74/100RFA Score
Ranked #1 because of its Google rating and specialty focus: 5.0★ from 129 Google reviews, listed on Google as “Financial planner”.
Financial Planners in North Saanich, BC: 2026 rankings
59 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest RFA Score in North Saanich: Cody Rowe - Mortgage Broker, RFA Score 74/100; 5.0★ from 129 Google reviews; open 7 days a week.
- 2
Most-reviewed: 4 Pillars, 97 Google reviews at 4.9★, the most of 59 ranked after Cody Rowe - Mortgage Broker; ranked #2.
Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank
59 North Saanich financial planners are ranked here by RFA Score, from eight published factors. 13 open Saturdays and 3 open Sundays, based on posted hours. The median Google rating is 4.9★ across 59 rated firms.
Top 10 financial planners in North Saanich 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.
| Rank | Business | RFA Score | Google rating | Based in | Hours | Notable for |
|---|---|---|---|---|---|---|
| 1 | Cody Rowe - Mortgage Broker | 74 | 5.0★ (129) | Victoria, 24 km away | Sat · Sun · Evenings | Top score |
| 2 | 4 Pillars | 72 | 4.9★ (97) | Victoria, 23 km away | — | Most reviews |
| 3 | IPC Securities Corporation - Midori Hillis, CFP | 69 | 5.0★ (48) | Victoria, 23 km away | — | — |
| 4 | Hutcheson & Co | 69 | 4.9★ (58) | Victoria, 27 km away | — | — |
| 5 | Brad Wigard Financial Solutions | 69 | 5.0★ (48) | Langford, 25 km away | — | — |
| 6 | Mohammad Darwish, CFP® | 68 | 5.0★ (36) | Duncan, 24 km away | Sat | — |
| 7 | BMO Bank of Montreal | 67 | 3.6★ (35) | North Saanich | Sat | — |
| 8 | GenEdge Financial | Assante Financial Management Ltd. | 66 | 4.8★ (26) | Duncan, 24 km away | — | — |
| 9 | Harris Group Private Wealth Management - Westshore - Jesse Harris - Senior Wealth Advisor | 65 | 5.0★ (23) | Victoria, 25 km away | — | — |
| 10 | Heart Wealth Management Group of Raymond James Ltd. | 65 | 5.0★ (25) | Victoria, 27 km away | — | — |
All 59 financial planners in North Saanich, 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 4 Pillars
Based in Victoria, 23 km away
72/100RFA ScoreRanked #2 because of its Google rating and specialty focus: 4.9★ from 97 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 23 km away
69/100RFA ScoreRanked #3 because of its Google rating and specialty focus: 5.0★ from 48 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 27 km away
69/100RFA ScoreRanked #4 because of its Google rating and specialty focus: 4.9★ from 58 Google reviews, listed on Google as “Financial planner”.
Based in Langford, 25 km away
69/100RFA ScoreRanked #5 because of its Google rating and specialty focus: 5.0★ from 48 Google reviews, listed on Google as “Financial planner”.
Based in Duncan, 24 km away
68/100RFA ScoreRanked #6 because of its Google rating and specialty focus: 5.0★ from 36 Google reviews, listed on Google as “Financial planner”.
Based in North Saanich
67/100RFA ScoreRanked #7 because of its Google rating and specialty focus: 3.6★ from 35 Google reviews, listed on Google as “Financial planner”.
Based in Duncan, 24 km away
66/100RFA ScoreRanked #8 because of its Google rating and specialty focus: 4.8★ from 26 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 25 km away
65/100RFA ScoreRanked #9 because of its Google rating and specialty focus: 5.0★ from 23 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 27 km away
65/100RFA ScoreRanked #10 because of its Google rating and specialty focus: 5.0★ from 25 Google reviews, listed on Google as “Financial planner”.
#11 Scotiabank
Based in North Saanich
64/100RFA ScoreRanked #11 because of its Google rating and specialty focus: 2.9★ from 31 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 24 km away
63/100RFA ScoreRanked #12 because of its Google rating and specialty focus: 5.0★ from 14 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 24 km away
63/100RFA ScoreRanked #13 because of its Google rating and specialty focus: 4.0★ from 23 Google reviews, listed on Google as “Financial planner”.
#14 Dixon Davis
Based in Victoria, 24 km away
63/100RFA ScoreRanked #14 because of its Google rating and specialty focus: 5.0★ from 13 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 25 km away
63/100RFA ScoreRanked #15 because of its Google rating and specialty focus: 5.0★ from 13 Google reviews, listed on Google as “Financial planner”.
#16 Legacy Group The
Based in Victoria, 23 km away
63/100RFA ScoreRanked #16 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 24 km away
62/100RFA ScoreRanked #17 because of its Google rating and specialty focus: 5.0★ from 11 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 26 km away
62/100RFA ScoreRanked #18 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.
Based in Oak Bay, 20 km away
62/100RFA ScoreRanked #19 because of its Google rating and specialty focus: 4.7★ from 10 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 27 km away
62/100RFA ScoreRanked #20 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 25 km away
62/100RFA ScoreRanked #21 because of its Google rating and specialty focus: 5.0★ from 10 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 25 km away
62/100RFA ScoreRanked #22 because of its Google rating and specialty focus: 5.0★ from 10 Google reviews, listed on Google as “Financial planner”.
