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Financial Planners in Reading, MA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Reading: Terranova & Associates CPA, LLC, RFA Score 75/100; 4.9★ from 282 Google reviews.

  2. 2

    Most-reviewed: Bank of America Financial Center, 483 Google reviews at 4.3★, the most of 358 ranked; ranked #2.

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

358 Reading financial planners are ranked here by RFA Score, from eight published factors. 102 open Saturdays and 10 open Sundays, based on posted hours. The median Google rating is 4.5★ across 358 rated firms.

Top 10 financial planners in Reading 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 Reading at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Terranova & Associates CPA, LLC754.9★ (282)Danvers, 7 mi away—Top score
2Bank of America Financial Center724.3★ (483)Everett, 9 mi awaySatMost reviews
3Total Financial Freedom LLC715.0★ (112)Winthrop, 12 mi awayEvenings—
4Balance Wealth Advisors715.0★ (143)Wellesley, 16 mi away——
5McAdam Financial714.9★ (120)Boston, 12 mi away——
6Spano Dawicki & Witt714.9★ (72)Saugus, 5 mi away——
7SHP Financial705.0★ (50)Woburn, 4 mi away——
8Sentinel Group694.1★ (113)Wakefield, 1 mi awayEvenings—
9NJB Accounting Solutions, LLC695.0★ (96)Salem, 18 mi awaySat · Sun—
10Alpha Taxes694.8★ (66)Medford, 8 mi away——

All 358 financial planners in Reading, 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.

  5. #5 McAdam Financial

    Based in Boston, 12 mi away

    71/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.9★ from 120 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 120 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    101 Federal St Suite 1900, Boston, MA 02110
    View profile for McAdam Financial(857) 263-7759

  6. #6 Spano Dawicki & Witt

    Based in Saugus, 5 mi away

    71/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.9★ from 72 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 72 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    605 Broadway 2nd Floor, Saugus, MA 01906
    View profile for Spano Dawicki & Witt(781) 231-7800

  7. #7 SHP Financial

    Based in Woburn, 4 mi away

    70/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 5.0★ from 50 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 50 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    400 Tradecenter Dr Ste 7810, Woburn, MA 01801
    View profile for SHP Financial(508) 746-2400

  8. #8 Sentinel Group

    Based in Wakefield, 1 mi away

    69/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.1★ from 113 Google reviews, listed on Google as “Financial planner”.

    • 4.1★ from 113 Google reviews
    Hours
    Mon–Fri 8 AM–7 PM · Sat–Sun closed
    Address
    100 Quannapowitt Pkwy, Wakefield, MA 01880
    View profile for Sentinel Group(888) 762-6088

  10. #10 Alpha Taxes

    Based in Medford, 8 mi away

    69/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 4.8★ from 66 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 66 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat–Sun closed
    Address
    394 Main St, Medford, MA 02155
    View profile for Alpha Taxes(781) 393-0101

  19. #19 OpenRoad Wealth Advisors

    Based in Dracut, 9 mi away

    67/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 5.0★ from 35 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 35 Google reviews
    Hours
    Mon–Thu 8:30 AM–5 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    23 Main St Suite 2A, Andover, MA 01810
    View profile for OpenRoad Wealth Advisors(978) 475-5500

  20. #20 Turner & Costa, P.C.

    Based in Westford, 17 mi away

    67/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 4.8★ from 73 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 73 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri–Sun closed
    Address
    190 Littleton Rd, Westford, MA 01886
    View profile for Turner & Costa, P.C.(978) 692-3291

  23. #23 Salem Five Bank

    Based in Tewksbury, 7 mi away

    67/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 4.6★ from 39 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 39 Google reviews
    Hours
    Mon–Tue 8:30 AM–5 PM · Wed closed · Thu–Fri 8:30 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    2171 Main St, Tewksbury, MA 01876
    View profile for Salem Five Bank(978) 658-7270

  25. #25 Salem Five Bank

    Based in Stoneham, 3 mi away

    66/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 4.6★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 25 Google reviews
    Hours
    Mon–Tue 8:30 AM–5 PM · Wed closed · Thu 8:30 AM–6 PM · Fri 8:30 AM–5 PM · Sat 8:30 AM–1 PM · Sun closed
    Address
    359 Main St, Stoneham, MA 02180
    View profile for Salem Five Bank(781) 438-9400

