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Financial Planners in Cocoa Beach, FL: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Cocoa Beach: Chell Financial, RFA Score 69/100; 5.0★ from 58 Google reviews.

  2. 15

    Most-reviewed: Bank of America (with Drive-thru ATM), 126 Google reviews at 2.7★, the most of 64 ranked; ranked #15.

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

64 Cocoa Beach financial planners are ranked here by RFA Score, from eight published factors. 9 open Saturdays and 5 open Sundays, based on posted hours. The median Google rating is 4.6★ across 64 rated firms.

Top 10 financial planners in Cocoa Beach 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 Cocoa Beach at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Chell Financial695.0★ (58)Melbourne, 16 mi away—Top score
2Allen & Company of Florida, Inc.685.0★ (38)Melbourne, 9 mi away——
3Krehbiel Financial - John Krehbiel, CFP(R)675.0★ (29)Satellite Beach, 8 mi away——
4Jesse Griffith Space Coast Mortgage Broker at New American Funding NMLS 2023557665.0★ (36)Melbourne, 14 mi awaySat · Sun · Evenings—
5Space Coast Credit Union | Cocoa Beach, FL663.7★ (44)Cocoa Beach——
6Zackeroff Key Capital Concepts665.0★ (25)Rockledge, 7 mi away——
7Arbor Financial Services of Florida Inc654.7★ (22)Melbourne, 8 mi away——
8Black Lab Financial Services655.0★ (25)Melbourne, 13 mi away——
9Rossi & Associates645.0★ (26)Melbourne, 16 mi away——
10OxenFree Financial634.8★ (26)Melbourne, 17 mi away——

All 64 financial planners in Cocoa Beach, 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 Cocoa Beach

    #1 Chell Financial

    Based in Melbourne, 16 mi away

    69/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 58 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 58 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    420 4th Ave Ste B, Indialantic, FL 32903
    View profile for Chell Financial(571) 242-1945

  4. #4 Jesse Griffith Space Coast Mortgage Broker at New American Funding NMLS 2023557

    Based in Melbourne, 14 mi away

    66/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 5.0★ from 36 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 36 Google reviews
    Hours
    Mon–Fri 7:30 AM–9:30 PM · Sat 8 AM–9 PM · Sun 8 AM–9:30 PM
    Address
    524 N Harbor City Blvd, Melbourne, FL 32935
    View profile for Jesse Griffith Space Coast Mortgage Broker at New American Funding NMLS 2023557

  8. #8 Black Lab Financial Services

    Based in Melbourne, 13 mi away

    65/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 25 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    Share with Sybil's Relaxation Station, 1301 W Eau Gallie Blvd 98 Office, Melbourne, FL 32935
    View profile for Black Lab Financial Services(321) 358-3420

  9. #9 Rossi & Associates

    Based in Melbourne, 16 mi away

    64/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 26 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 26 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1800 W Hibiscus Blvd #134, Melbourne, FL 32901
    View profile for Rossi & Associates(321) 768-7687

  10. #10 OxenFree Financial

    Based in Melbourne, 17 mi away

    63/100RFA Score

    Ranked #10 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 9 AM–5 PM · Sat–Sun closed
    Address
    1900 S Harbor City Blvd #111, Melbourne, FL 32901
    View profile for OxenFree Financial(321) 722-7882

  11. #11 Income First Group

    Based in Rockledge, 7 mi away

    63/100RFA Score

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

    • 5.0★ from 13 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    5445 Village Dr #108, Rockledge, FL 32955
    View profile for Income First Group(321) 321-2974

  12. #12 Three Bridges Planning

    Based in Melbourne, 15 mi away

    63/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 5.0★ from 18 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 18 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    304 S Harbor City Blvd Ste 200, Melbourne, FL 32901
    View profile for Three Bridges Planning(321) 225-3154

  14. #14 Sky Peak Financial

    Based in Melbourne, 16 mi away

    62/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 5.0★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 17 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    930 S Harbor City Blvd #503, Melbourne, FL 32901
    View profile for Sky Peak Financial(603) 782-3005

  16. #16 Borde & Associates

    Based in Melbourne, 17 mi away

    62/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.9★ from 18 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 18 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1900 S Harbor City Blvd Suite 328, Melbourne, FL 32901
    View profile for Borde & Associates(321) 252-2340

  20. #20 McPherson Financial Group

    Based in Melbourne, 9 mi away

    61/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 4.1★ from 13 Google reviews, listed on Google as “Financial planner”.

