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Financial Planners in Waterloo, IL: 2026 rankings

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

The short answer

  1. 1

    Highest RFA Score in Waterloo: FEFA Financial, RFA Score 70/100; 5.0★ from 154 Google reviews.

  2. 12

    Most-reviewed: Bank of America (with Drive-thru ATM), 340 Google reviews at 3.8★, the most of 116 ranked; ranked #12.

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

116 Waterloo financial planners are ranked here by RFA Score, from eight published factors. 22 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 4.5★ across 116 rated firms.

Top 10 financial planners in Waterloo 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 Waterloo at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1FEFA Financial705.0★ (154)Ballwin, 25 mi away—Top score
2Trevor Friedman - COUNTRY Financial Representative705.0★ (109)Fairview Heights, 20 mi away——
3Justine PETERSEN694.5★ (203)St. Louis, 22 mi away——
4Matt Scott Mortgage - St. Louis, Des Peres, & Kirkwood - Financial Services685.0★ (80)Webster Groves, 22 mi awayEvenings—
5Clark Wealth Partners685.0★ (66)O'Fallon, 21 mi away——
6West Community Credit Union - Kirkwood684.8★ (83)Kirkwood, 22 mi awaySat—
7Dan Carver III - Financial Advisor, Ameriprise Financial Services, LLC675.0★ (50)Webster Groves, 20 mi away——
8Toberman Becker Wealth675.0★ (53)St. Louis, 22 mi away——
9Adam Peters - COUNTRY Financial Representative674.9★ (37)Belleville, 16 mi away——
10Phase Financial665.0★ (51)Clayton, 24 mi away——

All 116 financial planners in Waterloo, 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 Waterloo

    #1 FEFA Financial

    Based in Ballwin, 25 mi away

    70/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 154 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 154 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    530 Vance Rd, Valley Park, MO 63088
    View profile for FEFA Financial(314) 947-3332

  3. #3 Justine PETERSEN

    Based in St. Louis, 22 mi away

    69/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.5★ from 203 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 203 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    1023 N Grand Blvd, St. Louis, MO 63106
    View profile for Justine PETERSEN(314) 533-2411

  5. #5 Clark Wealth Partners

    Based in O'Fallon, 21 mi away

    68/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 66 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 66 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    821 W Hwy 50 Ste 204, O'Fallon, IL 62269
    View profile for Clark Wealth Partners(618) 681-4756

  8. #8 Toberman Becker Wealth

    Based in St. Louis, 22 mi away

    67/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 53 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 53 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    1741 S Big Bend Blvd, St. Louis, MO 63117
    View profile for Toberman Becker Wealth(314) 783-9860

  10. #10 Phase Financial

    Based in Clayton, 24 mi away

    66/100RFA Score

    Ranked #10 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
    Address
    101 S Hanley Rd Ste 1900, Clayton, MO 63105
    View profile for Phase Financial(314) 492-0030

  13. #13 The Chamberlin Group

    Based in St. Louis, 25 mi away

    66/100RFA Score

    Ranked #13 because of its Google rating and specialty focus: 4.8★ from 60 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 60 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    12444 Powerscourt Dr Ste 100, St. Louis, MO 63131
    View profile for The Chamberlin Group(314) 909-1100

  14. #14 Thornton Financial LLC

    Based in St. Louis, 24 mi away

    65/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.8★ from 49 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 49 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    201 S Central Ave Ste 102, St. Louis, MO 63105
    View profile for Thornton Financial LLC(314) 776-9076

  15. #15 Associated Bank

    Based in Columbia, 8 mi away

    65/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.5★ from 12 Google reviews, listed on Google as “Financial planner”.

    • 4.5★ from 12 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    238 N Main St, Columbia, IL 62236
    View profile for Associated Bank(618) 281-4240

  21. #21 Midland States Bank

    Based in Columbia, 10 mi away

    64/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.9★ from 8 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 8 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat 9 AM–12 PM · Sun closed
    Address
    200 Quarry Rd, Columbia, IL 62236
    View profile for Midland States Bank(618) 281-9272

  25. #25 Creative Planning

    Based in Creve Coeur, 25 mi away

    63/100RFA Score

    Ranked #25 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 8 AM–4:30 PM · Sat–Sun closed
    Address
    12818 Daylight Cir, Des Peres, MO 63131
    View profile for Creative Planning(314) 966-3400

