Find a financial advisor in Merced, CA

Find financial advisors in Merced, CA

Find financial advisors in Merced, CA

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Find financial advisors in Merced, CA

Confirm your location to see the best financial advisors near you.
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Top 10 financial advisors in Merced, CA

Clients agree: these Merced financial advisors are highly rated for knowledge, experience, communication, and more.
Associates Consulting Group

Associates Consulting Group

5.0(4)
26 hires on Thervo
19+ years in business
Serves Merced, CA & Online
Carol G. says, "I am very satisfied. I will be making another appt." Read more
ProCore Advisors, LLC.

ProCore Advisors, LLC.

5.0(1)
19+ years in business
Serves Merced, CA & Online
Laura D. says, "I first meet with Bryan to discuss retirement planning and investments. Bryan was an absolute wealth of knowledge and has always taken the time to answer questions or educate my husband and I on all of our financial matters. I can’t tell you how much better I feel knowing I have Bryan guiding us through our financial decisions. " Read more
The Mortgage Saver Guy

The Mortgage Saver Guy

21+ years in business
Serves Merced, CA & Online
Everything we do is creation of empowering people. We believe that if given the choice individuals will do the right thing, not only for themselves but for others too. We believe if we can figure out how to get people totally debt free we will change the course of the world. And it starts with you. The way we empower people is by making our product, useful, simple and comfortable to use. We just happen to make a great program, want to find out? If you are the type of person who likes to have total financial control and moreover in every aspect of your life, boy, do we have a product for you! It helps you organize completely all your finance...
Gerard Brass - Primerica

Gerard Brass - Primerica

48+ years in business
Serves Merced, CA & Online
I've been a Financial Advisor for over eight years, specializing in holistic value based financial planning. In addition to investment and financial advice we help ensure clients are properly protected with the right amount of insurance and work with them to form a plan to help our clients become debt free. The goal of our practice is to educate clients with their options, and help them put a plan together that helps them achieve financial independence in its entirety.
Spectrum Wealth Advisory Group

Spectrum Wealth Advisory Group

7+ years in business
Serves Merced, CA & Online
We are client focused. Specializing in taking the complicated world of finance and making it easy to understand. We manage all portfolios in-house. Our dedicated team is here for the purpose of supporting people in our community in managing their whole financial picture. Taking away the stresses of finances one person at a time. Being able to build long term relationships that make impact. To get to know people on such a level that we become their go to place to navigate the complexities of life....
Edward Jones Financial

Edward Jones Financial

7+ years in business
Serves Merced, CA & Online
I take a personalized approach to partnering with you. It is my job to come to understand what is important to you, so we can reach your financial priorities in a way that is tailored to you and your needs. No 1800 numbers, no impersonalized meetings, you work directly with me so there is a trusted partner in your corner whom you can rely on. It truly brings me joy working with individuals and small business owners, building relationships with them, putting their fears and concerns at ease knowing they have someone whom they know personally and can trust to help them with their financial picuture....
Navion Financial Advisors

Navion Financial Advisors

32+ years in business
Serves Merced, CA & Online
Navion Financial Advisors was formed in response to the growing public awareness that while they needed to coordinate all their financial affairs, they also want choice and flexibility. Many people are comfortable handling their own affairs most of the time, and wish to just validate their decisions on an occasional basis. Others want to ongoing assistance. Most want to know what it is they are paying for, and how much. By offering hourly, as needed financial planning separate from investment management, Navion Financial Advisors can provide the precise level of service the client desires. From a one hour consultation for a specific ques...
Frankel Financial Services

Frankel Financial Services

5.0Exceptional(23)
1 hire on Thervo
26+ years in business
Serves Merced, CA & Online
Carol L. says, "Frankel was very knowledgeable with tax law and investment strategy. I can't thank him enough for guiding me with my taxes and finances this past year." Read more
Colwyn Investments

Colwyn Investments

5.0(3)
19+ years in business
Serves Merced, CA & Online
Mike W. says, "I've worked with Todd Sirrine for several years now and find him to be extremely knowledgeable and very willing to educate me on what I don't know about the financial markets as well as listening to my ideas as to what might be good investments. He's very available and willing to chat with me whenever I have a question. I've worked with other financial advisors in the past, some working for the top investment companies but none of them have been as helpful as Todd has with Colwyn Investments. I've already recommended him to my friends." Read more
Ray Prospero Fiduciary Financial Advisor - AdvicePeriod

Ray Prospero Fiduciary Financial Advisor - AdvicePeriod

5.0(4)
Top Pro
2 hires on Thervo
15+ years in business
Serves Merced, CA & Online
Carl says, "Ray is very personable and knowledgeable. He is a trusted advisor. You can tell that he is passionate about his work and that he cares for his clients. Highly recommended! " Read more

Your Personal Financial Planning questions, answered

Answers to commonly asked questions from the experts on Thervo.