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

financial planners in Reading, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Bank of America Financial Center664.0★ (146)12 mi
27Acacia Insurance, Inc.664.8★ (38)12 mi
28Beyond Your Hammock664.9★ (33)12 mi
29TNG Private Wealth - Ameriprise Financial Services, LLC665.0★ (19)5 mi
30Imperia Wealth Management665.0★ (55)21 mi
31Generations Retirement Group665.0★ (52)21 mi
32Beacon Pointe Advisors665.0★ (31)14 mi
33Savant Wealth Management655.0★ (47)21 mi
34Salem Five Bank654.9★ (21)8 mi
35First Command Financial Advisor - Kristina Patt655.0★ (17)6 mi
36Salem Five Bank654.3★ (43)10 mi
37Apex Wealth655.0★ (22)10 mi
38Oliver Capital Management655.0★ (31)16 mi
39Boston Retirement Group655.0★ (29)14 mi
40Salem Five Bank654.7★ (28)11 mi
41Law Offices of Adam J. Tobin654.8★ (23)9 mi
42Claro Advisors655.0★ (24)12 mi
43Salem Five Bank654.2★ (15)In Reading
44Coromandel Wealth Strategies654.9★ (20)9 mi
45Salem Five Bank654.5★ (15)2 mi
46Salem Five Bank654.3★ (23)5 mi
47Salem Five Bank654.1★ (38)8 mi
48Beacon Pointe Advisors654.8★ (26)12 mi
49Edelman Financial Engines654.8★ (16)6 mi
50Salem Five Bank654.3★ (42)12 mi

Also serving Reading

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 Reading
BusinessGoogle ratingDistance
Bickling Financial Services5.0★ (2)9 mi
Charted WealthIn Reading
Connor Demore - Nohelty Asset Management5.0★ (2)11 mi
Curious Crow Financial Planning5.0★ (2)3 mi
Fiduciary Trust Company5.0★ (2)12 mi
Finer Financial & Tax, Inc. - Tax Preparation and Tax Planning5.0★ (2)10 mi
Hayden Wealth Management5.0★ (2)6 mi
Hightower Signature Wealth Financial Advisors - Lexington5.0★ (2)9 mi
Launch Financial Planning5.0★ (2)9 mi
Lin FinancialIn Reading
Lumen Wealth ManagementIn Reading
Mack Financial ConsultingIn Reading
Merrill Lynch Wealth Management1.0★ (2)9 mi
Northwestern Mutual Life Insurance: Baron Jeffrey2.0★ (2)12 mi
Personal Financial Management5.0★ (2)3 mi
Premium Financial Services5.0★ (2)10 mi
R B Needham Advisory Corporation5.0★ (2)9 mi
Sentinel Securities IncIn Reading
tony marken5.0★ (2)12 mi
Trillium Asset Management5.0★ (2)11 mi

How we ranked Reading financial planners

We scored 358 Reading 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 Reading 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 Reading: frequently asked questions

Which financial planner has the highest RFA Score in Reading?

By RFA Score, the highest-ranked financial planner in Reading, MA is Terranova & Associates CPA, LLC with an RFA Score of 75/100. It has 4.9★ from 282 Google reviews. Bank of America Financial Center (#2) and Total Financial Freedom LLC (#3) follow. We ranked 358 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Reading?

RankedFinancialAdvisors ranks 358 financial planners serving Reading, MA. 1 of them is based in Reading; 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 Reading work on weekends?

102 of 358 ranked financial planners post Saturday hours and 10 post Sunday hours. The highest-ranked open Saturdays are Bank of America Financial Center (#2), NJB Accounting Solutions, LLC (#9) and Bank of America (with Drive-thru ATM) (#12). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Reading financial planners have?

The median Google rating among 358 rated financial planners in Reading is 4.5★, with a median of 15 reviews. Bank of America Financial Center has the most, 483 reviews, and ranks #2. 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 Reading count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 358 financial planners serving Reading.
  2. November 2026: 4 duplicate listings merged.

More financial planners and Reading pages