Skip to content

Financial Planners in Otsego, MN: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Otsego: Strategic Financial Group, RFA Score 80/100; 5.0★ from 329 Google reviews.

  2. 30

    Most-reviewed: The Servion Group, 222 Google reviews at 3.9★, the most of 122 ranked after Strategic Financial Group; ranked #30.

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

122 Otsego financial planners are ranked here by RFA Score, from eight published factors. 12 open Saturdays, based on posted hours. The median Google rating is 5.0★ across 122 rated firms.

Top 10 financial planners in Otsego 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 Otsego at a glance
RankBusinessRFA ScoreGoogle ratingBased inNotable for
1Strategic Financial Group805.0★ (329)OtsegoTop score
2Van Winkle & Co. CPA Advisors (Formerly Jenson & Co.)725.0★ (105)Maple Grove, 15 mi away—
3Tonya Sample - New American Funding725.0★ (95)Maple Grove, 14 mi away—
4360 Financial - Elk River725.0★ (36)Elk River, 3 mi away—
5Dorval & Chorne Financial725.0★ (89)Maple Grove, 14 mi away—
6The Bank of Elk River - Otsego Office724.8★ (34)Otsego—
7The Bank of Elk River - Main Street Office714.3★ (68)Elk River, 2 mi away—
8The Bank of Elk River - School Street Office714.8★ (31)Elk River, 3 mi away—
9American Senior Benefits704.8★ (64)Maple Grove, 15 mi away—
10Medicare Advisors695.0★ (69)Blaine, 22 mi away—

All 122 financial planners in Otsego, 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.

  4. #4 360 Financial - Elk River

    Based in Elk River, 3 mi away

    72/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 5.0★ from 36 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 36 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–3 PM · Sat–Sun closed
    Address
    510 Freeport Ave NW Suite A, Elk River, MN 55330
    View profile for 360 Financial - Elk River(763) 241-0841

  10. #10 Medicare Advisors

    Based in Blaine, 22 mi away

    69/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 5.0★ from 69 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 69 Google reviews
    Hours
    Mon–Thu 9 AM–6 PM · Fri 9 AM–3 PM · Sat–Sun closed
    Address
    4325 Pheasant Ridge Dr NE Suite 610, Blaine, MN 55449
    View profile for Medicare Advisors(612) 470-0150

  11. #11 All Things Annuity

    Based in Plymouth, 19 mi away

    69/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 4.8★ from 62 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 62 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    3350 Annapolis Ln N Ste C, Plymouth, MN 55447
    View profile for All Things Annuity(800) 501-1984

  17. #17 Cerity Partners

    Based in Plymouth, 19 mi away

    66/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 5.0★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 25 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    3033 Campus Dr n145, Plymouth, MN 55441
    View profile for Cerity Partners(763) 432-7875

  19. #19 Fiat Wealth Management

    Based in Minnetonka Mills, 22 mi away

    66/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 5.0★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 27 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    1905 Wayzata Blvd E Ste 320, Wayzata, MN 55391
    View profile for Fiat Wealth Management(952) 426-9116

  21. #21 Josh Otto

    Based in Saint Michael, 6 mi away

    66/100RFA Score

    Ranked #21 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 9 AM–6 PM · Fri 9 AM–3 PM · Sat–Sun closed
    Address
    403 Central Ave E, St Michael, MN 55376
    View profile for Josh Otto(952) 594-9133

  23. #23 Associated Bank - 80323

    Based in Maple Grove, 12 mi away

    66/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 4.1★ from 18 Google reviews, listed on Google as “Financial planner”.

    • 4.1★ from 18 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    9325 Upland Ln N #100, Maple Grove, MN 55369
    View profile for Associated Bank - 80323(763) 420-2092

  24. #24 ClearPath Wealth Advisors

    Based in Minnetonka, 22 mi away

    65/100RFA 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–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    130 Cheshire Ln Ste. 130, Minnetonka, MN 55305
    View profile for ClearPath Wealth Advisors(952) 406-8011

  25. #25 BMO Bank N.A Branches

    Based in Rogers, 5 mi away

    65/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 3.2★ from 18 Google reviews, listed on Google as “Financial planner”.

