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Financial Planners in Kingston, ON: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Kingston: Co-operators - Kilpatrick Insurance & Investment Solutions Inc, RFA Score 74/100; 4.5★ from 102 Google reviews.

  2. 7

    Most-reviewed: Scotiabank, 94 Google reviews at 2.9★, the most of 30 ranked after Co-operators - Kilpatrick Insurance & Investment Solutions Inc; ranked #7.

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

30 Kingston financial planners are ranked here by RFA Score, from eight published factors. 5 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 3.8★ across 30 rated firms.

Top 10 financial planners in Kingston 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 Kingston at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Co-operators - Kilpatrick Insurance & Investment Solutions Inc744.5★ (102)Kingston—Top score
2Avesta Wealth - Leah Robertson, CIM685.0★ (20)Kingston——
3BMO Bank of Montreal683.7★ (54)Kingston——
4Heidi Blondin Financial Inc.674.9★ (17)Kingston——
5Caldwell Wealth & Estate Advisory Ltd.655.0★ (12)Kingston——
6Co-operators - Sabrina's Investments & Insurance Inc.653.8★ (22)Kingston——
7Scotiabank652.9★ (94)KingstonSatMost reviews
8BMO Bank of Montreal642.9★ (65)KingstonSat—
9Scotiabank642.8★ (70)Kingston——
10Scotiabank642.8★ (64)Kingston——

All 30 financial planners in Kingston, 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.

  3. #3 BMO Bank of Montreal

    Based in Kingston

    68/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 3.7★ from 54 Google reviews, listed on Google as “Financial planner”.

    • 3.7★ from 54 Google reviews
    Hours
    Mon–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    42 Bath Rd, Kingston, ON K7L 1H5
    View profile for BMO Bank of Montreal(613) 545-3037

  7. #7 Scotiabank

    Based in Kingston

    65/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 2.9★ from 94 Google reviews, listed on Google as “Financial planner”.

    • 2.9★ from 94 Google reviews
    Hours
    Mon–Tue 9:30 AM–5 PM · Wed closed · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–3 PM · Sun closed
    Address
    660 Gardiners Rd, Kingston, ON K7M 3X9
    View profile for Scotiabank(613) 389-6620

  8. #8 BMO Bank of Montreal

    Based in Kingston

    64/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 2.9★ from 65 Google reviews, listed on Google as “Financial planner”.

    • 2.9★ from 65 Google reviews
    Hours
    Mon–Wed 9:30 AM–5 PM · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–4 PM · Sun closed
    Address
    945 GARDINER'S RD, Kingston, ON K7M 7H4
    View profile for BMO Bank of Montreal(613) 384-5276

  9. #9 Scotiabank

    Based in Kingston

    64/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 2.8★ from 70 Google reviews, listed on Google as “Financial planner”.

    • 2.8★ from 70 Google reviews
    Hours
    Mon–Tue 9:30 AM–5 PM · Wed closed · Thu–Fri 9:30 AM–6 PM · Sat–Sun closed
    Address
    101 Princess St, Kingston, ON K7L 1A8
    View profile for Scotiabank(613) 530-2010

  10. #10 Scotiabank

    Based in Kingston

    64/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 2.8★ from 64 Google reviews, listed on Google as “Financial planner”.

    • 2.8★ from 64 Google reviews
    Hours
    Mon–Tue 9:30 AM–5 PM · Wed closed · Thu–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    863 Princess St, Kingston, ON K7L 5N4
    View profile for Scotiabank(613) 542-2861

  11. #11 BMO Bank of Montreal

    Based in Kingston

    63/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 2.7★ from 52 Google reviews, listed on Google as “Financial planner”.

    • 2.7★ from 52 Google reviews
    Hours
    Mon–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    297 King St E, Kingston, ON K7L 3B3
    View profile for BMO Bank of Montreal(613) 545-3005

  13. #13 Co-operators

    Based in Kingston

    63/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 3.5★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 3.5★ from 11 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    Rideau Town Centre, 235 Gore Rd #5, Kingston, ON K7K 6N2
    View profile for Co-operators(613) 544-8500

  14. #14 Winter Financial

    Based in Greater Napanee, 16 km away

    62/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 5.0★ from 10 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 10 Google reviews
    Hours
    Mon–Thu 8 AM–8 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    3994 Howes Rd, Odessa, ON K0H 2H0
    View profile for Winter Financial(613) 449-4944

  17. #17 World Financial Group

    Based in Kingston

    61/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 4.8★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 4 Google reviews
    Hours
    Mon–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    1052 Gardiners Rd, Kingston, ON K7P 0E2
    View profile for World Financial Group(613) 893-6634

  19. #19 Kingston Financial Inc.

