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Financial Planners in Royse City, TX: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Royse City: Western Finance, RFA Score 74/100; 5.0★ from 329 Google reviews; open Saturdays until 1 PM.

  2. 42

    Most-reviewed: Bank of America (with Drive-thru ATM), 232 Google reviews at 2.8★, the most of 105 ranked after Western Finance; ranked #42.

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

105 Royse City financial planners are ranked here by RFA Score, from eight published factors. 27 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 4.3★ across 105 rated firms.

Top 10 financial planners in Royse City 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 Royse City at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Western Finance745.0★ (329)Terrell, 17 mi awaySatTop score
2Heritage Premium675.0★ (33)Royse City——
3DHL Wealth Management675.0★ (85)Richardson, 22 mi away——
4EATON, QUENZER & ASSOCIATE, LLC674.9★ (93)Plano, 22 mi away——
5Blair Financial Advisors665.0★ (48)Wylie, 11 mi away——
6Dawson Private Wealth665.0★ (74)Allen, 21 mi away——
7Neighborhood Credit Union664.5★ (149)Richardson, 25 mi away——
8Inspire Financial Group654.9★ (63)Richardson, 19 mi away——
9North Texas Wealth Management655.0★ (58)Allen, 22 mi away——
10Kim D. Emery Bookkeeping645.0★ (59)McKinney, 23 mi away——

All 105 financial planners in Royse City, 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 Royse City

    #1 Western Finance

    Based in Terrell, 17 mi away

    74/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 329 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 329 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    357 S Virginia St, Terrell, TX 75160
    View profile for Western Finance(972) 524-4398

  2. #2 Heritage Premium

    Based in Royse City

    67/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 33 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 33 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    620 Tripp Tr, Royse City, TX 75189
    View profile for Heritage Premium(972) 772-2704

  3. #3 DHL Wealth Management

    Based in Richardson, 22 mi away

    67/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 5.0★ from 85 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 85 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    2435 N Central Expy Suite 775, Richardson, TX 75080
    View profile for DHL Wealth Management(800) 402-8862

  5. #5 Blair Financial Advisors

    Based in Wylie, 11 mi away

    66/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 48 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 48 Google reviews
    Hours
    Mon–Thu 8:30 AM–4 PM · Fri 8:30 AM–12 PM · Sat–Sun closed
    Address
    100 Lyndhurst Dr, Wylie, TX 75098
    View profile for Blair Financial Advisors(940) 484-9288

  8. #8 Inspire Financial Group

    Based in Richardson, 19 mi away

    65/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.9★ from 63 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 63 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    3513 Spectrum Blvd #200, Richardson, TX 75082
    View profile for Inspire Financial Group(972) 470-0595

  13. #13 OpenAir Advisers

    Based in Rockwall, 8 mi away

    63/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.8★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 25 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1131 W Yellow Jacket Ln, Rockwall, TX 75087
    View profile for OpenAir Advisers(214) 233-6059

  14. #14 America Debt Resolutions

    Based in Allen, 22 mi away

    63/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 5.0★ from 42 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 42 Google reviews
    Hours
    Mon–Thu 8:45 AM–6:30 PM · Fri 9 AM–5 PM · Sat 10 AM–4 PM · Sun closed
    Address
    450 Century Pkwy Ste 250-282, Allen, TX 75013
    View profile for America Debt Resolutions(877) 350-3328

  15. #15 Frost Bank

    Based in Rockwall, 10 mi away

    62/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.3★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 32 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–1 PM · Sun closed
    Address
    3092 Horizon Rd, Rockwall, TX 75032
    View profile for Frost Bank(800) 513-7678

  21. #21 Dirkse & Associates

    Based in Rockwall, 8 mi away

    60/100RFA Score

    Ranked #21 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
    301 N Goliad St, Rockwall, TX 75087
    View profile for Dirkse & Associates(972) 771-1040

