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Financial Planners in Tracy, CA: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Tracy: Paramount Tax & Accounting Lathrop - Manteca, RFA Score 67/100; 4.9★ from 44 Google reviews.

  2. 22

    Most-reviewed: Bank of America (with Drive-thru ATM), 169 Google reviews at 2.3★, the most of 58 ranked; ranked #22.

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

58 Tracy financial planners are ranked here by RFA Score, from eight published factors. 23 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 4.0★ across 58 rated firms.

Top 10 financial planners in Tracy 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 Tracy at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Paramount Tax & Accounting Lathrop - Manteca674.9★ (44)Lathrop, 8 mi away—Top score
2Shield Uribe Insurance Agency655.0★ (67)Patterson, 25 mi away——
3Bank of America (with Drive-thru ATM)643.0★ (131)TracySat—
4Patelco Credit Union Brentwood624.2★ (71)Brentwood, 23 mi awaySat—
5BMO Bank N.A Branches623.5★ (25)TracySat—
6Homeowners Financial Group614.9★ (28)Stockton, 19 mi away——
7Journey Wealth Management, LLC615.0★ (17)Manteca, 12 mi away——
8Bank of America Financial Center612.6★ (58)Tracy——
9Smeed CPA, Inc604.4★ (27)Brentwood, 19 mi away——
10Patelco Credit Union Livermore593.7★ (44)Livermore, 19 mi awaySat—

All 58 financial planners in Tracy, 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 BMO Bank N.A Branches

    Based in Tracy

    62/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 3.5★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 3.5★ from 25 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    810 W Schulte Rd, Tracy, CA 95376
    View profile for BMO Bank N.A Branches(209) 839-2951

  9. #9 Smeed CPA, Inc

    Based in Brentwood, 19 mi away

    60/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.4★ from 27 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 27 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    3341 Walnut Blvd Suite 304, Brentwood, CA 94513
    View profile for Smeed CPA, Inc(925) 634-2344

  11. #11 F&M Bank

    Based in Manteca, 12 mi away

    59/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 4.2★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 17 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    611 N Main St, Manteca, CA 95336
    View profile for F&M Bank(209) 337-6000

  13. #13 BMO Bank N.A Branches

    Based in Manteca, 13 mi away

    59/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 3.2★ from 39 Google reviews, listed on Google as “Financial planner”.

    • 3.2★ from 39 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    150 Commerce Ave, Manteca, CA 95336
    View profile for BMO Bank N.A Branches(209) 823-2136

  14. #14 F&M Bank

    Based in Stockton, 18 mi away

    59/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.3★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 21 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat–Sun closed
    Address
    4612 McGaw St, Stockton, CA 95207
    View profile for F&M Bank(209) 475-1128

  18. #18 BMO Bank N.A Branches

    Based in Stockton, 18 mi away

    58/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 3.2★ from 39 Google reviews, listed on Google as “Financial planner”.

    • 3.2★ from 39 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    560 N Wilson Way, Stockton, CA 95205
    View profile for BMO Bank N.A Branches(209) 946-5082

  20. #20 F&M Bank

    Based in Stockton, 20 mi away

    57/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 4.0★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 21 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    205 Lincoln Center, Stockton, CA 95207
    View profile for F&M Bank(209) 475-1128

  21. #21 BMO Bank N.A Branches

    Based in Stockton, 17 mi away

    57/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 3.1★ from 34 Google reviews, listed on Google as “Financial planner”.

