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Financial Advisors in Xenia, OH: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Xenia: Day Air Credit Union, RFA Score 76/100; 4.9★ from 2,575 Google reviews; open Saturdays until 1 PM.

  2. 4

    Most-reviewed: Pathways Financial Credit Union - Englewood, 361 Google reviews at 4.9★, the most of 122 ranked after Day Air Credit Union; ranked #4.

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

122 Xenia financial advisors are ranked here by RFA Score, from eight published factors. 30 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 4.3★ across 122 rated firms.

Top 10 financial advisors in Xenia 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 Xenia at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Day Air Credit Union764.9★ (2,575)Kettering, 11 mi awaySatTop score
2Pathways Financial Credit Union - Beavercreek724.9★ (208)Beavercreek, 8 mi away——
3Montgomery Insurance & Investments714.9★ (41)Xenia——
4Pathways Financial Credit Union - Englewood704.9★ (361)Englewood, 23 mi away—Most reviews
5Wright-Patt Credit Union684.0★ (77)XeniaSat—
6Edward Jones - Financial Advisor: Mike Reed684.6★ (11)Xenia——
7First Command Financial Advisor - Woody Tegtmeier675.0★ (25)Beavercreek, 10 mi away——
8Wright-Patt Credit Union674.3★ (67)Fairborn, 8 mi awaySat—
9First Command Financial Advisor - Jason Jukes, MBA675.0★ (22)Beavercreek, 10 mi away——
10McCarthy Wealth And Tax Advisors675.0★ (45)Springboro, 19 mi away——

All 122 financial advisors in Xenia, 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 Xenia

    #1 Day Air Credit Union

    Based in Kettering, 11 mi away

    76/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.9★ from 2,575 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 2,575 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    3501 Wilmington Pike, Kettering, OH 45429
    View profile for Day Air Credit Union(937) 643-2160

  5. #5 Wright-Patt Credit Union

    Based in Xenia

    68/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.0★ from 77 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 77 Google reviews
    Hours
    Mon–Tue 9 AM–6 PM · Wed closed · Thu–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    1636 W Park Square, Xenia, OH 45385
    View profile for Wright-Patt Credit Union(800) 762-0047

  8. #8 Wright-Patt Credit Union

    Based in Fairborn, 8 mi away

    67/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.3★ from 67 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 67 Google reviews
    Hours
    Mon–Tue 9 AM–6 PM · Wed closed · Thu–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    1298 E Dayton Yellow Springs Rd, Fairborn, OH 45324
    View profile for Wright-Patt Credit Union(800) 762-0047

  13. #13 Golden Reserve

    Based in Beavercreek, 16 mi away

    66/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 5.0★ from 29 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 29 Google reviews
    Hours
    Mon–Fri 8:30 AM–5:30 PM · Sat–Sun closed
    Address
    10883 Yankee St, Washington Township, OH 45458
    View profile for Golden Reserve(937) 741-7761

  15. #15 James Investment

    Based in Xenia

    66/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.0★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 4 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    1349 Fairground Rd, Xenia, OH 45385
    View profile for James Investment(937) 426-7640

  17. #17 Wright-Patt Credit Union

    Based in Fairborn, 9 mi away

    65/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 4.0★ from 85 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 85 Google reviews
    Hours
    Mon–Tue 9 AM–6 PM · Wed closed · Thu–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    2465 Executive Park Blvd, Fairborn, OH 45324
    View profile for Wright-Patt Credit Union(800) 762-0047

  20. #20 Prosper Capital

    Based in Loveland, 13 mi away

    65/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 5.0★ from 13 Google reviews, listed on Google as “Investment service”.

    • 5.0★ from 13 Google reviews
    Hours
    Mon–Fri 9 AM–4:30 PM · Sat–Sun closed
    View profile for Prosper Capital(513) 940-0033

  23. #23 Wright-Patt Credit Union

    Based in Wilmington, 17 mi away

    65/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 4.3★ from 84 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 84 Google reviews
    Hours
    Mon–Tue 9 AM–6 PM · Wed closed · Thu–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    161 Carrie Dr, Wilmington, OH 45177
    View profile for Wright-Patt Credit Union(800) 762-0047

  24. #24 Tulip Tree Finance

    Based in Columbus, 13 mi away

    64/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 9 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 9 Google reviews
    Hours
    Mon–Fri 7:30 AM–8 PM · Sat 7:30 AM–2 PM · Sun closed
    View profile for Tulip Tree Finance(614) 314-0799

  25. #25 Wright-Patt Credit Union

    Based in Dayton, 16 mi away

    64/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 4.2★ from 64 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 64 Google reviews
    Hours
    Mon–Tue 9 AM–5:30 PM · Wed closed · Thu–Fri 9 AM–5:30 PM · Sat 9 AM–1 PM · Sun closed
    Address
    1137 W Third St, Dayton, OH 45402
    View profile for Wright-Patt Credit Union(800) 762-0047