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

financial planners in Waterloo, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26West Community Credit Union - St Louis634.5★ (23)20 mi
27Financial & Tax Strategies LLC635.0★ (17)21 mi
281818 Wealth Advisors635.0★ (13)19 mi
29Excelerate Finance LLC635.0★ (10)16 mi
30Busey Bank634.2★ (18)17 mi
31Vantage Credit Union - Festus633.7★ (32)16 mi
32First Command Financial Advisor - Jeff Harris635.0★ (16)22 mi
33First Command Financial Advisor - Tymothy McDonell634.9★ (17)22 mi
34ARK Financial Wellness635.0★ (18)24 mi
35Bank of America Financial Center633.7★ (160)24 mi
36Mike Streeto - Edelman Financial Engines624.9★ (14)21 mi
37Fidelis Financial Planning, LLC625.0★ (16)23 mi
38Bank of America (with Drive-thru ATM)623.9★ (50)22 mi
39Associated Bank624.6★ (15)20 mi
40Financial & Tax Architects624.8★ (19)25 mi
41Derrick Lebryk - COUNTRY Financial Representative625.0★ (12)21 mi
42UMB Bank624.0★ (25)20 mi
43Wheelhouse Advisory Group LLC624.4★ (13)19 mi
44Stonebridge Financial Group625.0★ (10)20 mi
45Busey Bank613.5★ (35)18 mi
4625 Financial615.0★ (11)22 mi
47UMB Bank (with drive-thru services)613.8★ (36)22 mi
48First Command614.4★ (15)22 mi
49Purk & Associates PC614.4★ (17)23 mi
50Associated Bank613.9★ (19)20 mi

Also serving Waterloo

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 Waterloo
BusinessGoogle ratingDistance
Clarus Wealth Management5.0★ (2)15 mi
Dakota Street - COUNTRY Financial Representative5.0★ (1)In Waterloo
Edelman Financial Engines5.0★ (2)19 mi
Edward Jones - Financial Advisor: Adam Brewer, CFP®|AAMS®In Waterloo
Edward Jones - Financial Advisor: Collin T Moore, AAMS®5.0★ (2)In Waterloo
Edward Jones - Financial Advisor: Curtis HaentzlerIn Waterloo
Edward Jones - Financial Advisor: Dustin L West, CFP®In Waterloo
Edward Jones - Financial Advisor: Garrett Reifschneider, CFP®5.0★ (1)In Waterloo
Edward Jones - Financial Advisor: Stacy L Butler5.0★ (1)In Waterloo
Hovis & Associates5.0★ (2)16 mi
Jacob Renfrow - Thrivent4.5★ (2)17 mi
John Hoagland - ThriventIn Waterloo
Kip Quevreaux - ThriventIn Waterloo
Schaefer Wealth Management, Inc.5.0★ (3)In Waterloo
StifelIn Waterloo
Triada Advisors5.0★ (2)9 mi
U.S. Bancorp Advisors - Financial Advisors: Elizabeth Reepe5.0★ (2)20 mi
Wealth Plan Advisors Group5.0★ (2)16 mi
Wells Fargo AdvisorsIn Waterloo
Wendy Stevens - Thrivent5.0★ (1)In Waterloo

How we ranked Waterloo financial planners

We scored 116 Waterloo 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 Waterloo 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 Waterloo: frequently asked questions

Which financial planner has the highest RFA Score in Waterloo?

By RFA Score, the highest-ranked financial planner in Waterloo, IL is FEFA Financial with an RFA Score of 70/100. It has 5.0★ from 154 Google reviews. Trevor Friedman - COUNTRY Financial Representative (#2) and Justine PETERSEN (#3) follow. We ranked 116 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Waterloo?

RankedFinancialAdvisors ranks 116 financial planners serving Waterloo, IL. 1 of them is based in Waterloo; 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 Waterloo work on weekends?

22 of 116 ranked financial planners post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays are West Community Credit Union - Kirkwood (#6), UMB Bank (with drive-thru services) (#11) and Bank of America (with Drive-thru ATM) (#12). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Waterloo financial planners have?

The median Google rating among 116 rated financial planners in Waterloo is 4.5★, with a median of 11 reviews. Bank of America (with Drive-thru ATM) has the most, 340 reviews, and ranks #12. 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 Waterloo count in this ranking?

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

  1. November 2026: RFA Scores recalculated for 116 financial planners serving Waterloo.
  2. November 2026: 1 duplicate listing merged.

More financial planners and Waterloo pages