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Financial Planners in Opportunity, WA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Opportunity: Demars Financial Group, RFA Score 77/100; 4.9★ from 144 Google reviews.

  2. 3

    Most-reviewed: Paramount Tax & Accounting Coeur d'Alene, 204 Google reviews at 5.0★, the most of 89 ranked; ranked #3.

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

89 Opportunity financial planners are ranked here by RFA Score, from eight published factors. 7 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 4.9★ across 89 rated firms.

Top 10 financial planners in Opportunity 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 Opportunity at a glance
RankBusinessRFA ScoreGoogle ratingBased inNotable for
1Demars Financial Group774.9★ (144)Spokane Valley, 1 mi awayTop score
2David Walker - COUNTRY Financial Representative745.0★ (75)Spokane Valley, 6 mi away—
3Paramount Tax & Accounting Coeur d'Alene745.0★ (204)Coeur d'Alene, 21 mi awayMost reviews
4Fellowship Financial Planning745.0★ (76)Spokane, 8 mi away—
5HFG Trust735.0★ (37)Spokane Valley, 3 mi away—
6UpFront Financial Planning, LLC725.0★ (45)Spokane, 8 mi away—
7John Kapelac - COUNTRY Financial Representative724.9★ (43)Spokane, 8 mi away—
8Shaylee Fowler Insurance Agency - COUNTRY Financial725.0★ (71)Post Falls, 16 mi away—
9College Funding Systems, A Division of Grossman & Associates Financial Services724.8★ (41)Spokane, 6 mi away—
10Robinson Financial Services714.9★ (124)Coeur d'Alene, 22 mi away—

All 89 financial planners in Opportunity, 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 Opportunity

    #1 Demars Financial Group

    Based in Spokane Valley, 1 mi away

    77/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.9★ from 144 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 144 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    420 N Evergreen Rd Bldg B, Suite 300, Spokane Valley, WA 99216
    View profile for Demars Financial Group(509) 536-9556

  5. #5 HFG Trust

    Based in Spokane Valley, 3 mi away

    73/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 37 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 37 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    2818 N Sullivan Rd Ste 100-1064, Spokane Valley, WA 99216
    View profile for HFG Trust(509) 416-5520

  9. #9 College Funding Systems, A Division of Grossman & Associates Financial Services

    Based in Spokane, 6 mi away

    72/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.8★ from 41 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 41 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    2919 E Mission Ave Ste 202, Spokane, WA 99202
    View profile for College Funding Systems, A Division of Grossman & Associates Financial Services(509) 924-9123

  11. #11 Washington Trust Bank

    Based in Spokane Valley, 2 mi away

    71/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 4.7★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 27 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    310 N Argonne Rd, Spokane Valley, WA 99212
    View profile for Washington Trust Bank(509) 353-5680

  13. #13 Washington Trust Bank

    Based in Spokane Valley, 2 mi away

    70/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.3★ from 35 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 35 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    407 N Sullivan Rd, Veradale, WA 99037
    View profile for Washington Trust Bank(509) 353-4049

  16. #16 Altmeyer Financial Group

    Based in Spokane, 9 mi away

    70/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.8★ from 31 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 31 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–1 PM · Sat–Sun closed
    Address
    The Davenport Tower Hotel, 111 S Post St Ste 2240, Spokane, WA 99201
    View profile for Altmeyer Financial Group(509) 455-7888

  17. #17 Oakstreet Financial

    Based in Opportunity

    70/100RFA Score

    Ranked #17 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–Thu 9 AM–5 PM · Fri 9 AM–3 PM · Sat–Sun closed
    Address
    23403 E Mission Ave #220p, Liberty Lake, WA 99019
    View profile for Oakstreet Financial(509) 350-8072

  20. #20 Abraham & Co.

    Based in Spokane, 6 mi away

    69/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 4.9★ from 15 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 15 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    Orange Flag BLDG, 104 S Freya St Ste 215A, Spokane, WA 99202
    View profile for Abraham & Co.

  21. #21 Bankers Life

    Based in Spokane, 2 mi away

    69/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.0★ from 20 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 20 Google reviews
    Hours
    Mon–Fri 8 AM–4:30 PM · Sat–Sun closed
    Address
    1101 N Argonne Rd Ste 202, Spokane, WA 99212
    View profile for Bankers Life(509) 326-5217

  23. #23 BECU credit union

    Based in Spokane Valley, 2 mi away

    68/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 3.5★ from 51 Google reviews, listed on Google as “Financial planner”.