    Based in Kingston

    60/100RFA Score

    Ranked #19 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 9 AM–4:30 PM · Sat–Sun closed
    Address
    Kingston Financial Inc, 623 Fortune Crescent #100, Kingston, ON K7P 0L5
    View profile for Kingston Financial Inc.(613) 777-5386

  20. #20 Fred Evans Financial

    Based in Kingston

    60/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 3.3★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 3.3★ from 4 Google reviews
    Hours
    Mon–Fri 9 AM–4:30 PM · Sat–Sun closed
    Address
    716 Arlington Park Pl, Kingston, ON K7M 8H9
    View profile for Fred Evans Financial(613) 634-2365

  22. #22 KCCU Wealth Solutions

    Based in Kingston

    60/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 3.7★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 3.7★ from 3 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    795 Gardiners Rd #5, Kingston, ON K7M 7E6
    View profile for KCCU Wealth Solutions(613) 507-1131

  24. #24 Gatestone

    Based in Kingston

    59/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 2.0★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 2.0★ from 4 Google reviews
    Address
    16 Bath Rd, Kingston, ON K7L 1H4
    View profile for Gatestone(613) 548-7777

All 30 financial planners

#1 to #25 are shown in full above. Here are #26 to #30, in RFA Score order; each links to its profile.

financial planners in Kingston, ranks 26 to 30
RankBusinessRFA ScoreGoogle ratingDistance
26BMO Bank of Montreal573.4★ (14)37 km
27Cara Stapley - IG Wealth Management555.0★ (12)In Kingston
28Scotiabank542.0★ (35)38 km
29Accuracy Plus Accounting & Tax Service544.0★ (4)38 km
30Adam Macdonald RRC CFP - IG Private Wealth Management545.0★ (9)In Kingston

Also serving Kingston

20 more financial planners within 40 km that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial planners serving Kingston
BusinessGoogle ratingDistance
Ben Hunter,CFP,CIM Financial Planner, Investment & Insurance Advisor5.0★ (3)In Kingston
BMO Private Wealth3.5★ (4)In Kingston
CIBC Wood Gundy Kingston Branch3.7★ (3)In Kingston
Edward Jones - Financial Advisor: Marc J Grieves, PFP®|FCSI®5.0★ (2)In Kingston
Edward Jones - Financial Advisor: Michael Halfpenny3.7★ (3)In Kingston
Edward Jones - Financial Advisor: Peter C Schenk5.0★ (4)In Kingston
Edward Jones - Financial Advisor: Ryan T Schenk, CFP®|CIM®5.0★ (4)In Kingston
Ian MacInnes - IG Private Wealth Management5.0★ (2)In Kingston
IG Wealth Management3.0★ (2)In Kingston
Investors Group3.0★ (2)In Kingston
Jason Lam - TD Financial Planner5.0★ (2)In Kingston
Kingston of RBC Dominion Securities Inc.2.7★ (3)In Kingston
Nora and Harrison Taylor of Raymond James Ltd5.0★ (3)In Kingston
Parasol Financial Solutions Inc.5.0★ (6)In Kingston
Pomeroy Financial Solutions Inc.5.0★ (34)In Kingston
Scott Miller - The Miller Investment Advisory Group - ScotiaMcLeod5.0★ (2)In Kingston
Shawn Bough - IG Wealth Management5.0★ (6)In Kingston
Sintra Wealth5.0★ (3)In Kingston
Soverin Financial5.0★ (20)In Kingston
Sun Life Financial St. Lawrence3.0★ (2)In Kingston

How we ranked Kingston financial planners

We scored 30 Kingston 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 Kingston 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 Kingston: frequently asked questions

Which financial planner has the highest RFA Score in Kingston?

By RFA Score, the highest-ranked financial planner in Kingston, ON is Co-operators - Kilpatrick Insurance & Investment Solutions Inc with an RFA Score of 74/100. It has 4.5★ from 102 Google reviews. Avesta Wealth - Leah Robertson, CIM (#2) and BMO Bank of Montreal (#3) follow. We ranked 30 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Kingston?

RankedFinancialAdvisors ranks 30 financial planners serving Kingston, ON. 26 of them are based in Kingston; the rest serve it from nearby towns. Another 20 within 40 km are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Kingston work on weekends?

5 of 30 ranked financial planners post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays are Scotiabank (#7), BMO Bank of Montreal (#8) and Goldhar & Associates Ltd., Licensed Insolvency Trustee. (#15). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Kingston financial planners have?

The median Google rating among 30 rated financial planners in Kingston is 3.8★, with a median of 11 reviews. Co-operators - Kilpatrick Insurance & Investment Solutions Inc has the most, 102 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 Kingston count in this ranking?

Yes, if they are within 40 km of the Kingston city centre, 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 Kingston 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?

Search the person and the firm on the Canadian Securities Administrators’ National Registration Search, and for investment and mutual fund dealer representatives on CIRO AdvisorReport.

Who regulates financial planners in Kingston?

Advisors who sell or recommend securities register with the provincial securities regulator, and representatives of investment and mutual fund dealers are also overseen by CIRO. In Ontario, the titles “Financial Planner” and “Financial Advisor” are restricted to people holding a credential approved by FSRA.

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 Kingston

  1. November 2026: RFA Scores recalculated for 30 financial planners serving Kingston.

More financial planners and Kingston pages