial Partners

    Based in Westerly, 16 mi away

    63/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 5.0★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 11 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    85 Beach St Bldg D, Unit 17A, Westerly, RI 02891
    View profile for Sound Financial Partners(401) 642-4333

  16. #16 T M Burrows Associates LLC

    Based in New London, 2 mi away

    63/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 5.0★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 3 Google reviews
    Hours
    Mon–Thu 9 AM–4:30 PM · Fri 9 AM–12 PM · Sat–Sun closed
    Address
    516 Vauxhall St Ste 201, New London, CT 06320
    View profile for T M Burrows Associates LLC(860) 443-2277

  23. #23 Charles Schwab

    Based in Ledyard, 9 mi away

    61/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 3.5★ from 4 Google reviews, listed on Google as “Financial consultant”.

    • 3.5★ from 4 Google reviews
    Hours
    Mon–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    4 Holmes St Ste B, Mystic, CT 06355
    View profile for Charles Schwab(860) 415-8090

How we ranked Waterford financial advisors

We scored 39 Waterford 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 Waterford 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 Waterford: frequently asked questions

Which financial advisor has the highest RFA Score in Waterford?

By RFA Score, the highest-ranked financial advisor in Waterford, CT is Premier Planning Professionals with an RFA Score of 77/100. It has 5.0★ from 84 Google reviews. Jabez Financial, LLC (#2) and First Command Financial Advisor - Kelly Gorreck (#3) follow. We ranked 39 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Waterford?

RankedFinancialAdvisors ranks 39 financial advisors serving Waterford, CT. 5 of them are based in Waterford; the rest serve it from nearby towns. Counts are as of November 2026.

Which financial advisors in Waterford work on weekends?

5 of 39 ranked financial advisors post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays are M&T Bank (#4), Bank of America (with Drive-thru ATM) (#5) and Diamond Tree Properties (#6). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Waterford financial advisors have?

The median Google rating among 39 rated financial advisors in Waterford is 4.2★, with a median of 6 reviews. Hamilton Point Investments LLC has the most, 89 reviews, and ranks #9. 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 Waterford count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 39 financial advisors serving Waterford.

More financial advisors and Waterford pages