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Financial Planners in Niceville, FL: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Niceville: First Command Financial Advisor - Cecil Redmon, RFA Score 70/100; 5.0★ from 39 Google reviews.

  2. 19

    Most-reviewed: Bank of America (with Drive-thru ATM), 135 Google reviews at 2.6★, the most of 25 ranked; ranked #19.

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

25 Niceville financial planners are ranked here by RFA Score, from eight published factors. 3 open Saturdays, based on posted hours. The median Google rating is 5.0★ across 25 rated firms.

Top 10 financial planners in Niceville 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 Niceville at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1First Command Financial Advisor - Cecil Redmon705.0★ (39)Fort Walton Beach, 8 mi away—Top score
2First Command Financial Advisor - Jeff Noe685.0★ (25)Fort Walton Beach, 8 mi away——
3AGM Secure Money674.6★ (27)Destin, 9 mi away——
4Future Path Financial Planning665.0★ (10)NicevilleSat—
5FamilyVest at Farther — Todd Sensing, CFP, CFA665.0★ (19)Destin, 9 mi away——
6First Command Financial Advisor - Dionna Cole665.0★ (17)Fort Walton Beach, 8 mi away——
7First Command Financial Advisor - Marissa Cross655.0★ (14)Fort Walton Beach, 8 mi away——
8United Community654.7★ (17)Destin, 10 mi away——
9Federal Financial Solutions655.0★ (24)Crestview, 18 mi awaySat · Evenings—
10Bank of America (with Drive-thru ATM)653.3★ (87)Destin, 9 mi away——

All 25 financial planners in Niceville, 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 AGM Secure Money

    Based in Destin, 9 mi away

    67/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.6★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 27 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–1 PM · Sat–Sun closed
    Address
    3999 Commons Dr W Suite O, Destin, FL 32541
    View profile for AGM Secure Money(850) 966-9250

  8. #8 United Community

    Based in Destin, 10 mi away

    65/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.7★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 17 Google reviews
    Hours
    Mon–Tue 8:30 AM–5 PM · Wed closed · Thu–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    35008 Emerald Coast Pkwy, Destin, FL 32541
    View profile for United Community(850) 837-1380

  11. #11 Cornerstone Financial, LLC

    Based in Fort Walton Beach, 8 mi away

    65/100RFA Score

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

    • 5.0★ from 11 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    2018 Lewis Turner Blvd # A, Fort Walton Beach, FL 32547
    View profile for Cornerstone Financial, LLC(850) 862-8082

  13. #13 First Command

    Based in Fort Walton Beach, 8 mi away

    64/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.6★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 11 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    1120 FL-85, Shalimar, FL 32579
    View profile for First Command(850) 613-6990

  14. #14 Farne Financial

    Based in Destin, 9 mi away

    64/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.5★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 11 Google reviews
    Address
    3997 Commons Dr W Ste O, Destin, FL 32541
    View profile for Farne Financial(850) 424-3135

  15. #15 Integrity Financial Group

    Based in Destin, 9 mi away

    64/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 5.0★ from 9 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 9 Google reviews
    Hours
    Mon–Thu 9 AM–4:30 PM · Fri 9 AM–12 PM · Sat–Sun closed
    Address
    1234 Airport Rd Ste 216, Destin, FL 32541
    View profile for Integrity Financial Group(850) 837-8888

  20. #20 Stein Financial

    Based in Destin, 10 mi away

    61/100RFA Score

    Ranked #20 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–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    151 Regions Way #6b, Destin, FL 32541
    View profile for Stein Financial(850) 737-4752

  21. #21 BayView Private Wealth

    Based in Destin, 9 mi away

    60/100RFA Score

    Ranked #21 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 8 AM–5 PM · Sat–Sun closed
    Address
    1234 Airport Rd STE 121, Destin, FL 32541
    View profile for BayView Private Wealth(850) 990-0618

  23. #23 Benjamin F. Edwards

    Based in Destin, 10 mi away

    60/100RFA 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–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    36468 Emerald Coast Pkwy #5101, Destin, FL 32541
    View profile for Benjamin F. Edwards(850) 837-2451

  24. #24 Mariner

    Based in Destin, 11 mi away

    60/100RFA Score

    Ranked #24 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 8 AM–5 PM · Sat–Sun closed
    Address
    13330 Emerald Coast Pkwy W, Miramar Beach, FL 32550
    View profile for Mariner(850) 608-6121

Also serving Niceville

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 Niceville
BusinessGoogle ratingDistance
Chris Nix: Primerica - Financial ServicesIn Niceville
Craig Martin - ThriventIn Niceville
David Dowden - Financial Advisor, Ameriprise Financial Services, LLCIn Niceville
Edward Jones - Financial Advisor: Carl J Mignacca, AAMS®In Niceville
Edward Jones - Financial Advisor: Dave Allen5.0★ (1)In Niceville
Edward Jones - Financial Advisor: Keith LammIn Niceville
Financial institutionIn Niceville
Financial institutionIn Niceville
First Command1.0★ (1)In Niceville
First Command Financial Advisor - Fred SemaskoIn Niceville
Fortress Financial & Wealth Management, LLC5.0★ (21)In Niceville
Frank David Firestone: Primerica - Financial Services5.0★ (3)In Niceville
McGregor Financial Group5.0★ (9)In Niceville
Merrill Lynch Wealth Management5.0★ (2)10 mi
Synovus Financial CorporationIn Niceville
The Tallman Group, LLC5.0★ (1)In Niceville
Thrivent Financial-LutheransIn Niceville
Wealth Management FinancialIn Niceville
Wilson Insurance & Financial5.0★ (1)In Niceville
Zachary Seabolt - Financial Advisor, Ameriprise Financial Services, LLCIn Niceville

How we ranked Niceville financial planners

We scored 25 Niceville 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 Niceville 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 Niceville: frequently asked questions

Which financial planner has the highest RFA Score in Niceville?

By RFA Score, the highest-ranked financial planner in Niceville, FL is First Command Financial Advisor - Cecil Redmon with an RFA Score of 70/100. It has 5.0★ from 39 Google reviews. First Command Financial Advisor - Jeff Noe (#2) and AGM Secure Money (#3) follow. We ranked 25 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Niceville?

RankedFinancialAdvisors ranks 25 financial planners serving Niceville, FL. 2 of them are based in Niceville; 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 Niceville work on weekends?

3 of 25 ranked financial planners post Saturday hours. The highest-ranked open Saturdays are Future Path Financial Planning (#4), Federal Financial Solutions (#9) and Bank of America (with Drive-thru ATM) (#19). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Niceville financial planners have?

The median Google rating among 25 rated financial planners in Niceville is 5.0★, with a median of 11 reviews. Bank of America (with Drive-thru ATM) has the most, 135 reviews, and ranks #19. 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 Niceville count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 25 financial planners serving Niceville.

More financial planners and Niceville pages