How much do financial planners charge?

Financial planners charge a flat fee or an hourly rate for their services. A fee-only financial planner charges a flat fee for services ranging from $1,000 to $10,000 to develop a comprehensive financial plan.

A financial planner's hourly rates range from $200 to $400 per hour, depending on the advisor's experience. The larger and more complex your portfolio, the more time the financial planner will spend helping you develop a financial plan.

In contrast, financial advisors commonly charge a percentage of the assets under management (AUM). The standard fee for financial advisors is .0.25% to 1% of AUM, so for investors with $100,000 in assets, the annual fees would be $1,000. Some financial advisors serve only wealthy clients and set a minimum size for investment accounts. However, the more money the advisors manage, the lower the percentage fee they will charge.

What is a financial planner?

A financial planner helps to create a long-term financial plan for your wealth. Financial planners may sell commission-based products like life insurance, but their primary focus is helping you manage your finances including creating a budget, saving for emergencies, building college funds for your children, retirement planning, and estate planning.

A financial advisor is different from a financial planner in that their main purpose is to offer guidance and advice on financial matters like investments. They help you make informed decisions to build wealth and achieve your financial goals.

Are financial planners worth the cost?

A financial planner is worth the cost, especially if you have debt to consolidate or need help reaching your financial goals. Working with a financial planner can help you grow your wealth, manage your assets, and plan for retirement. They provide the expertise to make sound financial decisions while saving you time on researching financial investments and savings accounts. Employing a financial planner gives you peace of mind that you are making responsible financial decisions and have a plan for the future.

If you are considering working with a financial planner, be sure to:

  • Ask about all of the fees associated with the services you are interested in.
  • Make sure the financial planner you choose is a fiduciary. These financial planners have a fiduciary duty or legal obligation to act in your best interest, rather than looking for investments that pay the highest commissions.
  • Only agree to financial investments or products when you understand the risk and potential benefits.

How much money should I have before hiring a financial planner?

There is no minimum amount of money you should have before hiring a financial planner. Some financial planners have minimum account balance requirements, which can range from $50,000 to $1 million or more. If you have less than the minimum account balance, you may still be able to find a financial planner willing to work with you if you pay a higher fee.

Online financial planners are often more affordable than traditional financial planners and may not have minimum account balance requirements. Online planners can be accessed from anywhere with an internet connection, giving you the flexibility to work with an advisor on your schedule. These companies also have access to a wider range of expertise, employing a network of advisors with different specialties able to create a personalized financial plan tailored to your specific needs and goals.

How do I choose a financial planner?

Choosing a financial planner is a major life decision that can help you achieve your financial and retirement goals. Do not settle for a planner based on their price or location. Instead, do your research and find a planner that specializes in the services you need. If debt consolidation is an issue, find a planner that can help you reduce your debt while still building your savings. If you want to retire early, find a planner that can help you invest in products to help you reach your goals sooner.

Here are some tips to help you find the best financial planner for you:

  • Do your research by reading reviews, comparing fees, and learning about the different planning services available.
  • Interview several advisors in person to be sure you are comfortable with their personality and philosophy.
  • Make sure the planner is a fiduciary that will act in your best interests.
  • Ask about their fee structure and make sure the "all-in" costs fit your budget.
  • Get everything in writing including the services they provide, how they will be compensated, and any extra fees you should expect.
  • Be prepared to ask questions about their approach to financial planning and how they will handle your specific situation.

What questions should I ask a financial planner?

Before committing to a financial planner, make sure you are hiring the best person for you and your financial situation. Schedule interviews with several potential advisors and ask these important questions:

  • Are you a fiduciary?
  • What is your fee structure?
  • What additional fees should I expect?
  • What are your qualifications?
  • How often will we meet?
  • Will you be available for phone calls or emails outside of scheduled appointments?
  • What is your investment philosophy?
  • Will you help me invest in ethically responsible companies?

Reviews for Merced financial advisors

Recent success stories from people in the Merced area.
Gabrielle T.
Renee was amazing! I was working on a big career transition; healthcare to the corporate world and was feeling lost. She helped me identify my career goals, translate my experience into a new resume, and taught me how to communicate my skills for the job I wanted. She was patient and supportive and had lots of great tips and knowledge! I was able to successfully secure a new job in the field I wanted. I highly recommend Renee's services!
Associates Consulting Group
Keiko K.
I’m very happy about Frankel Financial Services since his knowledgeable and caring nature has helped me to receive the maximum amount of tax return in many years. Besides, he always replies back to me whenever I have questions in a timely manner. I highly recommend it.
Frankel Financial Services
Marsha F.
Mr Sirrine meets with me quarterly and helps me understand the details of my account.
Colwyn Investments
JC
Ray is trustworthy and reliable. A pleasure work with.
Ray Prospero Fiduciary Financial Advisor - AdvicePeriod
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Merced financial advisors by service