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Retirement Planners in Trinity, FL: 2026 rankings

5 retirement planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Trinity: Transparent Retirement Group, RFA Score 68/100; 5.0★ from 23 Google reviews.

  2. 2

    Most-reviewed: Chucri Financial Services & Retirement Planning, 8 Google reviews at 5.0★, the most of 5 ranked after Transparent Retirement Group; ranked #2.

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

5 Trinity retirement planners are ranked here by RFA Score, from eight published factors. The median Google rating is 5.0★ across 5 rated firms.

Most of this list also appears on the Retirement planners in Clearwater ranking. See Retirement planners in Clearwater

Top 5 retirement planners in Trinity 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 5 retirement planners in Trinity at a glance
RankBusinessRFA ScoreGoogle ratingBased inNotable for
1Transparent Retirement Group685.0★ (23)Tampa, 19 mi awayTop score
2Chucri Financial Services & Retirement Planning665.0★ (8)Clearwater, 11 mi awayMost reviews
3James Spicuzza | Trust Group Financial | Estate & Retirement Planning635.0★ (3)Palm Harbor, 7 mi away—
4Retirement Advisory Consultants632.0★ (4)New Port Richey, 5 mi away—
5USA Wealth Retirement Advisors605.0★ (5)Spring Hill, 24 mi away—

All 5 retirement planners in Trinity, 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.

  3. #3 James Spicuzza | Trust Group Financial | Estate & Retirement Planning

    Based in Palm Harbor, 7 mi away

    63/100RFA Score

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

    • 5.0★ from 3 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    34921 US Hwy 19 N Ste 370, Palm Harbor, FL 34684
    View profile for James Spicuzza | Trust Group Financial | Estate & Retirement Planning(727) 939-9465

How we ranked Trinity retirement planners

We scored 5 Trinity retirement 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 Trinity 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 retirement planner

  1. Confirm the retirement 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 retirement 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 retirement 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.

Retirement planners in Trinity: frequently asked questions

Which retirement planner has the highest RFA Score in Trinity?

By RFA Score, the highest-ranked retirement planner in Trinity, FL is Transparent Retirement Group with an RFA Score of 68/100. It has 5.0★ from 23 Google reviews. Chucri Financial Services & Retirement Planning (#2) and James Spicuzza | Trust Group Financial | Estate & Retirement Planning (#3) follow. We ranked 5 retirement planners on eight factors, last updated November 9, 2026.

What Google rating do Trinity retirement planners have?

The median Google rating among 5 rated retirement planners in Trinity is 5.0★, with a median of 5 reviews. Transparent Retirement Group has the most, 23 reviews, and ranks #1. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank retirement planners?

Each retirement 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 retirement planners outside Trinity count in this ranking?

Yes, if they are within 25 mi of the Trinity city center, our service radius for retirement 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 retirement 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 retirement planner do?

Retirement planners focus on saving for retirement and turning savings into income: account choices, Social Security or CPP timing, withdrawal order, pensions and taxes in retirement. Some also advise employers on workplace retirement plans.

How are retirement planners in Trinity ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers retirement 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 retirement 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 retirement planner in Trinity 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 retirement 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 Trinity

  1. November 2026: RFA Scores recalculated for 5 retirement planners serving Trinity.

More retirement planners and Trinity pages