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Financial Advisors in Encinitas, CA — Free Estimates
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As of June 2026, RatingsNearMe ranks 15 financial advisors in Encinitas, CA by verified customer ratings and review volume. The highest-rated is Root Financial with a 4.9-star rating from 96 verified reviews. Also in the top tier: Stone Steps Financial LLC and Seawise Financial, Inc.. The average rating across all listed financial advisors in Encinitas is 5 stars from 17 reviews per business on average.
Financial advisors in Encinitas typically charge 0.5–1.5% of assets under management annually, or $200–$500/hr fee-only.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
15
Businesses listed
5★
Avg rating
17
Avg reviews
Jun 1, 2026
Last updated
Top Rated Financial Advisors
Stone Steps Financial LLC
533 2nd St #207, Encinitas, CA 92024, USA
Seawise Financial, Inc.
120 Birmingham Dr Suite 240F, Cardiff, CA 92007, USA
Financial Advisors Rankings in Encinitas, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Root Financial1106 2nd St #102, Encinitas, CA 92024, USA | 4.9★ | 96 |
| #2 | Stone Steps Financial LLC533 2nd St #207, Encinitas, CA 92024, USA | 5.0★ | 29 |
| #3 | Seawise Financial, Inc.120 Birmingham Dr Suite 240F, Cardiff, CA 92007, USA | 5.0★ | 29 |
| #4 | Cornerstone Wealth Advisors1808 Aston Ave STE 150, Carlsbad, CA 92008, USA | 5.0★ | 1 |
| #5 | Finances For Life, LLC5857 Owens Ave #300, Carlsbad, CA 92008, USA | 5.0★ | 1 |
| #6 | Tidewater Financial849 2nd St, Encinitas, CA 92024, USA | 4.8★ | 14 |
| #7 | Salient Wealth Planning171 Saxony Rd Ste 211, Encinitas, CA 92024, USA | — | — |
| #8 | Coast to Coast Wealth Management - Ameriprise Financial Services, LLC2111 Palomar Airport Rd Ste 340, Carlsbad, CA 92011, USA | 5.0★ | 1 |
| #9 | Edward Jones - Financial Advisor: Walter A Bowser II, CFP®|AAMS®162 S Rancho Santa Fe Rd #20, Encinitas, CA 92024, USA | 5.0★ | 2 |
| #10 | Arcadia Private Wealth120 Birmingham Dr Suite 240C, Cardiff, CA 92007, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Financial Advisors in Encinitas
Finances For Life, LLC
5857 Owens Ave #300, Carlsbad, CA 92008, USA
Salient Wealth Planning
171 Saxony Rd Ste 211, Encinitas, CA 92024, USA
Coast to Coast Wealth Management - Ameriprise Financial Services, LLC
2111 Palomar Airport Rd Ste 340, Carlsbad, CA 92011, USA
Edward Jones - Financial Advisor: Walter A Bowser II, CFP®|AAMS®
162 S Rancho Santa Fe Rd #20, Encinitas, CA 92024, USA
Arcadia Private Wealth
120 Birmingham Dr Suite 240C, Cardiff, CA 92007, USA
Lifetime Financial Advisors, Inc.
2210 Encinitas Blvd Ste. C, Encinitas, CA 92024, USA
Jim Lee Financial
937 S Coast Hwy 101 suite c-206, Encinitas, CA 92024, USA
Longhouse Wealth Management
187 Calle Magdalena Suite 103, Encinitas, CA 92024, USA
Solomon Wealth Management
531 Encinitas Blvd STE 200, Encinitas, CA 92024, USA
O'Reilly Wealth Advisors LLC
6221 Paseo Alta Rico, Carlsbad, CA 92009, USA
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Frequently Asked Questions — Financial Advisors in Encinitas
What is a fiduciary financial advisor and why does it matter in Encinitas?
A fiduciary is legally required to act in your interest at all times. Non-fiduciary advisors (like some broker-dealers) only need to recommend "suitable" products, which may earn them higher commissions. Before hiring any financial advisor in Encinitas, ask directly: "Are you a fiduciary 100% of the time?" If they hesitate, keep looking.
How do I verify a financial advisor is registered and legitimate?
Use FINRA BrokerCheck (finra.org/brokercheck) to verify licenses and check for complaints or disciplinary actions. For Registered Investment Advisors, search SEC's IAPD at adviserinfo.sec.gov. CFP credentials can be verified at cfp.net/verify. These are free public tools — always check before handing over your finances.
How do financial advisors charge for their services in Encinitas?
Three main structures: (1) Fee-only — flat fee, hourly ($200–$500/hr), or a percentage of assets under management (typically 0.5–1.5% annually) with no commissions; (2) Fee-based — advisory fee plus commissions on products they sell; (3) Commission-only — free to meet, they earn commissions on products. Fee-only is the most transparent and avoids conflicts of interest.
What credentials should I look for in a financial advisor?
CFP (Certified Financial Planner) is the gold standard for comprehensive financial planning. CFA (Chartered Financial Analyst) is strongest for investment management. CPWA, ChFC, and RICP are recognized specializations. Avoid "advisor" titles without credentials — the term is unregulated. Verify any credential directly with the issuing organization.
How are the financial advisors on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every financial advisors on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 1, 2026.
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