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Financial Planners in Concord, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Concord: Insight Capital Management, RFA Score 76/100; 5.0★ from 145 Google reviews.

  2. 6

    Most-reviewed: Forge Trust, 179 Google reviews at 4.2★, the most of 236 ranked; ranked #6.

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

236 Concord financial planners are ranked here by RFA Score, from eight published factors. 59 open Saturdays and 6 open Sundays, based on posted hours. The median Google rating is 4.0★ across 236 rated firms.

Top 10 financial planners in Concord 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 Concord at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Insight Capital Management765.0★ (145)Concord—Top score
2Joe Wu, CPA684.9★ (37)Concord——
3Bank of America Financial Center684.5★ (58)Martinez, 4 mi away——
4Tomren & Sullivan Wealth Management675.0★ (59)San Ramon, 15 mi away——
5Bank of America Financial Center664.8★ (94)San Francisco, 24 mi away——
6Forge Trust664.2★ (179)San Francisco, 24 mi away—Most reviews
7Summit Wealth & Retirement Partners665.0★ (44)San Ramon, 14 mi away——
8Patelco Credit Union Concord663.6★ (71)ConcordSat—
9Owl and Ore Wealth Planning654.8★ (25)Pleasant Hill, 3 mi away——
10Patelco Credit Union Brentwood644.2★ (71)Brentwood, 16 mi awaySat—

All 236 financial planners in Concord, 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 Concord

    #1 Insight Capital Management

    Based in Concord

    76/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 145 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 145 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    1390 Willow Pass Rd Ste 960, Concord, CA 94520
    View profile for Insight Capital Management(925) 362-9571

  2. #2 Joe Wu, CPA

    Based in Concord

    68/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 4.9★ from 37 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 37 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    View profile for Joe Wu, CPA(925) 775-5389

  6. #6 Forge Trust

    Based in San Francisco, 24 mi away

    66/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.2★ from 179 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 179 Google reviews
    Hours
    Mon–Fri 6 AM–5 PM · Sat–Sun closed
    Address
    4 Embarcadero Ctr Fl 15, San Francisco, CA 94111
    View profile for Forge Trust(800) 248-8447

  11. #11 LampPost Planning

    Based in Oakland, 15 mi away

    64/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 34 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 34 Google reviews
    Hours
    Mon–Fri 10 AM–7 PM · Sat–Sun closed
    Address
    20 Knoll Ridge Way Suite 2, Oakland, CA 94619
    View profile for LampPost Planning(510) 992-4000

  12. #12 EP Wealth Advisors

    Based in Walnut Creek, 6 mi away

    64/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 5.0★ from 20 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 20 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1333 N California Blvd Ste 100, Walnut Creek, CA 94596
    View profile for EP Wealth Advisors(925) 283-2201

  13. #13 Beyond Academy

    Based in Pleasanton, 21 mi away

    64/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.7★ from 51 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 51 Google reviews
    Hours
    Mon–Sun 9 AM–8 PM
    Address
    4695 Chabot Dr STE 200, Pleasanton, CA 94588
    View profile for Beyond Academy(925) 690-2880

  17. #17 Monroe Wealth Management

    Based in San Francisco, 24 mi away

    63/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 5.0★ from 40 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 40 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1160 Battery St suite 100, San Francisco, CA 94111
    View profile for Monroe Wealth Management(510) 990-1803

  19. #19 ForUsAll

    Based in San Francisco, 24 mi away

    62/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 4.1★ from 77 Google reviews, listed on Google as “Financial planner”.

    • 4.1★ from 77 Google reviews
    Hours
    Mon–Fri 7 AM–5 PM · Sat–Sun closed
    Address
    665 3rd St, San Francisco, CA 94107
    View profile for ForUsAll(844) 401-2253

  20. #20 Liberty Group

    Based in Oakland, 17 mi away

    62/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 4.8★ from 28 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 28 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    411 30th St Second Floor, Oakland, CA 94609
    View profile for Liberty Group(510) 658-1880

  22. #22 Allworth Financial

    Based in Walnut Creek, 6 mi away

    62/100RFA Score

    Ranked #22 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 8 AM–5 PM · Sat–Sun closed
    Address
    1331 N California Blvd #350, Walnut Creek, CA 94596
    View profile for Allworth Financial(925) 472-0874

