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Financial Planners in Thorold, ON: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Thorold: The Verge Insurance Group, RFA Score 75/100; 4.7★ from 316 Google reviews.

  2. 9

    Most-reviewed: Scotiabank, 113 Google reviews at 3.5★, the most of 93 ranked after The Verge Insurance Group; ranked #9.

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

93 Thorold financial planners are ranked here by RFA Score, from eight published factors. 17 open Saturdays, based on posted hours. The median Google rating is 4.2★ across 93 rated firms.

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

Top 10 financial planners in Thorold 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 Thorold at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1The Verge Insurance Group754.7★ (316)St. Catharines, 6 km away—Top score
2Niagara Region Money Coaches695.0★ (51)St. Catharines, 9 km awayEvenings—
3Whites Insurance Brokers674.9★ (68)Port Colborne, 26 km away——
4LSP Canada675.0★ (33)Niagara Falls, 8 km awaySat · Evenings—
5Co-operators - Tahir Insurance & Associates Inc.664.3★ (57)Niagara Falls, 8 km away——
6Desy's Bookkeeping & Tax Services664.4★ (56)Welland, 11 km away——
7Twin Power Financial655.0★ (23)Niagara Falls, 9 km away——
8Co-operators644.0★ (43)St. Catharines, 6 km away——
9Scotiabank643.5★ (113)Niagara Falls, 8 km awaySatMost reviews
10Crawford Smith & Swallow645.0★ (20)St. Catharines, 6 km away——

All 93 financial planners in Thorold, 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 Thorold

    #1 The Verge Insurance Group

    Based in St. Catharines, 6 km away

    75/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 4.7★ from 316 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 316 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    131 Ontario St, St. Catharines, ON L2R 6W2
    View profile for The Verge Insurance Group(905) 688-9170

  2. #2 Niagara Region Money Coaches

    Based in St. Catharines, 9 km away

    69/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 51 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 51 Google reviews
    Hours
    Mon–Wed 9 AM–8:30 PM · Thu–Fri 9 AM–5:30 PM · Sat–Sun closed
    Address
    36 Hiscott St Suite 200, St. Catharines, ON L2R 1C8
    View profile for Niagara Region Money Coaches(289) 969-4180

  4. #4 LSP Canada

    Based in Niagara Falls, 8 km away

    67/100RFA Score

    Ranked #4 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 11 AM–7 PM · Tue closed · Wed 9 AM–3 PM · Thu 11 AM–7 PM · Fri 9 AM–3 PM · Sat 10 AM–4 PM · Sun closed
    Address
    6746 Morrison St Unit 3, Niagara Falls, ON L2E 6Z8, Canada
    View profile for LSP Canada(289) 932-5043

  7. #7 Twin Power Financial

    Based in Niagara Falls, 9 km away

    65/100RFA Score

    Ranked #7 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–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    231 Four Mile Creek Rd, St. Davids, ON L0S 1P0
    View profile for Twin Power Financial(905) 468-4676

  8. #8 Co-operators

    Based in St. Catharines, 6 km away

    64/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.0★ from 43 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 43 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    10 Mac Turnbull Dr #10, St. Catharines, ON L2S 3W5
    View profile for Co-operators(905) 641-2667

  9. #9 Scotiabank

    Based in Niagara Falls, 8 km away

    64/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 3.5★ from 113 Google reviews, listed on Google as “Financial planner”.

    • 3.5★ from 113 Google reviews
    Hours
    Mon–Tue 9:30 AM–5 PM · Wed closed · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–3 PM · Sun closed
    Address
    7957 McLeod Rd Bldg E Unit E1, Niagara Falls, ON L2H 0G5, Canada
    View profile for Scotiabank(905) 374-5380

  10. #10 Crawford Smith & Swallow

    Based in St. Catharines, 6 km away

    64/100RFA Score

    Ranked #10 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 9 AM–5 PM · Sat–Sun closed
    Address
    43 Church St #400, St. Catharines, ON L2R 7E1
    View profile for Crawford Smith & Swallow(905) 937-2100

  11. #11 BMO Bank of Montreal

    Based in Niagara Falls, 7 km away

    63/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 3.4★ from 86 Google reviews, listed on Google as “Financial planner”.

    • 3.4★ from 86 Google reviews
    Hours
    Mon–Wed 9:30 AM–5 PM · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–4 PM · Sun closed
    Address
    6760 Morrison St, Niagara Falls, ON L2E 6Z8, Canada
    View profile for BMO Bank of Montreal(905) 356-7561

  12. #12 PrimeNet Financial

    Based in St. Catharines, 6 km away

    63/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 5.0★ from 16 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 16 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    145 King St, St. Catharines, ON L2R 3J2
    View profile for PrimeNet Financial(905) 327-8644

  13. #13 Sykora Financial

    Based in St. Catharines, 9 km away

    63/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 5.0★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 17 Google reviews
    Hours
    Mon–Fri 9 AM–4:30 PM · Sat–Sun closed
    Address
    261 Martindale Rd Unit 9a, St. Catharines, ON L2W 1A2
    View profile for Sykora Financial(905) 227-7479

  15. #15 BMO Bank of Montreal

    Based in St. Catharines, 7 km away

    63/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 3.3★ from 84 Google reviews, listed on Google as “Financial planner”.

