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Financial Planners in Costa Mesa, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Costa Mesa: Mutual of Omaha Mortgage, RFA Score 75/100; 4.8★ from 276 Google reviews.

  2. 9

    Most-reviewed: American Pacific Financial Services Corp (APFSC), 275 Google reviews at 4.7★, the most of 406 ranked after Mutual of Omaha Mortgage; ranked #9.

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

406 Costa Mesa financial planners are ranked here by RFA Score, from eight published factors. 112 open Saturdays and 13 open Sundays, based on posted hours. The median Google rating is 4.5★ across 406 rated firms.

Top 10 financial planners in Costa Mesa 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 Costa Mesa at a glance
RankBusinessRFA ScoreGoogle ratingBased inNotable for
1Mutual of Omaha Mortgage754.8★ (276)Irvine, 9 mi awayTop score
2BML Wealth Management755.0★ (154)Irvine, 5 mi away—
3Bankers Life745.0★ (141)Irvine, 5 mi away—
4Little Saigon Living Trust745.0★ (148)Westminster, 8 mi away—
5Tax Law Advocates734.7★ (164)Irvine, 5 mi away—
6Modern Wealth Law734.9★ (114)Irvine, 5 mi away—
7Falcon Wealth Planning725.0★ (90)Irvine, 5 mi away—
8Bharmal & Associates, Inc.724.9★ (94)Irvine, 5 mi away—
9American Pacific Financial Services Corp (APFSC)714.7★ (275)Rancho Santa Margarita, 18 mi awayMost reviews
10Secured Income Group714.9★ (112)Tustin, 10 mi away—

All 406 financial planners in Costa Mesa, 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 Costa Mesa

    #1 Mutual of Omaha Mortgage

    Based in Irvine, 9 mi away

    75/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.8★ from 276 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 276 Google reviews
    Hours
    Mon–Fri 8 AM–6 PM · Sat–Sun closed
    Address
    15231 Laguna Canyon Rd Ste 250, Irvine, CA 92618
    View profile for Mutual of Omaha Mortgage(949) 238-6571

  2. #2 BML Wealth Management

    Based in Irvine, 5 mi away

    75/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 154 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 154 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    2 Park Plaza #800, Irvine, CA 92614
    View profile for BML Wealth Management(949) 682-9105

  3. #3 Bankers Life

    Based in Irvine, 5 mi away

    74/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 5.0★ from 141 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 141 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    18022 Cowan Ste 265, Irvine, CA 92614
    View profile for Bankers Life(949) 608-6707

  5. #5 Tax Law Advocates

    Based in Irvine, 5 mi away

    73/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.7★ from 164 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 164 Google reviews
    Hours
    Mon–Fri 7 AM–5 PM · Sat–Sun closed
    Address
    4 Park Plaza #300, Irvine, CA 92614
    View profile for Tax Law Advocates(855) 612-7777

  6. #6 Modern Wealth Law

    Based in Irvine, 5 mi away

    73/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.9★ from 114 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 114 Google reviews
    Hours
    Mon–Fri 9 AM–5:30 PM · Sat–Sun closed
    Address
    2600 Michelson Dr Ste 950, Irvine, CA 92612
    View profile for Modern Wealth Law(949) 371-5003

  7. #7 Falcon Wealth Planning

    Based in Irvine, 5 mi away

    72/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 5.0★ from 90 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 90 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    2030 Main St 13th floor, Irvine, CA 92614
    View profile for Falcon Wealth Planning(855) 963-2526

  10. #10 Secured Income Group

    Based in Tustin, 10 mi away

    71/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 4.9★ from 112 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 112 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    17592 17th St #100, Tustin, CA 92780
    View profile for Secured Income Group(714) 586-7820

  16. #16 M&M Wealth Associates

    Based in Santa Ana, 5 mi away

    69/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 5.0★ from 48 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 48 Google reviews
    Hours
    Mon–Fri 9 AM–7 PM · Sat–Sun closed
    Address
    2900 S Harbor Blvd Ste 225, Santa Ana, CA 92704
    View profile for M&M Wealth Associates(714) 494-9515

  21. #21 John Stokes Financial

    Based in Irvine, 5 mi away

    68/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 5.0★ from 43 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 43 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    2040 Main St Ste 570, Irvine, CA 92614
    View profile for John Stokes Financial(949) 477-1245

  22. #22 Onitus Capital

    Based in Newport Beach, 3 mi away

    68/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 4.9★ from 42 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 42 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    3857 Birch St Ste 5059, Newport Beach, CA 92660
    View profile for Onitus Capital(949) 763-4114

  25. #25 First Command

    Based in Garden Grove, 10 mi away

    68/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 52 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 52 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    12419 S Lewis St Ste 104, Garden Grove, CA 92840
    View profile for First Command(714) 703-8070

