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Financial Planners in Safety Harbor, FL: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Safety Harbor: MFP Financial Services, RFA Score 76/100; 5.0★ from 201 Google reviews.

  2. 3

    Most-reviewed: Florida Educators Insurance and GAC Wealth Management, 702 Google reviews at 5.0★, the most of 293 ranked; ranked #3.

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

293 Safety Harbor financial planners are ranked here by RFA Score, from eight published factors. 31 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 4.9★ across 293 rated firms.

Top 10 financial planners in Safety Harbor 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 Safety Harbor at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1MFP Financial Services765.0★ (201)Safety Harbor—Top score
2Homeowners Financial Group755.0★ (334)Tampa, 11 mi away——
3Florida Educators Insurance and GAC Wealth Management755.0★ (702)Land O' Lakes, 19 mi away—Most reviews
4The Holland Group Retirement Wealth Advisors744.9★ (124)Clearwater, 2 mi away——
5Achieva Credit Union734.6★ (436)Largo, 9 mi awaySat—
6Business Advisory And Accounting Partners734.9★ (89)Clearwater, 2 mi away——
7Costanzo Financial Advisors725.0★ (95)Palm Harbor, 7 mi away——
8Integrity Financial Services724.9★ (108)Largo, 7 mi away——
9Csenge Advisory Group724.9★ (94)Clearwater, 6 mi away——
10Angle-Lau Wealth Management725.0★ (72)Oldsmar, 5 mi away——

All 293 financial planners in Safety Harbor, 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 Safety Harbor

    #1 MFP Financial Services

    Based in Safety Harbor

    76/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 201 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 201 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    335 9th Ave S, Safety Harbor, FL 34695
    View profile for MFP Financial Services(727) 443-3300

  5. #5 Achieva Credit Union

    Based in Largo, 9 mi away

    73/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.6★ from 436 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 436 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed 10 AM–5 PM · Thu 9 AM–5 PM · Fri 9 AM–5:30 PM · Sat 9 AM–1 PM · Sun closed
    Address
    12580 Seminole Blvd, Largo, FL 33778
    View profile for Achieva Credit Union(727) 431-0564

  9. #9 Csenge Advisory Group

    Based in Clearwater, 6 mi away

    72/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.9★ from 94 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 94 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–4 PM · Sat–Sun closed
    Address
    4755 E Bay Dr, Clearwater, FL 33764
    View profile for Csenge Advisory Group(727) 437-6000

  15. #15 Taylor Financial

    Based in Tampa, 8 mi away

    71/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.9★ from 98 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 98 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    5321 Memorial Hwy, Tampa, FL 33634
    View profile for Taylor Financial(813) 461-4001

  16. #16 Kash Tax

    Based in Lealman, 12 mi away

    71/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.7★ from 177 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 177 Google reviews
    Hours
    Mon–Fri 9 AM–8 PM · Sat 10 AM–6 PM · Sun closed
    Address
    5918 54th Ave N, Kenneth City, FL 33709
    View profile for Kash Tax(727) 744-4422

  18. #18 Mintco Financial

    Based in Tampa, 13 mi away

    71/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 102 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 102 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    3903 Northdale Blvd #100-E, Tampa, FL 33624
    View profile for Mintco Financial(813) 964-7100

  19. #19 Fiduciary First Advisors

    Based in Clearwater, 7 mi away

    70/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 5.0★ from 57 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 57 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    4590 Ulmerton Rd 104, Suite B, Clearwater, FL 33762
    View profile for Fiduciary First Advisors(727) 591-1099

  21. #21 7th Day Financial

    Based in Palm Harbor, 7 mi away

    70/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.9★ from 54 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 54 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat 9 AM–4 PM · Sun closed
    Address
    34026 US Hwy 19 N, Palm Harbor, FL 34684
    View profile for 7th Day Financial(727) 796-3339

  22. #22 Bankers Life

    Based in Clearwater, 3 mi away

    70/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 4.5★ from 63 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 63 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    73 N Park Place Blvd #101, Clearwater, FL 33759
    View profile for Bankers Life(727) 938-5999

  24. #24 Green Era Financial

    Based in Clearwater, 6 mi away

    69/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 40 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 40 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat–Sun closed
    Address
    1100 Cleveland St Ste 1503, Clearwater, FL 33755
    View profile for Green Era Financial(727) 210-5211

