Skip to content

Financial Planners in Toledo, OH: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Toledo: SD Capital, RFA Score 79/100; 5.0★ from 244 Google reviews.

  2. 4

    Most-reviewed: Citizen Advisory Group, 99 Google reviews at 4.9★, the most of 41 ranked after SD Capital; ranked #4.

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

41 Toledo financial planners are ranked here by RFA Score, from eight published factors. 1 open Saturdays, based on posted hours. The median Google rating is 5.0★ across 41 rated firms.

Top 10 financial planners in Toledo 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 Toledo at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1SD Capital795.0★ (244)Oregon, 5 mi away—Top score
2Derick Gant755.0★ (43)ToledoSat · Evenings—
3Croak Capital755.0★ (42)Toledo——
4Citizen Advisory Group744.9★ (99)Perrysburg, 9 mi away—Most reviews
5America's Retirement Headquarters734.8★ (71)Maumee, 9 mi away——
6Wholehan Wealth Advisors, CFP735.0★ (22)Toledo——
7Fourth Dimension Financial Group725.0★ (38)Perrysburg, 8 mi away——
8Serious Money Ohio725.0★ (24)Sylvania, 6 mi away——
9Northwestern Mutual Toledo714.2★ (25)Toledo——
10Foguth Financial Group715.0★ (25)Maumee, 9 mi away——

All 41 financial planners in Toledo, 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 Toledo

    #1 SD Capital

    Based in Oregon, 5 mi away

    79/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 244 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 244 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–2 PM · Sat–Sun closed
    Address
    3150 Dustin Rd #2, Oregon, OH 43616
    View profile for SD Capital(419) 693-9000

  2. #2 Derick Gant

    Based in Toledo

    75/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 43 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 43 Google reviews
    Hours
    Mon–Sat 12 AM–12 AM · Sun closed
    Address
    5577 Airport Hwy #200, Toledo, OH 43615
    View profile for Derick Gant(419) 972-1922

  3. #3 Croak Capital

    Based in Toledo

    75/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 5.0★ from 42 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 42 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    432 N Superior St, Toledo, OH 43604
    View profile for Croak Capital(419) 464-7000

  4. #4 Citizen Advisory Group

    Based in Perrysburg, 9 mi away

    74/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 4.9★ from 99 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 99 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    770 Commerce Dr, Perrysburg, OH 43551
    View profile for Citizen Advisory Group(419) 872-0204

  8. #8 Serious Money Ohio

    Based in Sylvania, 6 mi away

    72/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 24 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 24 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    View profile for Serious Money Ohio(419) 495-8700

  10. #10 Foguth Financial Group

    Based in Maumee, 9 mi away

    71/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 5.0★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 25 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1684 Woodlands Dr Ste 300, Maumee, OH 43537
    View profile for Foguth Financial Group(810) 522-5650

  14. #14 Butler Capital Advisors

    Based in Perrysburg, 7 mi away

    70/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.2★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 32 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    28350 Kensington Ln #100, Perrysburg, OH 43551
    View profile for Butler Capital Advisors(419) 243-9665

  17. #17 MPM Wealth Advisors

    Based in Maumee, 9 mi away

    69/100RFA Score

    Ranked #17 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–4 PM · Sat–Sun closed
    Address
    7429 International Dr Ste A, Holland, OH 43528
    View profile for MPM Wealth Advisors(419) 861-1400

  18. #18 Croghan Colonial Bank

    Based in Oregon, 6 mi away

    69/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.0★ from 15 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 15 Google reviews
    Hours
    Mon–Tue 9 AM–4 PM · Wed closed · Thu–Fri 9 AM–4 PM · Sat–Sun closed
    Address
    4157 Navarre Ave, Oregon, OH 43616
    View profile for Croghan Colonial Bank(419) 691-6264

  21. #21 SJS Investment Services

    Based in Sylvania, 9 mi away

    68/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 5.0★ from 8 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 8 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    6711 Monroe St Bldg 4, Sylvania, OH 43560
    View profile for SJS Investment Services(419) 885-2626

  23. #23 PNC Private Bank

    Based in Toledo

    68/100RFA Score

    Ranked #23 because of its Google rating and specialty focus: 4.3★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 3 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    405 Madison Ave, Toledo, OH 43604
    View profile for PNC Private Bank(419) 259-6651

  24. #24 Munn Wealth Management

    Based in Maumee, 9 mi away

    68/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 7 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 7 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1700 Woodlands Dr Ste 100, Maumee, OH 43537
    View profile for Munn Wealth Management(419) 794-0536

  25. #25 Morgan Stanley

    Based in Toledo

    68/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 3.7★ from 3 Google reviews, listed on Google as “Financial planner”.