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

financial planners in Costa Mesa, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Weaver Consulting Group684.9★ (40)5 mi
27CaseAdvance675.0★ (27)In Costa Mesa
28Stan DiLiberto, CPA, CFP , Inc.674.8★ (65)13 mi
29Business Plans USA | Business Plan Writing Services674.8★ (48)10 mi
30Edwin Does Taxes674.9★ (92)24 mi
31Orange County’s Credit Union - St. Andrew674.0★ (100)7 mi
32Lighthouse Financial Services Inc675.0★ (64)19 mi
33Pure Financial Advisors, LLC664.8★ (33)5 mi
34Retirement Planning Newport Beach | Miramontes Capital664.9★ (29)4 mi
35Essential Trust Financial Insurance Solutions665.0★ (26)4 mi
36Serenity Wealth Management, Orange County, Trevor McGhie, CFP665.0★ (20)In Costa Mesa
37Joshua E. Hernandez - CFEd Certified Financial Educator665.0★ (34)9 mi
38Corey Fast - Edelman Financial Engines664.9★ (39)12 mi
39Galici Financial665.0★ (29)8 mi
40Bank of America (with Drive-thru ATM)653.9★ (82)8 mi
41StrateFi Wealth Management655.0★ (22)4 mi
42Check Capital Management654.8★ (19)In Costa Mesa
43Jaci Iannello - Edelman Financial Engines655.0★ (33)12 mi
44OC Wealth Coach655.0★ (29)9 mi
45Mosley Wealth Management654.9★ (35)12 mi
46Orange County’s Credit Union - Long Beach654.3★ (83)16 mi
47Warren Street Wealth Advisors, LLC655.0★ (29)10 mi
48Crossroads Planning, LLC654.8★ (31)9 mi
49Fortitude Wealth Management655.0★ (19)3 mi
50Pure Financial Advisors, LLC655.0★ (45)19 mi

Also serving Costa Mesa

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 Costa Mesa
BusinessGoogle ratingDistance
Alex Lashkari5.0★ (11)In Costa Mesa
Alliance Resource Group5.0★ (3)In Costa Mesa
CapEx Direct5.0★ (2)In Costa Mesa
CapFirst Financial4.2★ (10)In Costa Mesa
Cash Keeper Financial4.1★ (17)In Costa Mesa
Coastal Edge Payments5.0★ (4)In Costa Mesa
Corcapa 1031 Advisors4.6★ (11)In Costa Mesa
Jamar James | Online Image Partner | Digital Currency Guy5.0★ (5)In Costa Mesa
JCAP Financial Group5.0★ (2)In Costa Mesa
National Credit Partners4.2★ (23)In Costa Mesa
Network Financial5.0★ (24)In Costa Mesa
Pacific Business Capital Corporation5.0★ (2)In Costa Mesa
Penny Gayle Galloway: Primerica - Financial Services4.3★ (3)In Costa Mesa
ProMed Financial5.0★ (11)In Costa Mesa
Rapid Lending Solutions5.0★ (4)In Costa Mesa
Robert Foley - Raymond James5.0★ (2)In Costa Mesa
Swift Debt Relief4.5★ (94)In Costa Mesa
Trustpoint Capital4.6★ (70)In Costa Mesa
Verify Debt Solutions4.8★ (157)In Costa Mesa
Your Money Expert5.0★ (3)In Costa Mesa

How we ranked Costa Mesa financial planners

We scored 406 Costa Mesa 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 Costa Mesa 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 Costa Mesa: frequently asked questions

Which financial planner has the highest RFA Score in Costa Mesa?

By RFA Score, the highest-ranked financial planner in Costa Mesa, CA is Mutual of Omaha Mortgage with an RFA Score of 75/100. It has 4.8★ from 276 Google reviews. BML Wealth Management (#2) and Bankers Life (#3) follow. We ranked 406 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Costa Mesa?

RankedFinancialAdvisors ranks 406 financial planners serving Costa Mesa, CA. 4 of them are based in Costa Mesa; 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 Costa Mesa work on weekends?

112 of 406 ranked financial planners post Saturday hours and 13 post Sunday hours. The highest-ranked open Saturdays are Orange County’s Credit Union - Anaheim (#13), Orange County’s Credit Union - Downtown Santa Ana (#15) and Selah Portfolios & Planning (#17). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Costa Mesa financial planners have?

The median Google rating among 406 rated financial planners in Costa Mesa is 4.5★, with a median of 18 reviews. Mutual of Omaha Mortgage has the most, 276 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 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 Costa Mesa count in this ranking?

Yes, if they are within 25 mi of the Costa Mesa 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 Costa Mesa 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 Costa Mesa 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 Costa Mesa

  1. November 2026: RFA Scores recalculated for 406 financial planners serving Costa Mesa.
  2. November 2026: 2 duplicate listings merged.

More financial planners and Costa Mesa pages