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Investment Advisors in Encinitas, CA: 2026 rankings

114 investment advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Encinitas: RG Bar Investment Group, RFA Score 70/100; 5.0★ from 8 Google reviews.

  2. 6

    Most-reviewed: San Diego Tax & Financial Associates, 277 Google reviews at 4.9★, the most of 114 ranked; ranked #6.

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

114 Encinitas investment advisors are ranked here by RFA Score, from eight published factors. 6 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 5.0★ across 114 rated firms.

Top 10 investment advisors in Encinitas 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 investment advisors in Encinitas at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1RG Bar Investment Group705.0★ (8)Encinitas—Top score
2Somers Capital705.0★ (68)San Diego, 23 mi away——
3IPX1031: Jordan Phillips695.0★ (13)Carlsbad, 6 mi away——
4Splitero683.9★ (190)San Diego, 12 mi away——
5Tj Stroben, Realtor Consultant First Team/CalRes Homes685.0★ (11)Carlsbad, 9 mi away——
6San Diego Tax & Financial Associates674.9★ (277)Carlsbad, 7 mi away—Most reviews
7Shamrock Point Investments675.0★ (19)San Diego, 20 mi awaySat—
8IPX1031 - Investment Property Exchange Services, Inc.675.0★ (4)Carlsbad, 6 mi away——
91031 Capital Solutions665.0★ (6)San Marcos, 10 mi away——
10Sprott Global Resource Investments663.3★ (7)Carlsbad, 6 mi away——

All 114 investment advisors in Encinitas, 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.

  2. #2 Somers Capital

    Based in San Diego, 23 mi away

    70/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 68 Google reviews, listed on Google as “Investment company”.

    • 5.0★ from 68 Google reviews
    Address
    1431 Pacific Hwy H4, San Diego, CA 92101
    View profile for Somers Capital

  4. #4 Splitero

    Based in San Diego, 12 mi away

    68/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 3.9★ from 190 Google reviews, listed on Google as “Investment service”.

    • 3.9★ from 190 Google reviews
    Hours
    Mon–Fri 8 AM–6 PM · Sat–Sun closed
    Address
    4365 Executive Dr Ste 925, San Diego, CA 92121
    View profile for Splitero(888) 365-3372

  9. #9 1031 Capital Solutions

    Based in San Marcos, 10 mi away

    66/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 6 Google reviews, listed on Google as “Investment service”.

    • 5.0★ from 6 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    100 E San Marcos Blvd, San Marcos, CA 92069
    View profile for 1031 Capital Solutions(800) 445-5908

  18. #18 Trajan Wealth

    Based in Carlsbad, 6 mi away

    63/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 55 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 55 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    701 Palomar Airport Rd #300, Carlsbad, CA 92011
    View profile for Trajan Wealth(760) 607-4444

  20. #20 Wealthlynk Inc.

    Based in Fallbrook, 23 mi away

    63/100RFA Score

    Ranked #20 because of its Google rating and specialty focus: 5.0★ from 7 Google reviews, listed on Google as “Investment service”.

    • 5.0★ from 7 Google reviews
    Address
    1615 S Mission Rd Ste A, Fallbrook, CA 92028
    View profile for Wealthlynk Inc.(760) 621-4471

  23. #23 Canter Wealth

    Based in La Jolla, 13 mi away

    63/100RFA Score

    Ranked #23 because of its Google rating and review volume: 5.0★ from 92 Google reviews.

    • 5.0★ from 92 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    7825 Fay Ave #140, La Jolla, CA 92037
    View profile for Canter Wealth(858) 812-7550

  25. #25 D'Arcy Capital Management

    Based in San Diego, 7 mi away

    63/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 5.0★ from 12 Google reviews, listed on Google as “Financial advisor”.

    • 5.0★ from 12 Google reviews
    Hours
    Mon–Thu 8 AM–4 PM · Fri 8 AM–1 PM · Sat–Sun closed
    Address
    12625 High Bluff Dr #314, San Diego, CA 92130
    View profile for D'Arcy Capital Management(858) 914-1133

Investment advisors 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 114 ranked investment advisors here; the rest are on their profiles.