    • 3.7★ from 3 Google reviews
    Hours
    Mon–Fri 8 AM–4:30 PM · Sat–Sun closed
    Address
    7311 Crossleigh Ct, Toledo, OH 43617
    View profile for Morgan Stanley(419) 842-6500

All 41 financial planners

#1 to #25 are shown in full above. Here are #26 to #41, in RFA Score order; each links to its profile.

financial planners in Toledo, ranks 26 to 41
RankBusinessRFA ScoreGoogle ratingDistance
26Golden Reserve684.5★ (8)8 mi
27Skotynsky Financial Group, LLC685.0★ (6)8 mi
28Trowbridge Financial Services674.7★ (15)17 mi
29Edelman Financial Engines675.0★ (4)8 mi
30SJS Investment Services675.0★ (4)8 mi
31DeVerna & Co Financial664.8★ (4)10 mi
32Evergreen Wealth Management, LLC665.0★ (3)8 mi
33Kec, Walker & Associates - Ameriprise Financial Services, LLC665.0★ (3)8 mi
34Bollin Wealth Management, LLC665.0★ (3)10 mi
35Fidelity Investments663.3★ (7)11 mi
36Riverbank Wealth Management LLC665.0★ (9)19 mi
37First Merchants Bank653.7★ (25)19 mi
38Marvelous Retirement Planners, LLC645.0★ (7)In Toledo
39Pete Walker - Raymond James634.7★ (3)20 mi
40First Merchants Monroe Regional Office622.3★ (3)19 mi
41Masterpiece Financial Partners595.0★ (4)In Toledo

Also serving Toledo

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 Toledo
BusinessGoogle ratingDistance
Edward Jones - Financial Advisor: Aaron M Stark, CFP®|CPWA®|CEPA®|AAMS®|CRPS™5.0★ (6)In Toledo
Edward Jones - Financial Advisor: Brandon E Rodriguez, CFP®5.0★ (1)In Toledo
Edward Jones - Financial Advisor: Lori M Cannon, AAMS®5.0★ (5)In Toledo
Edward Jones - Financial Advisor: Melanie Connelly, CFP®|AAMS®5.0★ (3)In Toledo
Equity Planning Group5.0★ (1)In Toledo
Fifth Third Private Bank - James Bingle5.0★ (1)In Toledo
Fifth Third Private Bank - Jennifer Witt1.0★ (1)In Toledo
Fifth Third Securities5.0★ (1)In Toledo
Financial Design Group4.8★ (5)In Toledo
Indicator Advisory Corporation5.0★ (1)In Toledo
KMG Fiduciary Partners5.0★ (2)In Toledo
Premier Wealth Management Group5.0★ (2)In Toledo
Raymond James Financial Services5.0★ (2)In Toledo
Richard Luedtke - Private Wealth Advisor, Ameriprise Financial Services, LLC5.0★ (2)In Toledo
Ryan Sopko: Primerica - Financial Services5.0★ (34)In Toledo
Salem Financial Group5.0★ (2)In Toledo
SCORE3.7★ (3)In Toledo
Skylight Financial Group5.0★ (1)In Toledo
True Alpha Wealth Management5.0★ (1)In Toledo
Witness Riches4.8★ (505)In Toledo

How we ranked Toledo financial planners

We scored 41 Toledo 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 Toledo 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 Toledo: frequently asked questions

Which financial planner has the highest RFA Score in Toledo?

By RFA Score, the highest-ranked financial planner in Toledo, OH is SD Capital with an RFA Score of 79/100. It has 5.0★ from 244 Google reviews. Derick Gant (#2) and Croak Capital (#3) follow. We ranked 41 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Toledo?

RankedFinancialAdvisors ranks 41 financial planners serving Toledo, OH. 13 of them are based in Toledo; 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 Toledo work on weekends?

1 of 41 ranked financial planners post Saturday hours. The highest-ranked open Saturdays is Derick Gant (#2). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Toledo financial planners have?

The median Google rating among 41 rated financial planners in Toledo is 5.0★, with a median of 8 reviews. SD Capital has the most, 244 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 Toledo count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 41 financial planners serving Toledo.

More financial planners and Toledo pages