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Financial Planners in Gilroy, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Gilroy: BMO Bank N.A Branches, RFA Score 62/100; 3.6★ from 20 Google reviews; open Saturdays until 12 PM.

  2. 14

    Most-reviewed: Bank of America Financial Center, 60 Google reviews at 2.0★, the most of 23 ranked; ranked #14.

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

23 Gilroy financial planners are ranked here by RFA Score, from eight published factors. 8 open Saturdays, based on posted hours. The median Google rating is 4.0★ across 23 rated firms.

Top 10 financial planners in Gilroy 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 Gilroy at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1BMO Bank N.A Branches623.6★ (20)GilroySatTop score
2Bank of America (with Drive-thru ATM)612.6★ (29)Gilroy——
3Bank of America Financial Center603.4★ (32)Hollister, 14 mi awaySat—
4Resilient Wealth Planning | Bay Area Financial Advisor595.0★ (12)Morgan Hill, 10 mi away——
5BMO Bank N.A Branches573.8★ (10)Morgan Hill, 8 mi awaySat—
6Bank of America Financial Center572.2★ (29)Morgan Hill, 8 mi awaySat—
7Earthrise Financial - Raymond James575.0★ (16)Scotts Valley, 25 mi away——
8Bank of America (with Drive-thru ATM)572.2★ (48)Watsonville, 12 mi awaySat—
9Tuition Solutions Now. Stephen Shapiro CFP575.0★ (13)Capitola, 22 mi away——
10Ledwith Financial Wealth Management554.3★ (6)Morgan Hill, 10 mi away——

All 23 financial planners in Gilroy, 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 Gilroy

    #1 BMO Bank N.A Branches

    Based in Gilroy

    62/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 3.6★ from 20 Google reviews, listed on Google as “Financial planner”.

    • 3.6★ from 20 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    7865 Monterey Rd, Gilroy, CA 95020
    View profile for BMO Bank N.A Branches(408) 847-2919

  5. #5 BMO Bank N.A Branches

    Based in Morgan Hill, 8 mi away

    57/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 3.8★ from 10 Google reviews, listed on Google as “Financial planner”.

    • 3.8★ from 10 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    206 Tennant Station, Morgan Hill, CA 95037
    View profile for BMO Bank N.A Branches(408) 778-2775

  15. #15 HarborLight Investments

    Based in Santa Cruz, 24 mi away

    54/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 5.0★ from 8 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 8 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    180 7th Ave Ste 204, Santa Cruz, CA 95062
    View profile for HarborLight Investments(831) 291-3843

  16. #16 Gryphon Financial Group

    Based in Morgan Hill, 11 mi away

    53/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 3.0★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 3.0★ from 4 Google reviews
    Address
    855 Jarvis Dr, Morgan Hill, CA 95037
    View profile for Gryphon Financial Group

  17. #17 Lanai Wealth Partners

    Based in Capitola, 21 mi away

    53/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 5.0★ from 6 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 6 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    820 Bay Ave Ste 101, Capitola, CA 95010
    View profile for Lanai Wealth Partners(831) 476-7300

  19. #19 BMO Bank N.A Branches

    Based in Capitola, 22 mi away

    53/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 4.0★ from 7 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 7 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    3820 Capitola Rd, Capitola, CA 95010
    View profile for BMO Bank N.A Branches(831) 462-0100

  21. #21 Ohana Wealth Mangement

    Based in Capitola, 20 mi away

    51/100RFA Score

    Ranked #21 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–Thu 8:30 AM–5 PM · Fri 8:30 AM–1 PM · Sat–Sun closed
    Address
    2901 Park Ave b1, Soquel, CA 95073
    View profile for Ohana Wealth Mangement(831) 216-5519

  23. #23 Meriwest Wealth Advisors

    Based in San Jose, 23 mi away

    50/100RFA 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–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    5615 Chesbro Ave, San Jose, CA 95123
    View profile for Meriwest Wealth Advisors(408) 866-1002

Also serving Gilroy

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 Gilroy
BusinessGoogle ratingDistance
Christopher D Loo - Financial Advisor, Ameriprise Financial Services, LLCIn Gilroy
Clock Insurance & Financial Solutions, Inc.5.0★ (2)22 mi
Dabo Financial Group5.0★ (1)14 mi
Edward Jones - Financial Advisor: Liz MurilloIn Gilroy
Edward Jones - Financial Advisor: Lukas T FortinoIn Gilroy
Edward Jones - Financial Advisor: Tim FortinoIn Gilroy
Ellington Financial, LLC5.0★ (1)In Gilroy
Hamdy Abbass - Prudential FinancialIn Gilroy
Jacob Young Financial5.0★ (2)13 mi
Jeffrey M. Orth, Casl Chartered Financial ConsultantIn Gilroy
Kristi Ellington Financial5.0★ (1)In Gilroy
Mark Grisedale5.0★ (2)10 mi
Mitch Dabo Associates and Dabo Financial Group LLC1.0★ (1)14 mi
Ronald G. Pray CompanyIn Gilroy
Schrepfer & Associates, A Blackline Partners CompanyIn Gilroy
The Books Plus, Small Business Bookeeping Services for Santa Clara CountyIn Gilroy
Toni DiazIn Gilroy
Wells Fargo AdvisorsIn Gilroy
Wells Fargo AdvisorsIn Gilroy
Wendy FloresIn Gilroy

How we ranked Gilroy financial planners

We scored 23 Gilroy 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 Gilroy 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 Gilroy: frequently asked questions

Which financial planner has the highest RFA Score in Gilroy?

By RFA Score, the highest-ranked financial planner in Gilroy, CA is BMO Bank N.A Branches with an RFA Score of 62/100. It has 3.6★ from 20 Google reviews. It is open Saturdays until 12 PM. Bank of America (with Drive-thru ATM) (#2) and Bank of America Financial Center (#3) follow. We ranked 23 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Gilroy?

RankedFinancialAdvisors ranks 23 financial planners serving Gilroy, CA. 2 of them are based in Gilroy; 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 Gilroy work on weekends?

8 of 23 ranked financial planners post Saturday hours. The highest-ranked open Saturdays are BMO Bank N.A Branches (#1), Bank of America Financial Center (#3) and BMO Bank N.A Branches (#5). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Gilroy financial planners have?

The median Google rating among 23 rated financial planners in Gilroy is 4.0★, with a median of 12 reviews. Bank of America Financial Center has the most, 60 reviews, and ranks #14. 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 Gilroy count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 23 financial planners serving Gilroy.

More financial planners and Gilroy pages