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Financial Planners in Los Osos, 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 Los Osos: Crew Wealth Management, RFA Score 66/100; 5.0★ from 28 Google reviews.

  2. 12

    Most-reviewed: Bank of America Financial Center, 121 Google reviews at 2.4★, the most of 23 ranked; ranked #12.

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

23 Los Osos financial planners are ranked here by RFA Score, from eight published factors. 1 open Saturdays, based on posted hours. The median Google rating is 5.0★ across 23 rated firms.

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

Top 10 financial planners in Los Osos 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 Los Osos at a glance
RankBusinessRFA ScoreGoogle ratingBased inNotable for
1Crew Wealth Management665.0★ (28)San Luis Obispo, 10 mi awayTop score
2Sound Financial & Insurance Solutions, Inc.644.8★ (22)San Luis Obispo, 10 mi away—
3Ross | Carreiro | Brown CPAs, P.C.624.5★ (13)Morro Bay, 4 mi away—
4Mustang Private Wealth625.0★ (15)San Luis Obispo, 10 mi away—
5Foronjy Financial625.0★ (14)San Luis Obispo, 10 mi away—
6Summit Investment Group625.0★ (12)San Luis Obispo, 9 mi away—
7Sherri Banta Group625.0★ (16)San Luis Obispo, 14 mi away—
8Aquila Wealth Advisors, LLC615.0★ (11)San Luis Obispo, 10 mi away—
9EP Wealth Advisors615.0★ (12)San Luis Obispo, 12 mi away—
10R.I.T. Wealth Advisors604.9★ (10)San Luis Obispo, 10 mi away—

All 23 financial planners in Los Osos, 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 Los Osos

    #1 Crew Wealth Management

    Based in San Luis Obispo, 10 mi away

    66/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 28 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 28 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1266 Monterey St, San Luis Obispo, CA 93401
    View profile for Crew Wealth Management(805) 781-3885

  4. #4 Mustang Private Wealth

    Based in San Luis Obispo, 10 mi away

    62/100RFA Score

    Ranked #4 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–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    3850 Long St Suite 120, San Luis Obispo, CA 93401
    View profile for Mustang Private Wealth(805) 439-3800

  5. #5 Foronjy Financial

    Based in San Luis Obispo, 10 mi away

    62/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 14 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 14 Google reviews
    Hours
    Mon–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    1085 Higuera St #120, San Luis Obispo, CA 93401
    View profile for Foronjy Financial(805) 543-1033

  6. #6 Summit Investment Group

    Based in San Luis Obispo, 9 mi away

    62/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 12 Google reviews
    Hours
    Mon–Fri 7:30 AM–3 PM · Sat–Sun closed
    Address
    11545 Los Osos Valley Rd Ste B1, San Luis Obispo, CA 93405
    View profile for Summit Investment Group(800) 549-9001

  7. #7 Sherri Banta Group

    Based in San Luis Obispo, 14 mi away

    62/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 5.0★ from 16 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 16 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    501 Shell Beach Rd Ste E, Pismo Beach, CA 93449
    View profile for Sherri Banta Group(805) 471-1841

  9. #9 EP Wealth Advisors

    Based in San Luis Obispo, 12 mi away

    61/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 12 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    892 Aerovista Pl Ste 220, San Luis Obispo, CA 93401
    View profile for EP Wealth Advisors(805) 541-1308

  10. #10 R.I.T. Wealth Advisors

    Based in San Luis Obispo, 10 mi away

    60/100RFA Score

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

    • 4.9★ from 10 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1326 Chorro St, San Luis Obispo, CA 93401
    View profile for R.I.T. Wealth Advisors(805) 322-5040

  15. #15 Rohr and Associates CPAs

    Based in Arroyo Grande, 18 mi away

    57/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 3.9★ from 10 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 10 Google reviews
    Hours
    Mon–Fri 8 AM–12 PM · Sat–Sun closed
    Address
    1277 E Grand Ave B, Arroyo Grande, CA 93420
    View profile for Rohr and Associates CPAs(805) 473-1040

  16. #16 All American Advisors

    Based in Grover Beach, 18 mi away

    56/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 5.0★ from 5 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 5 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri–Sun closed
    Address
    200 S 13th St Suite 212, Grover Beach, CA 93433
    View profile for All American Advisors(805) 712-1350

  17. #17 Slocum Wealth Management

    Based in San Luis Obispo, 10 mi away

    56/100RFA Score

    Ranked #17 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 7 AM–5 PM · Sat–Sun closed
    Address
    1410 Marsh St Ste 1, San Luis Obispo, CA 93401
    View profile for Slocum Wealth Management(805) 541-0101

  18. #18 Point Sur Advisors

    Based in Arroyo Grande, 20 mi away

    55/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 5 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 5 Google reviews
    Hours
    Mon 5 AM–5 PM · Tue–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    524 E Branch St, Arroyo Grande, CA 93420
    View profile for Point Sur Advisors(805) 574-1620

  20. #20 The James Financial Group

    Based in Arroyo Grande, 19 mi away

    55/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 4.2★ from 5 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 5 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 12 AM–12 AM · Sun closed
    Address
    1186 E Grand Ave, Arroyo Grande, CA 93420
    View profile for The James Financial Group(805) 473-6670

  23. #23 Optimum Wealth

    Based in Paso Robles, 23 mi away

    54/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 5.0★ from 4 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 4 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–3 PM · Sat–Sun closed
    Address
    935 Riverside Ave Ste 11, Paso Robles, CA 93446
    View profile for Optimum Wealth(805) 237-6460

How we ranked Los Osos financial planners

We scored 23 Los Osos 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 Los Osos 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 Los Osos: frequently asked questions

Which financial planner has the highest RFA Score in Los Osos?

By RFA Score, the highest-ranked financial planner in Los Osos, CA is Crew Wealth Management with an RFA Score of 66/100. It has 5.0★ from 28 Google reviews. Sound Financial & Insurance Solutions, Inc. (#2) and Ross | Carreiro | Brown CPAs, P.C. (#3) follow. We ranked 23 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Los Osos?

RankedFinancialAdvisors ranks 23 financial planners serving Los Osos, CA. Counts are as of November 2026.

Which financial planners in Los Osos work on weekends?

1 of 23 ranked financial planners post Saturday hours. The highest-ranked open Saturdays is The James Financial Group (#20). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Los Osos financial planners have?

The median Google rating among 23 rated financial planners in Los Osos is 5.0★, with a median of 11 reviews. Bank of America Financial Center has the most, 121 reviews, and ranks #12. 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 Los Osos count in this ranking?

Yes, if they are within 25 mi of the Los Osos 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 Los Osos 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 Los Osos 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 Los Osos

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

More financial planners and Los Osos pages