Based in Victoria, 25 km away
62/100RFA ScoreRanked #23 because of its Google rating and specialty focus: 3.1★ from 64 Google reviews, listed on Google as “Financial planner”.
#24 Girard Wealth
Based in Victoria, 24 km away
62/100RFA ScoreRanked #24 because of its Google rating and specialty focus: 4.4★ from 11 Google reviews, listed on Google as “Financial planner”.
#25 Vancity
Based in Victoria, 27 km away
61/100RFA ScoreRanked #25 because of its Google rating and specialty focus: 3.5★ from 24 Google reviews, listed on Google as “Financial planner”.
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 59 ranked financial planners here; the rest are on their profiles.
| Rank | Business | RFA Score | Google rating | Distance |
|---|---|---|---|---|
| 26 | BMO Bank of Montreal | 61 | 3.1★ (36) | 24 km |
| 27 | World Financial Group | 61 | 4.3★ (11) | 27 km |
| 28 | Scotiabank | 61 | 3.0★ (53) | 26 km |
| 29 | Scotiabank | 61 | 2.9★ (82) | 26 km |
| 30 | Co-operators | 61 | 3.5★ (15) | 26 km |
| 31 | Prosperity Planning | 61 | 4.6★ (8) | 25 km |
| 32 | Vancity | 60 | 3.0★ (30) | 26 km |
| 33 | Scotiabank | 60 | 3.8★ (12) | 29 km |
| 34 | RedwoodFP - Fee Only Financial Planning | 60 | 5.0★ (4) | 20 km |
| 35 | Scotiabank | 60 | 2.8★ (38) | 28 km |
| 36 | BMO Bank of Montreal | 60 | 3.1★ (8) | 22 km |
| 37 | The Bank of Nova Scotia | 59 | 2.8★ (11) | 23 km |
| 38 | SALTSPRING INSURANCE SERVICES | 59 | 4.0★ (4) | 22 km |
| 39 | iA Private Wealth | 59 | 3.7★ (6) | 27 km |
| 40 | Scotiabank | 59 | 2.5★ (89) | 27 km |
| 41 | BMO Bank of Montreal | 58 | 2.5★ (15) | 28 km |
| 42 | BMO Bank of Montreal | 58 | 2.4★ (96) | 27 km |
| 43 | Hatch & Muir | 58 | 4.0★ (4) | 27 km |
| 44 | Mc Lean Financial Management | 58 | 5.0★ (3) | 27 km |
| 45 | Everything Financial Group | 58 | 5.0★ (3) | 27 km |
| 46 | Financière SISIP Financial | 58 | 3.3★ (4) | 26 km |
| 47 | TPC Financial Group Ltd | 58 | 5.0★ (3) | 27 km |
| 48 | Thorne Financial Planning Inc. | 57 | 5.0★ (3) | 33 km |
| 49 | Scotiabank | 57 | 2.0★ (80) | 24 km |
| 50 | Wealth In Place Inc. | 56 | 4.9★ (31) | 24 km |
Also serving North Saanich
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.
How we ranked North Saanich financial planners
We scored 59 North Saanich 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.
| Factor | Weight | Computed from | In North Saanich data |
|---|---|---|---|
| Reputation | 30% | Google star rating, adjusted for how many reviews back it (client experience, not investment results) | Measured |
| Registration | 20% | Active SEC, state or Canadian securities registration matched in public records (not yet measured) | Not yet collected |
| Review volume | 10% | Number of Google reviews, compared with the most-reviewed firm on the list | Measured |
| Recency | 5% | Share of reviews from the last 12 months | Not yet collected |
| Specialty focus | 15% | How clearly the firm offers this specialty (its Google category and name) | Measured |
| Proximity | 5% | Based in the city scores highest, less the farther away it is | Measured |
| Claimed profile | 10% | The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same) | Measured |
| Partnered | 5% | The firm links to Ranked Financial Advisors from its own website with our badge, checked periodically | Measured |
How to choose a financial planner
- 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.
- Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
- 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.
- Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
- Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
- Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
- 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 North Saanich: frequently asked questions
Which financial planner has the highest RFA Score in North Saanich?
By RFA Score, the highest-ranked financial planner in North Saanich, BC is Cody Rowe - Mortgage Broker with an RFA Score of 74/100. It has 5.0★ from 129 Google reviews. It is open 7 days a week. 4 Pillars (#2) and IPC Securities Corporation - Midori Hillis, CFP (#3) follow. We ranked 59 financial planners on eight factors, last updated November 9, 2026.
How many financial planners are there in North Saanich?
RankedFinancialAdvisors ranks 59 financial planners serving North Saanich, BC. 2 of them are based in North Saanich; 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 North Saanich work on weekends?
13 of 59 ranked financial planners post Saturday hours and 3 post Sunday hours. The highest-ranked open Saturdays are Cody Rowe - Mortgage Broker (#1), Mohammad Darwish, CFP® (#6) and BMO Bank of Montreal (#7). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.
What Google rating do North Saanich financial planners have?
The median Google rating among 59 rated financial planners in North Saanich is 4.9★, with a median of 12 reviews. Cody Rowe - Mortgage Broker has the most, 129 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 North Saanich count in this ranking?
Yes, if they are within 40 km of the North Saanich 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 North Saanich 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 North Saanich?
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 North Saanich
- November 2026: RFA Scores recalculated for 59 financial planners serving North Saanich.
More financial planners and North Saanich pages
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