    • 3.2★ from 18 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    13798 Rogers Dr, Rogers, MN 55374
    View profile for BMO Bank N.A Branches(763) 428-7400

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

financial planners in Otsego, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Bank of America (with Drive-thru ATM)654.8★ (18)18 mi
27BMO Bank N.A Branches653.8★ (24)12 mi
28M2 Financial Group655.0★ (9)14 mi
29UnderDog Wealth Management, LLC655.0★ (9)14 mi
30The Servion Group653.9★ (222)24 mi
31Nick Simon - COUNTRY Financial Representative655.0★ (9)15 mi
32BMO Bank N.A Branches653.4★ (19)10 mi
33Drost Financial645.0★ (10)17 mi
34Flames Financial Planning645.0★ (18)24 mi
35Mike Gagnon - Financial Advisor, Ameriprise Financial Services, LLC645.0★ (4)10 mi
36Zigler & Associates645.0★ (7)15 mi
37Associated Bank643.9★ (35)19 mi
38Nick Christoff, CDFA®, ChFC® - Thrivent Financial Advisor645.0★ (7)15 mi
39Pine Grove Financial Group645.0★ (14)22 mi
40Manifest645.0★ (6)14 mi
41Guardian Resources - Minneapolis Financial Advisor and Wealth Management644.8★ (17)22 mi
42Bank of America (with Drive-thru ATM)643.4★ (19)13 mi
43Falcon National Bank643.4★ (11)11 mi
44Income Planning Group644.7★ (10)18 mi
45Salt Financial645.0★ (12)21 mi
46Trott Brook Financial644.0★ (4)10 mi
47Carson Wealth645.0★ (6)15 mi
48Thrivent Financial New Hope Group634.6★ (9)18 mi
49SplitRock Financial Group635.0★ (5)14 mi
50BMO Bank N.A Branches633.4★ (26)15 mi

Also serving Otsego

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 Otsego
BusinessGoogle ratingDistance
BGH Valuation Services5.0★ (25)In Otsego
Charlene Zielin - ThriventIn Otsego
Edward Jones - Financial Advisor: Cole R Dahl, CFP®|CRPC™5.0★ (3)In Otsego
Edward Jones - Financial Advisor: Jeff Raiche5.0★ (6)In Otsego
Edward Jones - Financial Advisor: Julie Parks, CFP®|CRPC™In Otsego
Edward Jones - Financial Advisor: Lisa J Middagh5.0★ (3)In Otsego
Edward Jones - Financial Advisor: Ryan Wipf4.0★ (4)In Otsego
Edward Jones - Financial Advisor: Tom MiddaghIn Otsego
Edward Jones - Financial Advisor: Tove C Lichty, CFP®|ABFP®In Otsego
Fitch & Strong GroupIn Otsego
Highway Financial NetworksIn Otsego
Isaac Moin - ThriventIn Otsego
Josh Beck - ThriventIn Otsego
Joshua Beck - Thrivent Financial5.0★ (1)In Otsego
Justin Bettinger - ThriventIn Otsego
PMA Financial NetworkIn Otsego
Safe Harbor Financial Solutions4.4★ (7)In Otsego
SRM5.0★ (7)In Otsego
Tim Gamrath - Thrivent5.0★ (1)In Otsego
Zachery Bancroft - ThriventIn Otsego

How we ranked Otsego financial planners

We scored 122 Otsego 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 Otsego 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 Otsego: frequently asked questions

Which financial planner has the highest RFA Score in Otsego?

By RFA Score, the highest-ranked financial planner in Otsego, MN is Strategic Financial Group with an RFA Score of 80/100. It has 5.0★ from 329 Google reviews. Van Winkle & Co. CPA Advisors (Formerly Jenson & Co.) (#2) and Tonya Sample - New American Funding (#3) follow. We ranked 122 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Otsego?

RankedFinancialAdvisors ranks 122 financial planners serving Otsego, MN. 3 of them are based in Otsego; 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 Otsego work on weekends?

12 of 122 ranked financial planners post Saturday hours. The highest-ranked open Saturdays is BMO Bank N.A Branches (#25). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Otsego financial planners have?

The median Google rating among 122 rated financial planners in Otsego is 5.0★, with a median of 8 reviews. Strategic Financial Group has the most, 329 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 Otsego count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 122 financial planners serving Otsego.
  2. November 2026: 1 duplicate listing merged.

More financial planners and Otsego pages