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Financial Planners in Santa Rosa, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Santa Rosa: Community First Credit Union, RFA Score 75/100; 4.7★ from 77 Google reviews.

  2. 3

    Most-reviewed: Redwood Credit Union, 114 Google reviews at 4.0★, the most of 51 ranked; ranked #3.

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

51 Santa Rosa financial planners are ranked here by RFA Score, from eight published factors. 16 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 4.2★ across 51 rated firms.

Top 10 financial planners in Santa Rosa 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 Santa Rosa at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Community First Credit Union754.7★ (77)Santa Rosa—Top score
2Community First Credit Union734.2★ (93)Santa Rosa——
3Redwood Credit Union724.0★ (114)Santa RosaSatMost reviews
4Redwood Credit Union714.4★ (42)Santa RosaSat—
5Redwood Credit Union714.3★ (69)Rohnert Park, 6 mi awaySat—
6Redwood Credit Union704.1★ (41)Santa RosaSat—
7Redwood Credit Union704.0★ (45)Santa Rosa——
8Community First Credit Union694.9★ (76)Novato, 25 mi away——
9Abacus Wealth Partners695.0★ (15)Santa Rosa——
10Paladin Fiduciary Services LLC694.8★ (16)Santa Rosa——

All 51 financial planners in Santa Rosa, 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.

  3. #3 Redwood Credit Union

    Based in Santa Rosa

    72/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.0★ from 114 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 114 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    1205 N Dutton Ave, Santa Rosa, CA 95401
    View profile for Redwood Credit Union(800) 479-7928

  4. #4 Redwood Credit Union

    Based in Santa Rosa

    71/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 4.4★ from 42 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 42 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    2763 4th St, Santa Rosa, CA 95405
    View profile for Redwood Credit Union(707) 545-4000

  5. #5 Redwood Credit Union

    Based in Rohnert Park, 6 mi away

    71/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.3★ from 69 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 69 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    250 Rohnert Park Expy, Rohnert Park, CA 94928
    View profile for Redwood Credit Union(707) 545-4000

  6. #6 Redwood Credit Union

    Based in Santa Rosa

    70/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.1★ from 41 Google reviews, listed on Google as “Financial planner”.

    • 4.1★ from 41 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    2460 Mendocino Ave suite a, Santa Rosa, CA 95403
    View profile for Redwood Credit Union(707) 545-4000

  7. #7 Redwood Credit Union

    Based in Santa Rosa

    70/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 4.0★ from 45 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 45 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    3033 Cleveland Ave #100, Santa Rosa, CA 95403
    View profile for Redwood Credit Union(707) 545-4000

  12. #12 Redwood Credit Union

    Based in Petaluma, 14 mi away

    68/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.4★ from 57 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 57 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    301 N McDowell Blvd, Petaluma, CA 94954
    View profile for Redwood Credit Union(800) 479-7928

  15. #15 Swad Wealth Management

    Based in Santa Rosa

    68/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 5.0★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 11 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    100 Stony Point Rd Ste 244, Santa Rosa, CA 95401
    View profile for Swad Wealth Management(707) 899-1010

  18. #18 Redwood Credit Union

    Based in Napa, 25 mi away

    66/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.6★ from 55 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 55 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    1705 1st St, Napa, CA 94559
    View profile for Redwood Credit Union(707) 545-4000

  20. #20 BMO Bank N.A Branches

    Based in Rohnert Park, 6 mi away

    64/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 3.4★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 3.4★ from 17 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    6301 State Farm Dr, Rohnert Park, CA 94928
    View profile for BMO Bank N.A Branches(707) 586-8000

  22. #22 Redwood Credit Union

    Based in Novato, 24 mi away

    64/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 4.1★ from 48 Google reviews, listed on Google as “Financial planner”.

    • 4.1★ from 48 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–2 PM · Sun closed
    Address
    1010 Grant Ave, Novato, CA 94945
    View profile for Redwood Credit Union(800) 479-7928

  25. #25 Censia Wealth Advisors

    Based in Santa Rosa

    64/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 3 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    5213 El Mercado Pkwy Ste F, Santa Rosa, CA 95403
    View profile for Censia Wealth Advisors(707) 528-3010