    • 3.1★ from 34 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    540 N El Dorado St, Stockton, CA 95202
    View profile for BMO Bank N.A Branches(209) 946-5203

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

financial planners in Tracy, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Bank of America Financial Center562.7★ (95)20 mi
27Jacob Bruce - Financial Professional565.0★ (10)19 mi
28BayBridge Capital Group565.0★ (10)19 mi
29F&M Bank564.6★ (13)21 mi
30Bank of America Financial Center562.8★ (72)21 mi
31BMO Bank N.A Branches563.3★ (23)19 mi
32BMO Bank N.A Branches563.1★ (45)24 mi
33Bank of America Financial Center552.4★ (85)17 mi
34Attentive Investments555.0★ (8)19 mi
35BMO Bank N.A Branches553.1★ (20)20 mi
36Bankers Life554.3★ (10)20 mi
37Fidelity Investments543.0★ (26)25 mi
38Homeowners Financial Group545.0★ (4)16 mi
39Bank of America (with Drive-thru ATM)542.5★ (70)25 mi
40Bankers Life534.2★ (5)18 mi
41Valley Financial Services534.2★ (5)19 mi
42BMO Bank N.A Branches532.8★ (16)25 mi
43Homeowners Financial Group525.0★ (4)22 mi
44BMO Bank N.A Branches522.4★ (17)25 mi
45The Investment Consulting Group515.0★ (4)25 mi
46National Budget Planners512.6★ (8)25 mi
47Blom & Howell Financial Planning515.0★ (3)23 mi
48Khiet Vo - Private Client Advisor513.7★ (3)21 mi
49Principal Financial Group515.0★ (3)24 mi
50Kenoyer Financial & Insurance Solutions515.0★ (3)24 mi

Also serving Tracy

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 Tracy
BusinessGoogle ratingDistance
Absolute Credit Consulting5.0★ (1)In Tracy
Alfred E Ruiz - Private Wealth Advisor, Ameriprise Financial Services, LLC5.0★ (1)In Tracy
American Express Financial Services3.0★ (2)In Tracy
Cristian Spence - Financial AdvisorIn Tracy
Edward Jones - Financial Advisor: Erin Trayner, CEPA®In Tracy
Edward Jones - Financial Advisor: Mike Phan5.0★ (2)In Tracy
Edward Jones - Financial Advisor: Reijer G Groenveld5.0★ (2)In Tracy
Edward Jones - Financial Advisor: Steven BidwellIn Tracy
Investment Centers of AmericaIn Tracy
Merrill Investment & Retirement Financial CenterIn Tracy
Michaela Sobrero - Financial Advisor, Ameriprise Financial Services, LLCIn Tracy
Mraz and Associates, Inc.3.0★ (2)24 mi
PIC Credit RestorationIn Tracy
SPARK FINANCIALS5.0★ (2)24 mi
Timothy Moreno-Modern Woodmen of AmericaIn Tracy
Universal Traders GroupIn Tracy
Vantage Point Business Services Corp2.7★ (7)In Tracy
Wells Fargo AdvisorsIn Tracy
Wellspring International Capital Partners, LLCIn Tracy
Willson & Company5.0★ (2)In Tracy

How we ranked Tracy financial planners

We scored 58 Tracy 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 Tracy 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 Tracy: frequently asked questions

Which financial planner has the highest RFA Score in Tracy?

By RFA Score, the highest-ranked financial planner in Tracy, CA is Paramount Tax & Accounting Lathrop - Manteca with an RFA Score of 67/100. It has 4.9★ from 44 Google reviews. Shield Uribe Insurance Agency (#2) and Bank of America (with Drive-thru ATM) (#3) follow. We ranked 58 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Tracy?

RankedFinancialAdvisors ranks 58 financial planners serving Tracy, CA. 3 of them are based in Tracy; 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 Tracy work on weekends?

23 of 58 ranked financial planners post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Bank of America (with Drive-thru ATM) (#3), Patelco Credit Union Brentwood (#4) and BMO Bank N.A Branches (#5). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Tracy financial planners have?

The median Google rating among 58 rated financial planners in Tracy is 4.0★, with a median of 21 reviews. Bank of America (with Drive-thru ATM) has the most, 169 reviews, and ranks #22. 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 Tracy count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 58 financial planners serving Tracy.

More financial planners and Tracy pages