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

financial planners in Royse City, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Smith Wealth Management - Smith Financial & Associates P.C.584.7★ (14)17 mi
27Planning by Design Financial584.8★ (18)22 mi
28Frost Bank583.9★ (35)22 mi
29American National Bank of Texas584.6★ (18)21 mi
30Texas Bank and Trust584.4★ (20)23 mi
31O'Neil Data Systems Inc584.2★ (18)20 mi
32WealthMetrix585.0★ (5)8 mi
33Bank of America Financial Center572.5★ (114)10 mi
34Libertas Financial Partners LLC575.0★ (73)16 mi
35American National Bank of Texas573.6★ (21)17 mi
36American National Bank of Texas573.5★ (24)17 mi
37Bank of America (with Drive-thru ATM)572.8★ (143)18 mi
38American National Bank of Texas573.4★ (19)16 mi
39T.R.I. Planning - Taxes, Retirement, Insurance575.0★ (8)16 mi
40Bank of America (with Drive-thru ATM)572.4★ (62)9 mi
41Krishna Wealth Planning575.0★ (13)23 mi
42Bank of America (with Drive-thru ATM)572.8★ (232)22 mi
43Frost Bank574.2★ (17)22 mi
44American National Bank of Texas573.2★ (22)16 mi
45Community Wealth Advisors565.0★ (5)12 mi
46Tannery Company - Tax, Accounting & Wealth Management564.4★ (13)22 mi
47American National Bank of Texas563.9★ (9)16 mi
48Abiding Wealth Partners565.0★ (9)22 mi
49American National Bank of Texas563.1★ (16)17 mi
50American National Bank of Texas563.8★ (16)22 mi

Also serving Royse City

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 Royse City
BusinessGoogle ratingDistance
ANBTX Wealth Management3.0★ (2)22 mi
AssetBuilder5.0★ (2)22 mi
Bancroft Booth Capital Advisors3.7★ (3)In Royse City
Checki Financial5.0★ (2)23 mi
Cole Wealth Management5.0★ (2)23 mi
CraDean Financial Resources5.0★ (2)17 mi
Diane Stegall-Modern Woodmen of America5.0★ (3)In Royse City
Edward Jones - Financial Advisor: Aleah D PowellIn Royse City
Edward Jones - Financial Advisor: Jeremy Hipo5.0★ (2)In Royse City
Epstein & Kolacz Wealth Management5.0★ (2)10 mi
First Premier Financial1.0★ (2)20 mi
Kean Financial Services IncIn Royse City
LD Lowe Wealth Advisory1.0★ (2)22 mi
National Network of Financial Education5.0★ (2)22 mi
Northwestern Mutual - Rockwall3.0★ (2)10 mi
Rick Accounting Firm LLC5.0★ (2)24 mi
Sameer Bham - Thrivent5.0★ (2)22 mi
Slayton Wealth Management5.0★ (2)10 mi
Watters Creek Wealth Management - Ameriprise Financial Services, LLC4.5★ (2)22 mi
WDW Financial5.0★ (2)22 mi

How we ranked Royse City financial planners

We scored 105 Royse City 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 Royse City 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 Royse City: frequently asked questions

Which financial planner has the highest RFA Score in Royse City?

By RFA Score, the highest-ranked financial planner in Royse City, TX is Western Finance with an RFA Score of 74/100. It has 5.0★ from 329 Google reviews. It is open Saturdays until 1 PM. Heritage Premium (#2) and DHL Wealth Management (#3) follow. We ranked 105 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Royse City?

RankedFinancialAdvisors ranks 105 financial planners serving Royse City, TX. 2 of them are based in Royse City; 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 Royse City work on weekends?

27 of 105 ranked financial planners post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Western Finance (#1), America Debt Resolutions (#14) and Frost Bank (#15). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Royse City financial planners have?

The median Google rating among 105 rated financial planners in Royse City is 4.3★, with a median of 18 reviews. Western Finance 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 Royse City count in this ranking?

Yes, if they are within 25 mi of the Royse City 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 Royse City 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 Royse City 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 Royse City

  1. November 2026: RFA Scores recalculated for 105 financial planners serving Royse City.

More financial planners and Royse City pages