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

financial advisors in Xenia, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Wright-Patt Credit Union644.1★ (16)11 mi
27Wright-Patt Credit Union644.2★ (37)15 mi
28Fidelity Investments643.7★ (35)9 mi
29Wright-Patt Credit Union644.0★ (73)14 mi
30Wright-Patt Credit Union644.2★ (90)18 mi
31Wright-Patt Credit Union644.0★ (61)14 mi
32Artifex Financial Group644.2★ (17)13 mi
33MyUSA Credit Union643.9★ (11)10 mi
34Gudorf Financial Group, LLC645.0★ (20)21 mi
35Wright-Patt Credit Union643.9★ (14)10 mi
36Edward Jones - Financial Advisor: Tim Schmale, CFP®|AAMS®645.0★ (4)9 mi
37Modern Money Wealth Advisors645.0★ (6)12 mi
38Primerica645.0★ (4)10 mi
39Wright-Patt Credit Union643.7★ (149)11 mi
40Gallagher Pool Wealth Management645.0★ (5)11 mi
41Dillhoff Financial Services645.0★ (6)13 mi
42Edward Jones - Financial Advisor: Rob Fortman II645.0★ (4)10 mi
43Christopher A Wysong - Financial Advisor, Ameriprise Financial Services, LLC645.0★ (6)13 mi
44Clearview Wealth Management645.0★ (5)12 mi
45Wealth Accel645.0★ (6)13 mi
46Feldmeyer Financial Group - Dayton Office635.0★ (4)11 mi
47Wright-Patt Credit Union634.1★ (48)18 mi
48Edward Jones - Financial Advisor: Greg Rhodes, AAMS®|CRPC™|CWS®634.3★ (6)12 mi
49Transamerica Financial Advisors635.0★ (6)14 mi
50Northwestern Mutual dayton634.3★ (11)15 mi

Also serving Xenia

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 Xenia
BusinessGoogle ratingDistance
Alternative Divorce Solutions5.0★ (2)11 mi
Ameriprise Financial5.0★ (2)9 mi
Austria Wealth Advisors - Ameriprise Financial Services, LLC5.0★ (2)8 mi
Edward Jones - Financial Advisor: Aaron L Jobson, ChFC®5.0★ (2)10 mi
Edward Jones - Financial Advisor: Collin A Crowe, CRPS™5.0★ (2)In Xenia
Edward Jones - Financial Advisor: Heather L Daum5.0★ (2)In Xenia
Edward Jones - Financial Advisor: Ryan Beach, CEPA®|AAMS®5.0★ (2)In Xenia
Edward Jones - Financial Advisor: Ryan P Carpe, CFP®5.0★ (2)8 mi
Edward Jones - Financial Advisor: Sarah L SelkeIn Xenia
Edward Jones InvestmentsIn Xenia
James Advantage FundsIn Xenia
James Capital Alliance IncIn Xenia
Pinnacle Financial Associates5.0★ (2)7 mi
Pope Wealth AdvisorsIn Xenia
Prudential | Dennis Eck | Life Insurance & Financial Services4.0★ (2)11 mi
Rodriguez Financial Strategies, LLC5.0★ (2)10 mi
SilverArrow Financial5.0★ (2)In Xenia
Westminster Financial Sec3.0★ (2)9 mi
Wichman & Newell Financial AdvisorsIn Xenia
Wright Financial Choice IncIn Xenia

How we ranked Xenia financial advisors

We scored 122 Xenia 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 Xenia 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 Xenia: frequently asked questions

Which financial advisor has the highest RFA Score in Xenia?

By RFA Score, the highest-ranked financial advisor in Xenia, OH is Day Air Credit Union with an RFA Score of 76/100. It has 4.9★ from 2,575 Google reviews. It is open Saturdays until 1 PM. Pathways Financial Credit Union - Beavercreek (#2) and Montgomery Insurance & Investments (#3) follow. We ranked 122 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Xenia?

RankedFinancialAdvisors ranks 122 financial advisors serving Xenia, OH. 4 of them are based in Xenia; 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 Xenia work on weekends?

30 of 122 ranked financial advisors post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays are Day Air Credit Union (#1), Wright-Patt Credit Union (#5) and Wright-Patt Credit Union (#8). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Xenia financial advisors have?

The median Google rating among 122 rated financial advisors in Xenia is 4.3★, with a median of 7 reviews. Day Air Credit Union has the most, 2,575 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 Xenia count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 122 financial advisors serving Xenia.
  2. November 2026: 1 duplicate listing merged.

More financial advisors and Xenia pages