24/7 Available · Palm Harbor
24-Hour Financial Advisors in Palm Harbor, FL — Always Available
Emergencies don't keep business hours. These financial advisors in Palm Harbor are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 14 financial advisors in Palm Harbor, FL by verified customer ratings and review volume. The highest-rated is Palm Harbor Mortgage Advisors, Inc with a 5.0-star rating from 108 verified reviews. Also in the top tier: Consumer First Financial, Inc and Costanzo Financial Advisors. The average rating across all listed financial advisors in Palm Harbor is 4.9 stars from 43 reviews per business on average.
Financial advisors in Palm Harbor 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
14
Businesses listed
4.9★
Avg rating
43
Avg reviews
Jun 1, 2026
Last updated
Top Rated Financial Advisors
Palm Harbor Mortgage Advisors, Inc
3964 Mullenhurst Dr, Palm Harbor, FL 34685, USA
Consumer First Financial, Inc
32196 US Hwy 19 N Suite A, Palm Harbor, FL 34684, USA
Costanzo Financial Advisors
33920 US Hwy 19 N Suite 351, Palm Harbor, FL 34684, USA
Financial Advisors Rankings in Palm Harbor, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Palm Harbor Mortgage Advisors, Inc3964 Mullenhurst Dr, Palm Harbor, FL 34685, USA | 5.0★ | 108 |
| #2 | Consumer First Financial, Inc32196 US Hwy 19 N Suite A, Palm Harbor, FL 34684, USA | 4.9★ | 124 |
| #3 | Costanzo Financial Advisors33920 US Hwy 19 N Suite 351, Palm Harbor, FL 34684, USA | 5.0★ | 81 |
| #4 | SimplePath Retirement LLC220 Palm Harbor Blvd, Palm Harbor, FL 34683, USA | 5.0★ | 16 |
| #5 | TruWealth Partners5749 Windber Ct, Palm Harbor, FL 34685, USA | 5.0★ | 32 |
| #6 | 7th Day Financial34026 US Hwy 19 N, Palm Harbor, FL 34684, USA | 5.0★ | 48 |
| #7 | Edward Jones - Financial Advisor: Michael Urbanski, CFP®34650 US Hwy 19 N Suite 204, Palm Harbor, FL 34684, USA | 5.0★ | 5 |
| #8 | Wagner Advisory Group2662 W Lake Rd, Palm Harbor, FL 34684, USA | 5.0★ | 1 |
| #9 | Eagle Harbor Advisors2650 N Military Trl Suite 420, Boca Raton, FL 33431, USA | 5.0★ | 39 |
| #10 | ZARA Financial Group2706 US-19 ALT N #202, Palm Harbor, FL 34683, USA | 5.0★ | 9 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Financial Advisors in Palm Harbor
SimplePath Retirement LLC
220 Palm Harbor Blvd, Palm Harbor, FL 34683, USA
TruWealth Partners
5749 Windber Ct, Palm Harbor, FL 34685, USA
7th Day Financial
34026 US Hwy 19 N, Palm Harbor, FL 34684, USA
Edward Jones - Financial Advisor: Michael Urbanski, CFP®
34650 US Hwy 19 N Suite 204, Palm Harbor, FL 34684, USA
Wagner Advisory Group
2662 W Lake Rd, Palm Harbor, FL 34684, USA
Eagle Harbor Advisors
2650 N Military Trl Suite 420, Boca Raton, FL 33431, USA
ZARA Financial Group
2706 US-19 ALT N #202, Palm Harbor, FL 34683, USA
Edward Jones - Financial Advisor: Rich Lundahl, AAMS®
22 N Safford Ave, Tarpon Springs, FL 34689, USA
The Harbor Legacy Group - Morgan Stanley
4114 Woodlands Pkwy # 200, Palm Harbor, FL 34685, USA
Block Advisors
340 E Lake Rd S, Palm Harbor, FL 34685, USA
Premier Private Wealth Management LLC
1025 Ohio Ave, Palm Harbor, FL 34683, USA
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Frequently Asked Questions — Financial Advisors in Palm Harbor
What is a fiduciary financial advisor and why does it matter in Palm Harbor?
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 Palm Harbor, 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 Palm Harbor?
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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