10+ Years · San Diego
Experienced Financial Advisors in San Diego, CA
Experience matters. These financial advisors in San Diego have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 20 financial advisors in San Diego, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Pure Financial Advisors, LLC with a 5.0-star rating from 190 Google reviews and an RNM Score of 99/100. Also in the top tier: Darrin A. Santos, CFP®-FSI Wealth and Copley Financial Group, Inc.. The average rating across all listed financial advisors in San Diego is 5 stars from 37 reviews per business on average.
Financial advisors in San Diego typically charge 0.5–1.5% of assets under management annually, or $200–$500/hr fee-only.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Define Financial
Define Financial stands out as the best overall because of its holistic, fee-only planning approach that prioritizes client education and tailored strategies.
Most Reviewed
WestPac® Wealth Partners (San Diego)
A high review count signals broad community trust and provides a large sample of client experiences, helping consumers gauge consistency and service quality.
When choosing a financial advisor in San Diego, verify credentials like CFP® certification and ensure the advisor's fee structure aligns with your needs—fee-only fiduciaries often reduce conflicts of interest. Always read multiple recent reviews to check for recurring themes in client satisfaction.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
37
Avg reviews
Jul 4, 2026
Last updated
Top Rated Financial Advisors
San Diego's top-rated financial advisor with a perfect 5.0 stars from nearly 200 reviews.
3131 Camino Del Rio N #1550, San Diego, CA 92108, USATrusted by 68 clients, this San Diego advisor holds a perfect 5.0-star rating.
1455 Frazee Rd Ste. 804-A, San Diego, CA 92108, USA4.8 stars from 81 reviews makes this San Diego financial advisor a trusted choice.
2650 Camino Del Rio N Suite #350, San Diego, CA 92108, USAFinancial Advisors Rankings in San Diego, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Pure Financial Advisors, LLC3131 Camino Del Rio N #1550, San Diego, CA 92108, USA | 5.0★ | 190 |
| #2 | Darrin A. Santos, CFP®-FSI Wealth1455 Frazee Rd Ste. 804-A, San Diego, CA 92108, USA | 5.0★ | 68 |
| #3 | Copley Financial Group, Inc.2650 Camino Del Rio N Suite #350, San Diego, CA 92108, USA | 4.8★ | 81 |
| #4 | Bull Oak16236 San Dieguito Rd Ste 4-22, Rancho Santa Fe, CA 92091, USA | 5.0★ | 30 |
| #5 | Traction Wealth Management4438 Ingraham St #2002, San Diego, CA 92109, USA | 5.0★ | 61 |
| #6 | Jon Luskin, CFP®San Diego, CA 92101, USA | 5.0★ | 17 |
| #7 | Heritage Wealth Management, Inc.11440 W Bernardo Ct # 390, San Diego, CA 92127, USA | 5.0★ | 17 |
| #8 | Payday Loan California Advisor925 B St Suite 751, San Diego, CA 92101, USA | 5.0★ | 7 |
| #9 | One Degree Advisors8880 Rio San Diego Dr # 1000, San Diego, CA 92108, USA | 5.0★ | 65 |
| #10 | Pacific Wealth Management11512 El Camino Real #350, San Diego, CA 92130, USA | 4.9★ | 27 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Financial Advisors in San Diego
Trusted by clients with a perfect 5.0★ rating across 30 Google reviews.
16236 San Dieguito Rd Ste 4-22, Rancho Santa Fe, CA 92091, USA
Trusted by 61 clients, this San Diego advisor holds a flawless 5.0-star rating.
4438 Ingraham St #2002, San Diego, CA 92109, USA
5.0 stars from 17 reviews, reflecting exceptional client satisfaction in San Diego.
San Diego, CA 92101, USA
Rated 5.0 stars from 17 Google reviews, this San Diego financial advisor is highly trusted.
11440 W Bernardo Ct # 390, San Diego, CA 92127, USA
Top-rated San Diego financial advisor with a perfect 5.0-star score from 7 reviews.
925 B St Suite 751, San Diego, CA 92101, USA
Top-rated San Diego financial advisor with a perfect 5.0★ rating from 65 reviews.
8880 Rio San Diego Dr # 1000, San Diego, CA 92108, USA
4.9 stars from 27 reviews; clients consistently praise this San Diego financial advisor.
11512 El Camino Real #350, San Diego, CA 92130, USA
Rated 5.0 stars from 22 Google reviews by San Diego clients.
3838 Camino Del Rio N Unit 365, San Diego, CA 92108, USA
Rated 4.9 stars from 45 Google reviews, this San Diego financial advisor is highly trusted.
12750 Carmel Country Rd Ste 208, San Diego, CA 92130, USA
Consistently rated 5.0 stars across 11 Google reviews from local clients.
600 W Broadway #600, San Diego, CA 92101, USA
Earns a stellar 4.9-star rating from 27 Google reviews in San Diego.
5280 Carroll Canyon Rd Suite 300, San Diego, CA 92121, USA
Consistently earns perfect 5.0-star ratings from its clients in San Diego.
6390 Greenwich Dr #215, San Diego, CA 92122, USA
Trusted San Diego financial advisor with a perfect 5.0-star rating from 9 reviews.
1455 Frazee Rd Suite 543, San Diego, CA 92108, USA
5.0 stars from 15 reviews, reflecting exceptional client satisfaction in San Diego.
1253 University Ave UNIT 1002, San Diego, CA 92103, USA
Recognized for exceptional 5.0-star service across 17 trusted reviews.
12526 High Bluff Dr STE 270, San Diego, CA 92130, USA
Trusted San Diego financial advisor with a perfect 5.0 rating from 22 reviews.
12520 High Bluff Dr #120, San Diego, CA 92130, USA
5.0 stars from 11 Google reviews, reflecting exceptional client satisfaction.
4660 La Jolla Village Dr ste 100, San Diego, CA 92122, USA
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Financial Advisors in San Diego, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Pure Financial Advisors, LLC | 99/100 | 5.0 ★ | 190 |
| 2 | Darrin A. Santos, CFP®-FSI Wealth | 93/100 | 5.0 ★ | 68 |
| 3 | Copley Financial Group, Inc. | 91/100 | 4.8 ★ | 81 |
| 4 | Bull Oak | 80/100 | 5.0 ★ | 30 |
| 5 | Traction Wealth Management | 84/100 | 5.0 ★ | 61 |
| 6 | Jon Luskin, CFP® | 77/100 | 5.0 ★ | 17 |
| 7 | Heritage Wealth Management, Inc. | 86/100 | 5.0 ★ | 17 |
| 8 | Payday Loan California Advisor | 73/100 | 5.0 ★ | 7 |
| 9 | One Degree Advisors | 84/100 | 5.0 ★ | 65 |
| 10 | Pacific Wealth Management | 86/100 | 4.9 ★ | 27 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Financial Advisors in San Diego
What is a fiduciary financial advisor and why does it matter in San Diego?
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 San Diego, 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 San Diego?
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: July 4, 2026.
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