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Financial Planners in Lacey, WA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Lacey: Mike Oliver - COUNTRY Financial Representative, RFA Score 75/100; 4.9★ from 80 Google reviews.

  2. 8

    Most-reviewed: America's Credit Union - South Tacoma Branch, 179 Google reviews at 4.5★, the most of 74 ranked; ranked #8.

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

74 Lacey financial planners are ranked here by RFA Score, from eight published factors. 10 open Saturdays, based on posted hours. The median Google rating is 4.7★ across 74 rated firms.

Top 10 financial planners in Lacey 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 Lacey at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Mike Oliver - COUNTRY Financial Representative754.9★ (80)Lacey—Top score
2Briarwood Financial725.0★ (163)Artondale, 22 mi away——
3America's Credit Union - DuPont Branch714.6★ (93)Joint Base Lewis McChord, 9 mi away——
4America's Credit Union - Madigan Branch714.9★ (85)Joint Base Lewis McChord, 14 mi away——
5First Command Financial Advisor - Ryan Feng715.0★ (91)Lakewood, 18 mi away——
6America's Credit Union - Main Office714.7★ (78)Joint Base Lewis McChord, 11 mi away——
7First Command Financial Advisor - Mario Oliver, RICP®704.9★ (49)Joint Base Lewis McChord, 10 mi away——
8America's Credit Union - South Tacoma Branch704.5★ (179)Tacoma, 20 mi awaySatMost reviews
9America's Credit Union - Tumwater Branch704.9★ (29)Tumwater, 4 mi awaySat—
10First Command Financial Advisor - Cassy Randolph, RICP®|CMFA™695.0★ (52)Lakewood, 18 mi away——

All 74 financial planners in Lacey, 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.

  2. #2 Briarwood Financial

    Based in Artondale, 22 mi away

    72/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 163 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 163 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    2801 Hollycroft St Ste B #1, Gig Harbor, WA 98335
    View profile for Briarwood Financial(360) 443-9993

  8. #8 America's Credit Union - South Tacoma Branch

    Based in Tacoma, 20 mi away

    70/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.5★ from 179 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 179 Google reviews
    Hours
    Mon–Tue 9 AM–5:30 PM · Wed closed · Thu–Fri 9 AM–5:30 PM · Sat 10 AM–2 PM · Sun closed
    Address
    26 Place Shopping Center, 1917 S 72nd St Ste 25, Tacoma, WA 98408
    View profile for America's Credit Union - South Tacoma Branch(253) 964-3113

  11. #11 Stable Wealth

    Based in Lacey

    68/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 15 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 15 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–1 PM · Sat–Sun closed
    Address
    676 Woodland Square Loop SE Ste 302w, Lacey, WA 98503
    View profile for Stable Wealth(360) 455-3799

  13. #13 Heart Financial Group

    Based in Olympia, 6 mi away

    68/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.7★ from 23 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 23 Google reviews
    Hours
    Mon–Thu 7:30 AM–4 PM · Fri 7:30 AM–3 PM · Sat–Sun closed
    Address
    3250 14th Ave NW, Olympia, WA 98502
    View profile for Heart Financial Group(360) 878-8065

  15. #15 O Bee Credit Union

    Based in Tumwater, 4 mi away

    67/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 3.6★ from 66 Google reviews, listed on Google as “Financial planner”.

    • 3.6★ from 66 Google reviews
    Hours
    Mon–Tue 9 AM–5:30 PM · Wed closed · Thu 9 AM–5:30 PM · Fri 9 AM–6 PM · Sat–Sun closed
    Address
    3900 Cleveland Ave SE, Tumwater, WA 98501
    View profile for O Bee Credit Union(360) 943-0740

  17. #17 O Bee Credit Union

    Based in Olympia, 6 mi away

    67/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 3.9★ from 34 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 34 Google reviews
    Hours
    Mon–Tue 9 AM–5:30 PM · Wed closed · Thu 9 AM–5:30 PM · Fri 9 AM–6 PM · Sat–Sun closed
    Address
    410 Cooper Point Rd SW, Olympia, WA 98502
    View profile for O Bee Credit Union(800) 642-4014

  18. #18 BECU credit union

    Based in University Place, 19 mi away

    66/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.0★ from 115 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 115 Google reviews
    Hours
    Mon–Tue 9 AM–6 PM · Wed closed · Thu–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    3929 Bridgeport Way W, University Place, WA 98466
    View profile for BECU credit union(800) 233-2328

  19. #19 Global Credit Union

    Based in Olympia, 6 mi away

    66/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 3.9★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 27 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat–Sun closed
    Address
    1313 Cooper Point Rd SW, Olympia, WA 98502
    View profile for Global Credit Union(800) 525-9094