investment advisors in Encinitas, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Edward Jones - Financial Advisor: David S Peterson, CFP®624.9★ (46)7 mi
27Safeguard Investment Advisory Group625.0★ (15)13 mi
28Weatherly Asset Management623.0★ (13)In Encinitas
29Wilsey Asset Management625.0★ (15)14 mi
30Creative Capital Management Investments LLC (CCMI)615.0★ (14)14 mi
31Guide My Finances615.0★ (35)9 mi
32Copley Wealth Management614.8★ (82)15 mi
33Pacific Wealth Management614.9★ (34)8 mi
34Presidio Capital Management615.0★ (6)7 mi
35Traction Wealth Management615.0★ (60)17 mi
36TriVant Custom Portfolio Group, LLC613.7★ (3)23 mi
37Longhouse Wealth Management615.0★ (12)In Encinitas
38Define Financial604.9★ (24)7 mi
39High Bluff Private Wealth605.0★ (22)7 mi
40WWM Financial604.8★ (23)6 mi
41One Degree Advisors605.0★ (68)21 mi
42Trilogy Financial Services604.6★ (25)7 mi
43Claudio Salvatorelli Investment Property Advisor605.0★ (8)In Encinitas
44Wealth Analytics605.0★ (16)7 mi
45Harrison & Associates - Ameriprise Financial Services, LLC595.0★ (14)7 mi
46Edward Jones - Financial Advisor: Cole Heimerdinger, CFP®|CPWA®595.0★ (7)In Encinitas
47Higgins Capital Management, Inc.595.0★ (5)13 mi
48Carter Financial595.0★ (6)In Encinitas
49Parabolic Asset Management - San Diego Financial Advisor595.0★ (14)25 mi
50Heritage Wealth Management, Inc.585.0★ (17)12 mi

Also serving Encinitas

20 more investment advisors within 25 mi that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked investment advisors serving Encinitas
BusinessGoogle ratingDistance
20/20 Financial Advisers5.0★ (1)In Encinitas
Bank of America (with Drive-thru ATM)3.5★ (26)In Encinitas
EcoElectron VenturesIn Encinitas
Edward Jones - Financial Advisor: Walter A Bowser II, CFP®|AAMS®5.0★ (2)In Encinitas
FlightPath Financial Planning5.0★ (3)In Encinitas
Independent Wealth Solutions5.0★ (25)In Encinitas
Jim Lee Financial4.9★ (11)In Encinitas
Kelly Investment Management5.0★ (2)In Encinitas
Lifetime Financial Advisors, Inc.5.0★ (1)In Encinitas
LPL FinancialIn Encinitas
Morgan Stanley Financial Advisors3.0★ (2)In Encinitas
Offer Now Idaho LLC4.9★ (190)In Encinitas
Root Financial4.9★ (108)In Encinitas
Seawise Financial, Inc.5.0★ (29)In Encinitas
Solomon Wealth Management5.0★ (2)In Encinitas
Stout Capital Management LLC1.0★ (1)In Encinitas
Tidewater Financial4.8★ (14)In Encinitas
Torrey Growth & Income Advisors5.0★ (6)In Encinitas
Trade Genie Inc.4.6★ (70)In Encinitas
Wei Chen 陈巍 - Morgan Stanley5.0★ (2)In Encinitas

How we ranked Encinitas investment advisors

We scored 114 Encinitas investment advisors 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 Encinitas 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 an investment advisor

  1. Confirm the investment advisor 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 an investment advisor

  • 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 investment advisor?
  • 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.

Investment advisors in Encinitas: frequently asked questions

Which investment advisor has the highest RFA Score in Encinitas?

By RFA Score, the highest-ranked investment advisor in Encinitas, CA is RG Bar Investment Group with an RFA Score of 70/100. It has 5.0★ from 8 Google reviews. Somers Capital (#2) and IPX1031: Jordan Phillips (#3) follow. We ranked 114 investment advisors on eight factors, last updated November 9, 2026.

How many investment advisors are there in Encinitas?

RankedFinancialAdvisors ranks 114 investment advisors serving Encinitas, CA. 9 of them are based in Encinitas; 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 investment advisors in Encinitas work on weekends?

6 of 114 ranked investment advisors post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays is Shamrock Point Investments (#7). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Encinitas investment advisors have?

The median Google rating among 114 rated investment advisors in Encinitas is 5.0★, with a median of 9 reviews. San Diego Tax & Financial Associates has the most, 277 reviews, and ranks #6. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank investment advisors?

Each investment advisor 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 investment advisors outside Encinitas count in this ranking?

Yes, if they are within 25 mi of the Encinitas city center, our service radius for investment advisors. 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 investment advisors 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 an investment advisor do?

Investment advisors manage portfolios and give advice about securities for a fee. In the US, firms register with the SEC or a state securities regulator and file a Form ADV brochure; in Canada, portfolio managers and dealers register with the provincial securities regulator.

How are investment advisors in Encinitas ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers investment advice and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check an investment advisor’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 investment advisor in Encinitas 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 investment advisors 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 Encinitas

  1. November 2026: RFA Scores recalculated for 114 investment advisors serving Encinitas.

More investment advisors and Encinitas pages