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

financial planners in Concord, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Ken R. Anderson, CPA615.0★ (18)14 mi
27Financial Zen615.0★ (29)24 mi
28Fidelity Investments613.5★ (23)5 mi
29Jason Cooke - Edelman Financial Engines615.0★ (14)11 mi
30Frontier Wealth Strategies LP614.6★ (11)5 mi
31Bank of America Financial Center602.5★ (62)In Concord
32BMO Bank N.A Branches602.7★ (26)In Concord
33BMO Bank N.A Branches603.9★ (22)11 mi
34Smeed CPA, Inc604.4★ (27)19 mi
35Bank of America Financial Center603.2★ (60)13 mi
36Edelman Financial Engines605.0★ (8)5 mi
37Patelco Credit Union Berkeley603.4★ (47)15 mi
38Patelco Credit Union Lafayette603.8★ (16)8 mi
39Bank of America Financial Center602.4★ (109)3 mi
40First Command Financial Advisor - Lucas Desautels605.0★ (18)19 mi
41F&M Bank605.0★ (5)In Concord
42Dogpatch Wealth605.0★ (23)25 mi
43Bank of America Financial Center592.6★ (57)6 mi
44Modern Financial Planning594.9★ (16)17 mi
45WealthQuant Financial Services & Insurance Solutions595.0★ (22)24 mi
46Babylon Wealth Management595.0★ (7)6 mi
47BMO Bank N.A Branches593.2★ (21)8 mi
48Bank of America Financial Center593.8★ (34)19 mi
49Margarita's Financial Dynasty, LLC594.6★ (16)16 mi
50Bank of America (with Drive-thru ATM)593.0★ (71)14 mi

Also serving Concord

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 Concord
BusinessGoogle ratingDistance
AXA AdvisorsIn Concord
BAR Financial, LLC1.0★ (1)In Concord
Daniel Y WongIn Concord
Edward Jones - Financial Advisor: Umberto Leone, CFP®|CAP®|ChSNC®|AAMS®5.0★ (3)In Concord
Financial institutionIn Concord
Investment Growth Management, Inc.In Concord
Javier Ly Martinez: Primerica - Financial Services5.0★ (18)In Concord
Merrill Investment & Retirement Financial CenterIn Concord
Mt Diablo Tax Pros4.6★ (22)In Concord
Mutual of Omaha® Advisors - Concord5.0★ (2)In Concord
Neat Ledger5.0★ (7)In Concord
Philip Anthony Nunez Jr: Primerica - Financial Services5.0★ (3)In Concord
Sagar Gurung: Primerica - Financial ServicesIn Concord
Shauna Financial Service5.0★ (3)In Concord
Specialized Services5.0★ (2)In Concord
U.S. Bancorp Advisors - Financial Advisors: ConcordIn Concord
U.S. Bancorp Advisors - Financial Advisors: Justin SayadaIn Concord
Wells Fargo Advisors1.0★ (1)In Concord
Wells Fargo AdvisorsIn Concord
World Financial Group Inc3.5★ (2)In Concord

How we ranked Concord financial planners

We scored 236 Concord 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 Concord 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 Concord: frequently asked questions

Which financial planner has the highest RFA Score in Concord?

By RFA Score, the highest-ranked financial planner in Concord, CA is Insight Capital Management with an RFA Score of 76/100. It has 5.0★ from 145 Google reviews. Joe Wu, CPA (#2) and Bank of America Financial Center (#3) follow. We ranked 236 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Concord?

RankedFinancialAdvisors ranks 236 financial planners serving Concord, CA. 7 of them are based in Concord; 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 Concord work on weekends?

59 of 236 ranked financial planners post Saturday hours and 6 post Sunday hours. The highest-ranked open Saturdays are Patelco Credit Union Concord (#8), Patelco Credit Union Brentwood (#10) and Beyond Academy (#13). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Concord financial planners have?

The median Google rating among 236 rated financial planners in Concord is 4.0★, with a median of 16 reviews. Forge Trust has the most, 179 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 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 Concord count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 236 financial planners serving Concord.

More financial planners and Concord pages