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

financial planners in Safety Harbor, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Thomas Yannetti, CFP® – Taylor Financial695.0★ (45)8 mi
27FND Trust Services694.8★ (36)3 mi
28Dolphin Financial Group695.0★ (30)4 mi
29Rise Management695.0★ (61)14 mi
30Maggard Wealth Management694.9★ (175)24 mi
31Family First Financial694.9★ (59)12 mi
32Instrumental Wealth695.0★ (52)12 mi
33Lenzo R Canty, CPA, P.A.694.9★ (83)17 mi
34Creative Planning685.0★ (43)11 mi
35Cortez Wealth Management685.0★ (25)4 mi
36Mosaic Financial Group684.9★ (53)12 mi
37TruWealth Partners685.0★ (33)8 mi
38Wealth Advisors Who Care685.0★ (30)8 mi
39Riviera Finance684.6★ (27)2 mi
40Bankers Life684.6★ (68)11 mi
41DiMatteo Group Financial Services | Florida685.0★ (49)14 mi
42Infinity Accounting Solutions685.0★ (52)15 mi
43Vernick Financial685.0★ (39)11 mi
44National Tax, Accounting, & Financial Inc.684.9★ (54)14 mi
45First Command Financial Advisor - Stephanie Caro, RICP®685.0★ (52)15 mi
46The Tranel Financial Group685.0★ (15)In Safety Harbor
47Beyer Wealth685.0★ (46)14 mi
48Unbehagen Advisors674.5★ (68)11 mi
49HD Money, Inc674.9★ (55)16 mi
50Kyle Edwards, Mortgage Loan Officer - First Horizon Bank675.0★ (37)12 mi

Also serving Safety Harbor

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 Safety Harbor
BusinessGoogle ratingDistance
Ashley Johnson - Private Wealth Advisor, Ameriprise Financial Services, LLC3.0★ (2)6 mi
Cary Street Partners5.0★ (2)8 mi
Coastal Wealth - Tampa5.0★ (2)8 mi
CORE Investment Management, LLC3.0★ (2)7 mi
Edward Jones - Financial Advisor: Rory O'Connor, AAMS®In Safety Harbor
Golf Club Reserves5.0★ (1)In Safety Harbor
JMI Group5.0★ (2)5 mi
Keybridge Wealth Management5.0★ (2)4 mi
King Financial Services Inc5.0★ (2)2 mi
Life Brokerage Financial Group3.0★ (2)4 mi
Premier Private Wealth Management LLC5.0★ (2)7 mi
Prosser Jeffery A MD4.5★ (2)6 mi
Raymond James Financial Services5.0★ (2)4 mi
Sovereign International Pension Services3.5★ (2)8 mi
Tampa Financial Group, Inc5.0★ (2)8 mi
Taylored Wealth ManagentIn Safety Harbor
Thad Kuczynski - Raymond James5.0★ (2)7 mi
Vardell Strategies LLCIn Safety Harbor
Wagner Advisory Group5.0★ (2)7 mi
Wealth Advisory Group Inc5.0★ (2)7 mi

How we ranked Safety Harbor financial planners

We scored 293 Safety Harbor 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 Safety Harbor 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 Safety Harbor: frequently asked questions

Which financial planner has the highest RFA Score in Safety Harbor?

By RFA Score, the highest-ranked financial planner in Safety Harbor, FL is MFP Financial Services with an RFA Score of 76/100. It has 5.0★ from 201 Google reviews. Homeowners Financial Group (#2) and Florida Educators Insurance and GAC Wealth Management (#3) follow. We ranked 293 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Safety Harbor?

RankedFinancialAdvisors ranks 293 financial planners serving Safety Harbor, FL. 2 of them are based in Safety Harbor; 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 Safety Harbor work on weekends?

31 of 293 ranked financial planners post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Achieva Credit Union (#5), Walter S Sanders & Associates (#13) and Kash Tax (#16). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Safety Harbor financial planners have?

The median Google rating among 293 rated financial planners in Safety Harbor is 4.9★, with a median of 13 reviews. Florida Educators Insurance and GAC Wealth Management has the most, 702 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 Safety Harbor count in this ranking?

Yes, if they are within 25 mi of the Safety Harbor 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 Safety Harbor 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 Safety Harbor 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 Safety Harbor

  1. November 2026: RFA Scores recalculated for 293 financial planners serving Safety Harbor.
  2. November 2026: 1 duplicate listing merged.

More financial planners and Safety Harbor pages