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

financial planners in Santa Rosa, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Bank of America Financial Center632.2★ (34)In Santa Rosa
27Wasson Investment Services634.0★ (6)6 mi
28Jordan & Associates Retirement Services633.7★ (3)In Santa Rosa
29Merrill Lynch Wealth Management632.7★ (3)In Santa Rosa
30Bank of America (with Drive-thru ATM)622.4★ (45)7 mi
31Bank of America (Lobby Service Only)623.6★ (16)17 mi
32Northwestern Mutual621.0★ (3)In Santa Rosa
33Bank of America Financial Center613.4★ (47)25 mi
34BMO Bank N.A Branches602.6★ (13)14 mi
35Bank of America Financial Center602.5★ (43)14 mi
36BMO Bank N.A Branches602.9★ (11)17 mi
37Ad Astra Financial Planning595.0★ (5)In Santa Rosa
38Bank of America (with Drive-thru ATM)592.8★ (29)24 mi
39Ansbrotax582.3★ (3)15 mi
40Mutual of Omaha Reverse Mortgage585.0★ (4)25 mi
41A.E.I. Financial Group585.0★ (22)10 mi
42Grotjahn Capital Management Co583.3★ (7)25 mi
43BMO Bank N.A Branches573.4★ (5)24 mi
44Sonoma Wealth Advisors574.9★ (33)17 mi
45Harvest Financial LLC574.0★ (4)25 mi
46Alpha Wealth Management and Planning575.0★ (3)25 mi
47Napa Wealth Management575.0★ (3)25 mi
48Sonoma County Wealth Advisors565.0★ (6)In Santa Rosa
49Lucey Wealth Advisors LLC535.0★ (8)12 mi
50Tarago Capital LLC515.0★ (6)15 mi

Also serving Santa Rosa

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 Santa Rosa
BusinessGoogle ratingDistance
Alpha Wealth Management and Planning3.0★ (2)In Santa Rosa
Bank of America Private Client Advisor Jason Foster5.0★ (1)In Santa Rosa
BaySierra Financial, Inc.5.0★ (13)In Santa Rosa
Charles Schwab3.6★ (14)In Santa Rosa
Dillwood Burkel & Millar3.0★ (2)In Santa Rosa
Edward Jones - Financial Advisor: Jeff Crouch5.0★ (3)In Santa Rosa
Edward Jones - Financial Advisor: Mark P Dunn, CFP®|ChFC®|CPWA®|CEPA®|CLU®|RICP®|ABFP®|AAMS®|CRPC™|AWMA®|CRPS™|CSRIC®5.0★ (8)In Santa Rosa
Edward Jones - Financial Advisor: Matthew Walls, CFP®|CEPA®|AWMA®5.0★ (13)In Santa Rosa
Edward Jones - Financial Advisor: Tim Carroll5.0★ (8)In Santa Rosa
Gbs Financial Corporation5.0★ (1)In Santa Rosa
Linkenheimer LLP CPAs & Advisors3.5★ (2)In Santa Rosa
Merrill Lynch Financial Advisor Nicholas Nicholson5.0★ (1)In Santa Rosa
Michelle Roxanne Martin: Primerica - Financial Services5.0★ (39)In Santa Rosa
Morgan Stanley Financial Advisors5.0★ (3)In Santa Rosa
Sonoma Wealth Advisors5.0★ (1)In Santa Rosa
The Master's Tax & Financial Services5.0★ (2)In Santa Rosa
Tweeten Eldercare Advisors5.0★ (2)In Santa Rosa
Veronica Mendoza Insurance Agency5.0★ (2)In Santa Rosa
Wedbush3.0★ (2)In Santa Rosa
Wells Fargo Advisors4.0★ (4)In Santa Rosa

How we ranked Santa Rosa financial planners

We scored 51 Santa Rosa 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 Santa Rosa 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 Santa Rosa: frequently asked questions

Which financial planner has the highest RFA Score in Santa Rosa?

By RFA Score, the highest-ranked financial planner in Santa Rosa, CA is Community First Credit Union with an RFA Score of 75/100. It has 4.7★ from 77 Google reviews. Community First Credit Union (#2) and Redwood Credit Union (#3) follow. We ranked 51 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Santa Rosa?

RankedFinancialAdvisors ranks 51 financial planners serving Santa Rosa, CA. 24 of them are based in Santa Rosa; 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 Santa Rosa work on weekends?

16 of 51 ranked financial planners post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Redwood Credit Union (#3), Redwood Credit Union (#4) and Redwood Credit Union (#5). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Santa Rosa financial planners have?

The median Google rating among 51 rated financial planners in Santa Rosa is 4.2★, with a median of 15 reviews. Redwood Credit Union has the most, 114 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 Santa Rosa count in this ranking?

Yes, if they are within 25 mi of the Santa Rosa 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 Santa Rosa 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 Santa Rosa 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 Santa Rosa

  1. November 2026: RFA Scores recalculated for 51 financial planners serving Santa Rosa.

More financial planners and Santa Rosa pages