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Financial Planners in Shelby, NC: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Shelby: Mathewson Mortgage Capital LLC, RFA Score 77/100; 5.0★ from 105 Google reviews; open 7 days a week.

  2. 3

    Most-reviewed: Truliant Federal Credit Union Gastonia, 177 Google reviews at 4.6★, the most of 22 ranked; ranked #3.

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

22 Shelby financial planners are ranked here by RFA Score, from eight published factors. 3 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 4.7★ across 22 rated firms.

Top 10 financial planners in Shelby 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 Shelby at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Mathewson Mortgage Capital LLC775.0★ (105)ShelbySat · Sun · EveningsTop score
2Truliant Federal Credit Union Shelby764.6★ (157)Shelby——
3Truliant Federal Credit Union Gastonia704.6★ (177)Gastonia, 24 mi away—Most reviews
4Mangum & Associates Inc665.0★ (5)Shelby——
5Gragg Financial663.9★ (7)Shelby——
6Decena Prosperity Group665.0★ (20)Gastonia, 18 mi awaySat—
7Leonard Wealth Management, LLC, A Registered Investment Advisor665.0★ (24)Lincolnton, 20 mi away——
8Simplified Financial665.0★ (23)Lincolnton, 20 mi away——
9United Bank664.7★ (33)Gastonia, 22 mi away——
10Barbara Mull Investment Solutions, LLC.654.0★ (4)Shelby——

All 22 financial planners in Shelby, 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 Gragg Financial

    Based in Shelby

    66/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 3.9★ from 7 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 7 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    9 E Marion St, Shelby, NC 28150
    View profile for Gragg Financial(704) 482-2001

  6. #6 Decena Prosperity Group

    Based in Gastonia, 18 mi away

    66/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 5.0★ from 20 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 20 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat 10 AM–4 PM · Sun closed
    Address
    2557 W Franklin Blvd, Gastonia, NC 28052
    View profile for Decena Prosperity Group(704) 671-2022

  8. #8 Simplified Financial

    Based in Lincolnton, 20 mi away

    66/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 23 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 23 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–12:30 PM · Sat–Sun closed
    Address
    333 E Main St, Lincolnton, NC 28092
    View profile for Simplified Financial(980) 222-7404

  9. #9 United Bank

    Based in Gastonia, 22 mi away

    66/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.7★ from 33 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 33 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu 9 AM–5 PM · Fri 9 AM–5:30 PM · Sat–Sun closed
    Address
    534 S New Hope Rd, Gastonia, NC 28054
    View profile for United Bank(704) 867-4000

  12. #12 United Community

    Based in Gaffney, 17 mi away

    64/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.4★ from 14 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 14 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    311 S Limestone St, Gaffney, SC 29340
    View profile for United Community(864) 487-8900

  14. #14 Wilson Financial Group

    Based in Gastonia, 22 mi away

    63/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.7★ from 15 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 15 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–12 PM · Sat–Sun closed
    Address
    520 S New Hope Rd, Gastonia, NC 28054
    View profile for Wilson Financial Group(704) 864-9404

  15. #15 United Bank

    Based in Lincolnton, 21 mi away

    62/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 3.6★ from 24 Google reviews, listed on Google as “Financial planner”.

    • 3.6★ from 24 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    901 E Main St, Lincolnton, NC 28092
    View profile for United Bank(704) 735-1104

  17. #17 Rhyne Financial

    Based in Lincolnton, 20 mi away

    60/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 4.2★ from 5 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 5 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–3 PM · Sat–Sun closed
    Address
    218 W Main St, Lincolnton, NC 28092
    View profile for Rhyne Financial(704) 736-0388

Also serving Shelby

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 Shelby
BusinessGoogle ratingDistance
Brinkley Financial Group5.0★ (2)10 mi
BYOD Prepaid WirelessIn Shelby
Dart Funding CompanyIn Shelby
Delta ERC, LLC dba:Delta Wealth ServicesIn Shelby
Edward Jones - Financial Advisor5.0★ (2)In Shelby
Edward Jones - Financial Advisor: Adam K Larsen5.0★ (10)In Shelby
Edward Jones - Financial Advisor: Brent Jenkins, AAMS®In Shelby
Edward Jones - Financial Advisor: Brooke D DuncanIn Shelby
Edward Jones - Financial Advisor: Jamie B Richard, AAMS®5.0★ (1)In Shelby
Edward Jones - Financial Advisor: Jean S McMullin1.0★ (1)In Shelby
Edward Jones - Financial Advisor: Jonathan M RhodesIn Shelby
Edward Jones - Financial Advisor: Sara A RichardIn Shelby
Edward Jones - Financial Advisor: Stephen L Price, ChFC®|RICP®|AAMS®5.0★ (3)In Shelby
First Piedmont Financial Corporation1.0★ (1)In Shelby
McNichol Insurance and Investments5.0★ (1)In Shelby
TDB Resources IncIn Shelby
Wells Fargo Advisors1.0★ (1)In Shelby
Wells Fargo AdvisorsIn Shelby
Western & Southern Life4.9★ (18)In Shelby
Winn Financial ServicesIn Shelby

How we ranked Shelby financial planners

We scored 22 Shelby 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 Shelby 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 Shelby: frequently asked questions

Which financial planner has the highest RFA Score in Shelby?

By RFA Score, the highest-ranked financial planner in Shelby, NC is Mathewson Mortgage Capital LLC with an RFA Score of 77/100. It has 5.0★ from 105 Google reviews. It is open 7 days a week. Truliant Federal Credit Union Shelby (#2) and Truliant Federal Credit Union Gastonia (#3) follow. We ranked 22 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Shelby?

RankedFinancialAdvisors ranks 22 financial planners serving Shelby, NC. 5 of them are based in Shelby; 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 Shelby work on weekends?

3 of 22 ranked financial planners post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays are Mathewson Mortgage Capital LLC (#1), Decena Prosperity Group (#6) and Bank of America (with Drive-thru ATM) (#16). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Shelby financial planners have?

The median Google rating among 22 rated financial planners in Shelby is 4.7★, with a median of 21 reviews. Truliant Federal Credit Union Gastonia has the most, 177 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 Shelby count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 22 financial planners serving Shelby.

More financial planners and Shelby pages