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Financial Planners in Carpinteria, CA: 2026 rankings

33 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Carpinteria: Frans Visser Insurance, RFA Score 65/100; 5.0★ from 21 Google reviews; open Saturdays until 5 PM.

  2. 8

    Most-reviewed: Bank of America (with Drive-thru ATM), 67 Google reviews at 2.6★, the most of 33 ranked; ranked #8.

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

33 Carpinteria financial planners are ranked here by RFA Score, from eight published factors. 7 open Saturdays, based on posted hours. The median Google rating is 5.0★ across 33 rated firms.

Top 10 financial planners in Carpinteria 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 planners in Carpinteria at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Frans Visser Insurance655.0★ (21)Oxnard, 9 mi awaySatTop score
2Omega Financial Group, LLC635.0★ (17)Santa Barbara, 10 mi away——
3Monarch Wealth Strategies - Santa Barbara635.0★ (16)Santa Barbara, 10 mi away——
4Strategic Path Financial Group, LLC625.0★ (23)Oxnard, 23 mi away——
5Foronjy Financial625.0★ (12)Santa Barbara, 10 mi away——
6Bank of America Financial Center612.9★ (46)Santa Barbara, 11 mi awaySat—
7Fidelity Investments593.3★ (15)Santa Barbara, 13 mi away——
8Bank of America (with Drive-thru ATM)582.6★ (67)Ventura, 20 mi awaySatMost reviews
9Bank of America Financial Center582.9★ (63)Oxnard, 25 mi awaySat—
10BMO Bank N.A Branches583.4★ (22)Oxnard, 22 mi awaySat—

All 33 financial planners in Carpinteria, 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.

  5. #5 Foronjy Financial

    Based in Santa Barbara, 10 mi away

    62/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 12 Google reviews
    Hours
    Mon–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    401 Chapala St Apt 105, Santa Barbara, CA 93101
    View profile for Foronjy Financial(805) 880-9444

  7. #7 Fidelity Investments

    Based in Santa Barbara, 13 mi away

    59/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 3.3★ from 15 Google reviews, listed on Google as “Financial planner”.

    • 3.3★ from 15 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    3793 State St, Santa Barbara, CA 93105
    View profile for Fidelity Investments(800) 622-0603

  10. #10 BMO Bank N.A Branches

    Based in Oxnard, 22 mi away

    58/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 3.4★ from 22 Google reviews, listed on Google as “Financial planner”.

    • 3.4★ from 22 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    371 W Esplanade Dr, Oxnard, CA 93036
    View profile for BMO Bank N.A Branches(805) 981-8781

  11. #11 Cerity Partners

    Based in Santa Barbara, 11 mi away

    58/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 5 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 5 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    1435 Anacapa St, Santa Barbara, CA 93101
    View profile for Cerity Partners(805) 962-9131

  20. #20 Painted Porch Advisors

    Based in Santa Barbara, 14 mi away

    56/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 5.0★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 4 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    115 S La Cumbre Ln Ste 201, Santa Barbara, CA 93105
    View profile for Painted Porch Advisors(805) 567-4288

  23. #23 Powell Wealth Management

    Based in Santa Barbara, 11 mi away

    56/100RFA Score

    Ranked #23 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–Fri 6:30 AM–4 PM · Sat–Sun closed
    Address
    111 W Micheltorena St Ste 220, Santa Barbara, CA 93101
    View profile for Powell Wealth Management(805) 695-4830

  25. #25 Maranantha Financial

    Based in Ventura, 17 mi away

    55/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 4 Google reviews
    Hours
    Mon–Fri 9 AM–4 PM · Sat–Sun closed
    Address
    Ventura Fwy, Ventura, CA 93001
    View profile for Maranantha Financial(805) 665-3767

All 33 financial planners

#1 to #25 are shown in full above. Here are #26 to #33, in RFA Score order; each links to its profile.