    • 4.1★ from 13 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–2 PM · Sat–Sun closed
    Address
    3159 Alzante Cir, Melbourne, FL 32940
    View profile for McPherson Financial Group(321) 253-2016

Financial planners 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 64 ranked financial planners here; the rest are on their profiles.

financial planners in Cocoa Beach, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Eppes Wealth Management LLC615.0★ (8)10 mi
27Space Coast Credit Union | Titusville, FL613.4★ (68)21 mi
28Miller & Caruso LLC604.6★ (12)14 mi
29Luminary Financial Advisors605.0★ (3)In Cocoa Beach
30The Retirement Planning Doctor605.0★ (3)In Cocoa Beach
31First Command Financial Advisor - Tyler Witzel, RICP®605.0★ (7)10 mi
32Houser Financial Group604.3★ (6)7 mi
33Space Coast Credit Union | Palm Bay Wal-Mart Location | West Melbourne, FL603.4★ (37)20 mi
34Bank of America (with Drive-thru ATM)593.4★ (21)16 mi
35Security Financial Management595.0★ (5)9 mi
36Space Coast Credit Union | Melbourne, FL592.7★ (72)15 mi
37Lauren Hutto - Thrivent595.0★ (4)7 mi
38First Command Financial Advisor - Dany Rendon595.0★ (5)10 mi
39Bankers Life594.6★ (9)17 mi
40Space Coast Credit Union | NW Palm Bay | West Melbourne, FL593.3★ (28)20 mi
41LPL Financial, The Office of Rob Dale, CFP594.2★ (5)9 mi
42Atlantic Financial Advisors, LLC595.0★ (5)11 mi
43Financial Cornerstone Group595.0★ (3)6 mi
44Space Coast Credit Union | Palm Bay West | Palm Bay, FL593.3★ (38)23 mi
45Savant Wealth Management585.0★ (4)10 mi
46Flammio Financial Group, LLC585.0★ (3)8 mi
47Merrill Lynch Wealth Management572.5★ (4)8 mi
48Eastwood & Associates Wealth Strategies575.0★ (3)12 mi
49Benjamin F. Edwards574.4★ (5)16 mi
50Bank of America (with Drive-thru ATM)572.6★ (89)22 mi

Also serving Cocoa Beach

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 Cocoa Beach
BusinessGoogle ratingDistance
API Financial Management5.0★ (2)12 mi
BlackSands Wealth Group5.0★ (2)11 mi
Carl Coddington - Prudential Financial3.0★ (2)In Cocoa Beach
Connors Wealth Management5.0★ (2)In Cocoa Beach
Edelman Financial Engines2.0★ (2)10 mi
Edward Jones - Financial Advisor: Cameron B Mitchell, CEPA®|AAMS®|CRPC™5.0★ (16)In Cocoa Beach
Edward Jones - Financial Advisor: Jason A Carey, ChFC®5.0★ (4)In Cocoa Beach
Elizabeth Weido: Primerica - Financial Services5.0★ (4)In Cocoa Beach
J W Cocoa FinancialIn Cocoa Beach
Kenneth Whittaker - Raymond James5.0★ (2)16 mi
Legacy Investment Consultants5.0★ (2)12 mi
Leonard Financial Group3.5★ (2)9 mi
Raymond James Financial Services5.0★ (2)8 mi
Roth Financial Group3.0★ (2)6 mi
Steve Scott Financial Services3.0★ (2)6 mi
Trendequity Financial Services GroupIn Cocoa Beach
Valavanis Financial5.0★ (2)17 mi
Wealth Care LLCIn Cocoa Beach
Wells Fargo Advisors5.0★ (1)In Cocoa Beach
Wells Fargo Advisors5.0★ (1)In Cocoa Beach

How we ranked Cocoa Beach financial planners

We scored 64 Cocoa Beach 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 Cocoa Beach 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 Cocoa Beach: frequently asked questions

Which financial planner has the highest RFA Score in Cocoa Beach?

By RFA Score, the highest-ranked financial planner in Cocoa Beach, FL is Chell Financial with an RFA Score of 69/100. It has 5.0★ from 58 Google reviews. Allen & Company of Florida, Inc. (#2) and Krehbiel Financial - John Krehbiel, CFP(R) (#3) follow. We ranked 64 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Cocoa Beach?

RankedFinancialAdvisors ranks 64 financial planners serving Cocoa Beach, FL. 3 of them are based in Cocoa Beach; 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 planners in Cocoa Beach work on weekends?

9 of 64 ranked financial planners post Saturday hours and 5 post Sunday hours. The highest-ranked open Saturdays are Jesse Griffith Space Coast Mortgage Broker at New American Funding NMLS 2023557 (#4) and Bank of America (with Drive-thru ATM) (#15). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Cocoa Beach financial planners have?

The median Google rating among 64 rated financial planners in Cocoa Beach is 4.6★, with a median of 14 reviews. Bank of America (with Drive-thru ATM) has the most, 126 reviews, and ranks #15. 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 Cocoa Beach count in this ranking?

Yes, if they are within 25 mi of the Cocoa Beach 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 Cocoa Beach 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 Cocoa Beach 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 Cocoa Beach

  1. November 2026: RFA Scores recalculated for 64 financial planners serving Cocoa Beach.

More financial planners and Cocoa Beach pages