    • 3.3★ from 84 Google reviews
    Hours
    Mon–Wed 9:30 AM–5 PM · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–4 PM · Sun closed
    Address
    420 Vansickle Rd Bldg H001, St. Catharines, ON L2S 0C7
    View profile for BMO Bank of Montreal(905) 641-7837

  16. #16 Crawford Smith & Swallow

    Based in Niagara Falls, 10 km away

    63/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.8★ from 18 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 18 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    4741 Queen St, Niagara Falls, ON L2E 2M2, Canada
    View profile for Crawford Smith & Swallow(905) 356-4200

  18. #18 BMO Bank of Montreal

    Based in St. Catharines, 3 km away

    62/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 3.2★ from 57 Google reviews, listed on Google as “Financial planner”.

    • 3.2★ from 57 Google reviews
    Hours
    Mon–Wed 9:30 AM–5 PM · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–4 PM · Sun closed
    Address
    228 Glendale Ave, St. Catharines, ON L2T 3Y6
    View profile for BMO Bank of Montreal(905) 641-7874

  19. #19 BMO Bank of Montreal

    Based in St. Catharines, 10 km away

    62/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 3.4★ from 56 Google reviews, listed on Google as “Financial planner”.

    • 3.4★ from 56 Google reviews
    Hours
    Mon–Wed 9:30 AM–5 PM · Thu–Fri 9:30 AM–6 PM · Sat 9:30 AM–4 PM · Sun closed
    Address
    121 Lakeshore Rd, St. Catharines, ON L2N 2T7
    View profile for BMO Bank of Montreal(905) 641-7803

  20. #20 Prosim Financial Group Inc.

    Based in St. Catharines, 9 km away

    62/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 12 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–12 PM · Sat–Sun closed
    Address
    20 Corporate Park Dr Ste 201, St. Catharines, ON L2S 3W2
    View profile for Prosim Financial Group Inc.(905) 225-1003

  24. #24 Jay Newton Financial

    Based in Niagara Falls, 8 km away

    61/100RFA Score

    Ranked #24 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 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    4411 Portage Rd, Niagara Falls, ON L2E 6A7, Canada
    View profile for Jay Newton Financial(905) 356-6668

  25. #25 Abaya Wealth Management LLC

    Based in Buffalo, 37 km away

    61/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 29 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 29 Google reviews
    Hours
    Mon 9 AM–5 PM · Tue–Wed 10 AM–7 PM · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1 Seneca St Ste 2905, Buffalo, NY 14203
    View profile for Abaya Wealth Management LLC(716) 345-0110

How we ranked Thorold financial planners

We scored 93 Thorold 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 Thorold 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 Thorold: frequently asked questions

Which financial planner has the highest RFA Score in Thorold?

By RFA Score, the highest-ranked financial planner in Thorold, ON is The Verge Insurance Group with an RFA Score of 75/100. It has 4.7★ from 316 Google reviews. Niagara Region Money Coaches (#2) and Whites Insurance Brokers (#3) follow. We ranked 93 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Thorold?

RankedFinancialAdvisors ranks 93 financial planners serving Thorold, ON. 1 of them is based in Thorold; the rest serve it from nearby towns. Counts are as of November 2026.

Which financial planners in Thorold work on weekends?

17 of 93 ranked financial planners post Saturday hours. The highest-ranked open Saturdays are LSP Canada (#4), Scotiabank (#9) and BMO Bank of Montreal (#11). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Thorold financial planners have?

The median Google rating among 93 rated financial planners in Thorold is 4.2★, with a median of 12 reviews. The Verge Insurance Group has the most, 316 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 Thorold count in this ranking?

Yes, if they are within 40 km of the Thorold city centre, 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 Thorold 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?

Search the person and the firm on the Canadian Securities Administrators’ National Registration Search, and for investment and mutual fund dealer representatives on CIRO AdvisorReport.

Who regulates financial planners in Thorold?

Advisors who sell or recommend securities register with the provincial securities regulator, and representatives of investment and mutual fund dealers are also overseen by CIRO. In Ontario, the titles “Financial Planner” and “Financial Advisor” are restricted to people holding a credential approved by FSRA.

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 Thorold

  1. November 2026: RFA Scores recalculated for 93 financial planners serving Thorold.

More financial planners and Thorold pages