    • 3.5★ from 51 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
    615 N Sullivan Rd Ste D, Spokane Valley, WA 99037
    View profile for BECU credit union(800) 233-2328

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

financial planners in Opportunity, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Global Credit Union683.5★ (31)2 mi
27Ryan Moran - COUNTRY Financial Agent685.0★ (9)6 mi
28First Command Financial Advisor - Josh Germeaux675.0★ (11)9 mi
29Tim Kilroy - COUNTRY Financial Agent674.5★ (10)6 mi
30Riverview Wealth Strategies675.0★ (9)8 mi
31First Command Financial Advisor - Debra Miethe675.0★ (9)9 mi
32Fortitude Financial674.6★ (10)8 mi
33Taylor Caldwell - COUNTRY Financial Representative674.9★ (9)8 mi
34Washington Trust Bank674.1★ (15)9 mi
35Marc Flores - COUNTRY Financial Agent674.9★ (27)21 mi
36BECU Home Loan Center673.2★ (9)2 mi
37Fulcrum Financial Group674.6★ (9)8 mi
38Global Credit Union663.1★ (35)3 mi
39Core Financial Group664.0★ (4)1 mi
40First Command Financial Advisor - Charles Spencer665.0★ (6)9 mi
41Northwestern Mutual663.0★ (6)3 mi
42Washington Trust Bank663.5★ (14)9 mi
43Bormann Wealth Management, LLC655.0★ (8)13 mi
44Pacific Mortgage Center654.0★ (8)9 mi
45JMK & Associates654.3★ (6)8 mi
46Washington Trust Bank654.4★ (13)15 mi
47Fortis Financial Partners655.0★ (69)2 mi
48Adept Business Solutions / TaxCoach4You654.4★ (20)20 mi
49RBC Wealth Management Branch - Spokane655.0★ (4)9 mi
50Financial Forum, Inc.654.8★ (4)8 mi

Also serving Opportunity

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 Opportunity
BusinessGoogle ratingDistance
Arnold Financial Group5.0★ (2)8 mi
Biel Investment Management, Rick Biel, AAMS, AWMA, CRPC5.0★ (2)9 mi
Bryan Preuss - Thrivent5.0★ (2)10 mi
CLA (CliftonLarsonAllen)5.0★ (2)9 mi
Clearstone Wealth Management LLCIn Opportunity
Corey Ross5.0★ (2)2 mi
D.A. Davidson5.0★ (2)20 mi
Edward Jones - Financial Advisor: Curtis Spores, CFP®|ABFP®|AAMS®|CRPC™In Opportunity
Integrity Wealth Management - Brian Simpson, Craig Wessels5.0★ (2)8 mi
LORAN GRAHAM Co.5.0★ (2)9 mi
LPL Financial3.5★ (2)22 mi
Northwestern Mutual5.0★ (2)21 mi
Randall & Hurley Inc3.0★ (28)In Opportunity
Riverside Financial, Inc.5.0★ (2)13 mi
Starry Financial Group3.5★ (2)9 mi
Thrivent5.0★ (2)21 mi
Thrivent Financial5.0★ (2)8 mi
Thrivent: Pacific Northwest Consultants5.0★ (2)In Opportunity
TIAA Financial Services3.0★ (2)9 mi
White Pine Wealth5.0★ (2)22 mi

How we ranked Opportunity financial planners

We scored 89 Opportunity 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 Opportunity 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 Opportunity: frequently asked questions

Which financial planner has the highest RFA Score in Opportunity?

By RFA Score, the highest-ranked financial planner in Opportunity, WA is Demars Financial Group with an RFA Score of 77/100. It has 4.9★ from 144 Google reviews. David Walker - COUNTRY Financial Representative (#2) and Paramount Tax & Accounting Coeur d'Alene (#3) follow. We ranked 89 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Opportunity?

RankedFinancialAdvisors ranks 89 financial planners serving Opportunity, WA. 1 of them is based in Opportunity; 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 Opportunity work on weekends?

7 of 89 ranked financial planners post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays are Bank of America (with Drive-thru ATM) (#19) and BECU credit union (#23). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Opportunity financial planners have?

The median Google rating among 89 rated financial planners in Opportunity is 4.9★, with a median of 11 reviews. Paramount Tax & Accounting Coeur d'Alene has the most, 204 reviews, and ranks #3. 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 Opportunity count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 89 financial planners serving Opportunity.
  2. November 2026: 2 duplicate listings merged.

More financial planners and Opportunity pages