financial planners in Carpinteria, ranks 26 to 33
RankBusinessRFA ScoreGoogle ratingDistance
26Lifetime Planning, Inc555.0★ (4)17 mi
27Kelly and Associates CPA554.2★ (5)20 mi
28Bank of America Financial Center541.9★ (48)23 mi
29The Lynd Group545.0★ (3)20 mi
30Prospera Succession Partners - Oxnard535.0★ (3)22 mi
31Mission Realty523.7★ (3)23 mi
32Harbor Hills Wealth Management525.0★ (10)7 mi
33Montecito Capital Management505.0★ (8)10 mi

Also serving Carpinteria

20 more financial planners 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 planners serving Carpinteria
BusinessGoogle ratingDistance
Alamar Capital Management LLC5.0★ (1)10 mi
Anderson Financial Solutions5.0★ (2)11 mi
Aztec Financial Services5.0★ (2)23 mi
Balance Financial Management5.0★ (1)11 mi
bart ketterling5.0★ (2)17 mi
Bourke Wealth Management Certified Financial Planner5.0★ (2)10 mi
Brian Boyle - Thrivent3.0★ (2)17 mi
Cresset3.0★ (2)10 mi
Edward Jones - Financial Advisor: Aaron P Crocker5.0★ (3)In Carpinteria
Edward Jones - Financial Advisor: Samantha F AndersonIn Carpinteria
First Command3.0★ (2)18 mi
gIn Carpinteria
Hoffman & Associates Financial5.0★ (2)15 mi
Judy Pirkowitsch - Financial Advisor, Ameriprise Financial Services, LLC1.0★ (1)10 mi
Kairos Wealth Partners - Ameriprise Financial Services, LLC5.0★ (1)10 mi
Mariner5.0★ (2)15 mi
Nonprofit Professional ServicesIn Carpinteria
Raymond James Financial ServicesIn Carpinteria
The Options ClubIn Carpinteria
U.S. Bank - Private Wealth Advisor: Jeanne Abraham1.0★ (1)11 mi

How we ranked Carpinteria financial planners

We scored 33 Carpinteria financial planners 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 Carpinteria 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 planner

  1. Confirm the financial planner 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 planner

  • 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 planner?
  • 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 planners in Carpinteria: frequently asked questions

Which financial planner has the highest RFA Score in Carpinteria?

By RFA Score, the highest-ranked financial planner in Carpinteria, CA is Frans Visser Insurance with an RFA Score of 65/100. It has 5.0★ from 21 Google reviews. It is open Saturdays until 5 PM. Omega Financial Group, LLC (#2) and Monarch Wealth Strategies - Santa Barbara (#3) follow. We ranked 33 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Carpinteria?

RankedFinancialAdvisors ranks 33 financial planners serving Carpinteria, CA. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Carpinteria work on weekends?

7 of 33 ranked financial planners post Saturday hours. The highest-ranked open Saturdays are Frans Visser Insurance (#1), Bank of America Financial Center (#6) and Bank of America (with Drive-thru ATM) (#8). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Carpinteria financial planners have?

The median Google rating among 33 rated financial planners in Carpinteria is 5.0★, with a median of 10 reviews. Bank of America (with Drive-thru ATM) has the most, 67 reviews, and ranks #8. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial planners?

Each financial planner 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 planners outside Carpinteria count in this ranking?

Yes, if they are within 25 mi of the Carpinteria city center, our service radius for financial planners. 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 planners 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 planner do?

Financial planners build a written plan across a client’s goals: cash flow, savings, investments, insurance needs, taxes, retirement and estate. Many charge a flat or hourly fee for the plan, an ongoing retainer, or a share of the assets they manage.

How are financial planners in Carpinteria ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial planning 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 planner’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 planner in Carpinteria 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 planners 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 Carpinteria

  1. November 2026: RFA Scores recalculated for 33 financial planners serving Carpinteria.
  2. November 2026: 1 duplicate listing merged.

More financial planners and Carpinteria pages