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Financial Planners in Lakeside, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Lakeside: PDS Debt, RFA Score 76/100; 4.9★ from 1,445 Google reviews; open 7 days a week.

  2. 2

    Most-reviewed: Insurance Experts Solutions, 766 Google reviews at 5.0★, the most of 194 ranked after PDS Debt; ranked #2.

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

194 Lakeside financial planners are ranked here by RFA Score, from eight published factors. 30 open Saturdays and 6 open Sundays, based on posted hours. The median Google rating is 5.0★ across 194 rated firms.

Most of this list also appears on the Financial planners in San Diego ranking. See Financial planners in San Diego

Top 10 financial planners in Lakeside 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 Lakeside at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1PDS Debt764.9★ (1,445)San Diego, 12 mi awaySat · Sun · EveningsTop score
2Insurance Experts Solutions745.0★ (766)National City, 18 mi awaySatMost reviews
3Pure Financial Advisors, LLC725.0★ (191)San Diego, 13 mi away——
4PracticeCFO715.0★ (112)San Diego, 12 mi away——
5SimpliFi705.0★ (100)San Diego, 11 mi away——
6Paramount Tax & Accounting - Rancho Bernardo705.0★ (128)San Diego, 14 mi away——
7Taxlana704.8★ (113)San Diego, 11 mi away——
8TaliMar Financial694.9★ (79)San Diego, 12 mi awaySat · Sun—
9One Degree Advisors695.0★ (68)San Diego, 13 mi away——
10Darrin A. Santos, CFP®-FSI Wealth695.0★ (77)San Diego, 15 mi away——

All 194 financial planners in Lakeside, 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 Lakeside

    #1 PDS Debt

    Based in San Diego, 12 mi away

    76/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.9★ from 1,445 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 1,445 Google reviews
    Hours
    Mon–Sun 12 AM–12 AM
    Address
    13520 Evening Creek Dr N Ste 140, San Diego, CA 92128
    View profile for PDS Debt(435) 660-4722

  4. #4 PracticeCFO

    Based in San Diego, 12 mi away

    71/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 5.0★ from 112 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 112 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    13400 Sabre Springs Pkwy #255, San Diego, CA 92128
    View profile for PracticeCFO(800) 675-2712

  5. #5 SimpliFi

    Based in San Diego, 11 mi away

    70/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 100 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 100 Google reviews
    Hours
    Mon–Fri 7:30 AM–4 PM · Sat–Sun closed
    Address
    9666 Businesspark Ave Ste 111, San Diego, CA 92131
    View profile for SimpliFi(858) 695-6600

  7. #7 Taxlana

    Based in San Diego, 11 mi away

    70/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 4.8★ from 113 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 113 Google reviews
    Address
    4950 Waring Rd Ste 8, San Diego, CA 92120
    View profile for Taxlana(619) 602-0697

  8. #8 TaliMar Financial

    Based in San Diego, 12 mi away

    69/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.9★ from 79 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 79 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat 12 AM–12 AM · Sun 8 AM–5 PM
    Address
    13520 Evening Creek Dr N Unit 380, San Diego, CA 92128
    View profile for TaliMar Financial(888) 868-8467

  9. #9 One Degree Advisors

    Based in San Diego, 13 mi away

    69/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 68 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 68 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    3131 Camino Del Rio N Unit 740, San Diego, CA 92108
    View profile for One Degree Advisors(619) 282-3288

  11. #11 Creative Planning

    Based in San Diego, 19 mi away

    68/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 99 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 99 Google reviews
    Address
    11260 El Camino Real Ste 220, San Diego, CA 92130
    View profile for Creative Planning(858) 764-7120

  13. #13 Copley Wealth Management

    Based in San Diego, 15 mi away

    68/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.8★ from 82 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 82 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    5898 Copley Dr Ste 101, San Diego, CA 92111
    View profile for Copley Wealth Management(619) 294-6008

  14. #14 Canter Wealth

    Based in La Jolla, 21 mi away

    68/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 5.0★ from 92 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 92 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    7825 Fay Ave #140, La Jolla, CA 92037
    View profile for Canter Wealth(858) 812-7550

  16. #16 Chillax Finance

    Based in San Diego, 13 mi away

    67/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 5.0★ from 41 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 41 Google reviews
    Address
    3288 Adams Ave #16473, San Diego, CA 92116
    View profile for Chillax Finance

  18. #18 The Options Lady

    Based in San Diego, 19 mi away

    67/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 56 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 56 Google reviews
    Hours
    Mon–Fri 9 AM–6:30 PM · Sat–Sun closed
    Address
    3814 Quarter Mile Dr, San Diego, CA 92130
    View profile for The Options Lady(858) 220-4736

  19. #19 Root Financial

    Based in Encinitas, 25 mi away

    67/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 4.9★ from 108 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 108 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    1106 2nd St #102, Encinitas, CA 92024
    View profile for Root Financial(760) 452-0720

  21. #21 First Command

    Based in San Diego, 14 mi away

    66/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.8★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 32 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    2650 Camino Del Rio N Suite 210, San Diego, CA 92108
    View profile for First Command(619) 299-8772

  24. #24 Verus Capital Partners

    Based in San Diego, 13 mi away

    66/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 22 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 22 Google reviews
    Hours
    Mon–Thu 8 AM–4 PM · Fri 8 AM–3 PM · Sat–Sun closed
    Address
    3111 Camino Del Rio N Suite 405, San Diego, CA 92108
    View profile for Verus Capital Partners(619) 282-7688

How we ranked Lakeside financial planners

We scored 194 Lakeside 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 Lakeside 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 Lakeside: frequently asked questions

Which financial planner has the highest RFA Score in Lakeside?

By RFA Score, the highest-ranked financial planner in Lakeside, CA is PDS Debt with an RFA Score of 76/100. It has 4.9★ from 1,445 Google reviews. It is open 7 days a week. Insurance Experts Solutions (#2) and Pure Financial Advisors, LLC (#3) follow. We ranked 194 financial planners on eight factors, last updated November 9, 2026.

Which financial planners in Lakeside work on weekends?

30 of 194 ranked financial planners post Saturday hours and 6 post Sunday hours. The highest-ranked open Saturdays are PDS Debt (#1), Insurance Experts Solutions (#2) and TaliMar Financial (#8). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Lakeside financial planners have?

The median Google rating among 194 rated financial planners in Lakeside is 5.0★, with a median of 13 reviews. PDS Debt has the most, 1,445 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 Lakeside count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 194 financial planners serving Lakeside.
  2. November 2026: 1 duplicate listing merged.

More financial planners and Lakeside pages