  25. #25 Equal Path Investments

    Based in Tacoma, 24 mi away

    64/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 27 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    539 Broadway Ste J1, Tacoma, WA 98402
    View profile for Equal Path Investments(253) 254-8354

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

financial planners in Lacey, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26America's Credit Union - Home Loan Center644.4★ (13)9 mi
27Bank of America (with Drive-thru ATM)643.0★ (37)4 mi
28Batik Financial635.0★ (13)17 mi
29CAPSTONE Investment Group, LLC633.7★ (6)4 mi
30O Bee Credit Union634.1★ (33)21 mi
31Conestoga Wealth Partners LLC635.0★ (17)23 mi
32Puget Sound Financial Strategies634.8★ (16)21 mi
33First Command Financial Advisor - George Calbert634.7★ (12)18 mi
34Steele Capital Management635.0★ (16)23 mi
35Bigelow Family Financial, LLC634.2★ (5)7 mi
36America's Credit Union - North Fort Lewis Branch624.3★ (8)12 mi
37Global Credit Union623.8★ (44)24 mi
38Commencement Bank624.4★ (18)23 mi
39Chad Alvarado - Thrivent615.0★ (10)22 mi
40Bankers Life613.4★ (24)19 mi
41First Command Financial Advisor - Chris Muller615.0★ (6)18 mi
42First Command Financial Advisor - Robert Chinneth615.0★ (6)18 mi
43Commencement Financial Planning, LLC604.9★ (31)18 mi
44Bank of America Financial Center603.0★ (83)20 mi
45Sokountea “Soky” Mings, Financial Professional-New York Life605.0★ (8)24 mi
46BMO Bank N.A Branches603.3★ (37)24 mi
47First Command604.2★ (5)18 mi
48Summit Wealth Management605.0★ (7)23 mi
49Bank of America (with Drive-thru ATM)603.2★ (38)24 mi
50First Command Financial Advisor - Austin Hill594.0★ (4)18 mi

Also serving Lacey

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 Lacey
BusinessGoogle ratingDistance
Access GroupIn Lacey
Candice Richards - COUNTRY Financial AgentIn Lacey
CLA (CliftonLarsonAllen)In Lacey
Edward Jones - Financial Advisor: Cameron A Daniels5.0★ (9)In Lacey
Edward Jones - Financial Advisor: Devin WhiteIn Lacey
Edward Jones - Financial Advisor: Eric C Rowe4.3★ (6)In Lacey
Edward Jones - Financial Advisor: Garrett Balduff, AAMS®5.0★ (1)In Lacey
Edward Jones - Financial Advisor: Jeff Kopp5.0★ (2)In Lacey
Edward Jones - Financial Advisor: Jon Emerson, CEPA®|AAMS®5.0★ (3)In Lacey
Edward Jones - Financial Advisor: Joseph G Crest, AAMS®3.7★ (3)In Lacey
Edward Jones - Financial Advisor: Kevin Rowe5.0★ (2)In Lacey
Edward Jones - Financial Advisor: Lisa M Brager5.0★ (1)In Lacey
Edward Jones - Financial Advisor: Pamela J Ferris5.0★ (2)In Lacey
Genuine Financials5.0★ (2)In Lacey
Michael Neuschwander - Prudential FinancialIn Lacey
Navigate Financial3.0★ (2)In Lacey
Pillar Financial Group5.0★ (1)In Lacey
Sydney Snyder - COUNTRY Financial AgentIn Lacey
Vitality Wealth Planning5.0★ (1)In Lacey
Weinand Financial3.0★ (2)In Lacey

How we ranked Lacey financial planners

We scored 74 Lacey 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 Lacey 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 Lacey: frequently asked questions

Which financial planner has the highest RFA Score in Lacey?

By RFA Score, the highest-ranked financial planner in Lacey, WA is Mike Oliver - COUNTRY Financial Representative with an RFA Score of 75/100. It has 4.9★ from 80 Google reviews. Briarwood Financial (#2) and America's Credit Union - DuPont Branch (#3) follow. We ranked 74 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Lacey?

RankedFinancialAdvisors ranks 74 financial planners serving Lacey, WA. 4 of them are based in Lacey; 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 Lacey work on weekends?

10 of 74 ranked financial planners post Saturday hours. The highest-ranked open Saturdays are America's Credit Union - South Tacoma Branch (#8), America's Credit Union - Tumwater Branch (#9) and America's Credit Union - Lakewood Branch (#14). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Lacey financial planners have?

The median Google rating among 74 rated financial planners in Lacey is 4.7★, with a median of 16 reviews. America's Credit Union - South Tacoma Branch has the most, 179 reviews, and ranks #8. 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 Lacey count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 74 financial planners serving Lacey.

More financial planners and Lacey pages