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Financial Planners in St. Charles, MD: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in St. Charles: RightAway Insurance Of Alexandria Virginia, RFA Score 73/100; 4.9★ from 266 Google reviews; open Saturdays until 12 AM.

  2. 3

    Most-reviewed: Bank of America (with Drive-thru ATM), 432 Google reviews at 4.3★, the most of 177 ranked; ranked #3.

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

177 St. Charles financial planners are ranked here by RFA Score, from eight published factors. 61 open Saturdays and 10 open Sundays, based on posted hours. The median Google rating is 4.7★ across 177 rated firms.

Most of this list also appears on the Financial planners in Waldorf ranking. See Financial planners in Waldorf

Top 10 financial planners in St. Charles 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 St. Charles at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1RightAway Insurance Of Alexandria Virginia734.9★ (266)Alexandria, 12 mi awaySat · EveningsTop score
2Kathleen Finn, LLC684.9★ (123)Washington, D.C., 22 mi away——
3Bank of America (with Drive-thru ATM)674.3★ (432)Dale City, 20 mi awaySatMost reviews
4First Command Financial Advisor - Joe DeAcosta, CMFA™675.0★ (51)Camp Springs, 14 mi away——
5First Command Financial Advisor - Ben Lievestro, CFP®665.0★ (62)Alexandria, 19 mi away——
6Emmanuel Baah CPA665.0★ (39)Alexandria, 13 mi away——
7Burke & Herbert Bank664.5★ (76)Alexandria, 13 mi awaySat—
8Bank of America (with Drive-thru ATM)664.2★ (376)Dale City, 22 mi awaySat—
9First Command Financial Advisor - Steve Brown655.0★ (48)Alexandria, 19 mi away——
10Good Life Financial Advisors of NOVA655.0★ (35)Alexandria, 15 mi away——

All 177 financial planners in St. Charles, 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.

  6. #6 Emmanuel Baah CPA

    Based in Alexandria, 13 mi away

    66/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 5.0★ from 39 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 39 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    8639 Engleside Office Park A, Alexandria, VA 22309
    View profile for Emmanuel Baah CPA(703) 373-7141

  7. #7 Burke & Herbert Bank

    Based in Alexandria, 13 mi away

    66/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 4.5★ from 76 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 76 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–1 PM · Sun closed
    Address
    8738 Cooper Rd, Alexandria, VA 22309
    View profile for Burke & Herbert Bank(703) 684-1653

  12. #12 United Bank

    Based in Montclair, 21 mi away

    65/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.7★ from 80 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 80 Google reviews
    Hours
    Mon–Tue 9 AM–4 PM · Wed closed · Thu 9 AM–4 PM · Fri 9 AM–6 PM · Sat 9 AM–12 PM · Sun closed
    Address
    17054 Richmond Hwy, Dumfries, VA 22026
    View profile for United Bank(703) 445-3010

  18. #18 Monument Wealth Management

    Based in Alexandria, 16 mi away

    64/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.9★ from 29 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 29 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    1940 Duke St Ste 6100, Alexandria, VA 22314
    View profile for Monument Wealth Management(703) 504-9600

  21. #21 Jones Mead & Associates

    Based in Falls Church, 24 mi away

    64/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.9★ from 51 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 51 Google reviews
    Hours
    Mon 9 AM–7 PM · Tue–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    7389 Lee Hwy Service Rd #103, Falls Church, VA 22042
    View profile for Jones Mead & Associates(703) 534-4005

  22. #22 MissionSquare

    Based in Washington, D.C., 21 mi away

    64/100RFA Score

    Ranked #22 because of its Google rating and specialty focus: 3.9★ from 334 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 334 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    777 North Capitol St NE Ste 600, Washington, DC 20002
    View profile for MissionSquare(800) 669-7400

  23. #23 Illumint by Kevin Mahoney, CFP®

    Based in Washington, D.C., 22 mi away

    64/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 5.0★ from 37 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 37 Google reviews
    Hours
    Mon–Tue 9:30 AM–4:30 PM · Wed closed · Thu 9:30 AM–4:30 PM · Fri 9:30 AM–3:30 PM · Sat–Sun closed
    Address
    Wonder Bread Factory, 641 S St NW, Washington, DC 20001
    View profile for Illumint by Kevin Mahoney, CFP®

How we ranked St. Charles financial planners

We scored 177 St. Charles 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 St. Charles 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 St. Charles: frequently asked questions

Which financial planner has the highest RFA Score in St. Charles?

By RFA Score, the highest-ranked financial planner in St. Charles, MD is RightAway Insurance Of Alexandria Virginia with an RFA Score of 73/100. It has 4.9★ from 266 Google reviews. It is open Saturdays until 12 AM. Kathleen Finn, LLC (#2) and Bank of America (with Drive-thru ATM) (#3) follow. We ranked 177 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in St. Charles?

RankedFinancialAdvisors ranks 177 financial planners serving St. Charles, MD. Counts are as of November 2026.

Which financial planners in St. Charles work on weekends?

61 of 177 ranked financial planners post Saturday hours and 10 post Sunday hours. The highest-ranked open Saturdays are RightAway Insurance Of Alexandria Virginia (#1), Bank of America (with Drive-thru ATM) (#3) and Burke & Herbert Bank (#7). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do St. Charles financial planners have?

The median Google rating among 177 rated financial planners in St. Charles is 4.7★, with a median of 18 reviews. Bank of America (with Drive-thru ATM) has the most, 432 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 St. Charles count in this ranking?

Yes, if they are within 25 mi of the St. Charles 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 St. Charles 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 St. Charles 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 St. Charles

  1. November 2026: RFA Scores recalculated for 177 financial planners serving St. Charles.

More financial planners and St. Charles pages