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Best financial advisors of 2024 for help investing, planning and more

Our picks of the best financial advisor firms for advice, investment management and comprehensive financial planning.

Choosing the right financial advisor is crucial for growing your wealth, preparing for retirement or navigating complex financial topics like tax and estate planning. The quality of advice and strategies can significantly impact your financial outcomes.

We evaluate more than 10 popular online financial advisors to help those seeking professional financial guidance find the best option for their needs. These needs include planning for retirement, managing investments, handling debt or navigating major life events. We examine costs, account minimums, advisor credentials, services offered and more, focusing only on services that provide human financial advice.

Discover which financial advisors are best suited to your financial needs.

Our top picks for financial advisors

Personalized financial plans

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Terms apply.
Financial planning, advice and portfolio management
  • Personalized financial plans
  • Unlimited video or phone check-ins with a fiduciary advisor
  • Get matched to expert-built portfolios

Customized financial strategies

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Financial planning, advice and portfolio management
  • Unlimited financial advice and retirement planning help
  • Personalized, professionally managed stock and ETF portfolios
  • Track all your financial accounts in one place

Promoted for personalized advice

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Ongoing advice and portfolio management
  • Automated investment management with human advisor support
  • All-index, active/index mix and ESG investment options
  • Taxable accounts and IRAs available

Best online financial advisors of 2024

Why trust Finder

  • 10+ financial advisors reviewed and rated by our team of experts
  • Evaluated under our unbiased rating system covering six categories
  • 20+ years of combined experience covering financial topics

We're big on editorial independence. That means our content, reviews and ratings are fair, accurate and trustworthy. We don't let advertisers or partners sway our opinions. Our financial experts put in the hard work, spending hours researching and analyzing hundreds of products based on data-driven methodologies to find the best accounts and providers for you. Explore our editorial guidelines to see how we work.

Best overall

Facet Financial Planning

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Why it's the best overall: For its competitively priced flat-fee membership, which includes comprehensive financial planning and investment management from a dedicated certified financial planner (CFP).

Facet's flat-fee model ranges from $2,000 to $6,000 per year, with its highest plan offering a dedicated CFP, eight virtual sessions over two years and unlimited messaging access. Its personalized planning covers all financial topics, including cash flow, debt management, retirement planning, company stock plan guidance and more. Investment management is included at no extra cost, featuring tax-loss harvesting, low-cost exchange-traded fund (ETF) portfolio management and guidance on external accounts. Facet's competitively priced, comprehensive services make it our top choice for the best flat fee and best overall fiduciary financial advisor.

Best financial advisor marketplace

Zoe Financial

Why it's the best financial advisor marketplace: For seamlessly connecting individuals to vetted financial advisors.

Zoe Financial streamlines access to top-tier, personalized financial advice by matching clients with pre-screened, fee-only fiduciary advisors. All advisors are accredited, holding certifications such as CFP, certified financial analyst (CFA) or certified public accountant (CPA), and have no broker-dealer affiliations, ensuring they earn no commissions on recommended products. Zoe Financial also charges no fees to individuals using its platform to connect with advisors. Many advisors offer comprehensive services, from financial planning to investment management, often with no minimum investment requirements.

Best flat-fee financial advisor (in the category)

Domain Money

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Why it's the best flat-fee financial advisor: For its transparent, flat-fee pricing and comprehensive financial planning services.

While Facet is our top choice for best overall and best flat-fee financial advisor, Domain Money is an excellent alternative, offering comprehensive financial planning services with transparent, predictable pricing. Its three plans, ranging from $2,500 to $7,500, cater to various needs: a one-page plan to organize your current finances, a strategic plan to address up to three focus areas or a comprehensive plan with a six-month engagement covering all financial aspects. Each plan includes unlimited email access with a dedicated CFP advisor.

Best for high-net-worth women and families

Ellevest

3.8
★★★★★

Finder score

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Why it's the best for high-net-worth women and families: For its tailored, women-first financial planning and advice.

Ellevest stands as a pioneer in women-first investing and financial planning. Its Private Wealth Management service is finely tuned to address the distinct financial challenges and aspirations of women, offering tailor-made investment strategies and financial planning aligned with these needs. Ellevest's suite of services encompasses impact investing, emphasizing companies that champion women's advancement, alongside comprehensive wealth management spanning retirement planning to estate management. With a team of seasoned advisors dedicated to empowering women financially, Ellevest is our top choice for high-net-worth women and families seeking personalized financial guidance and support.

Best for in-person financial advice

Harness Wealth

Why it's the best for in-person financial advice: For its marketplace that includes financial advisors with face-to-face meeting options.

While Harness Wealth is our runner-up in the best financial advisor marketplace category, it's the sole online platform we evaluated offering in-person meetings. Its network comprises pre-vetted independent, fee-only advisors, and it's free to use. Harness Wealth provides tailored advisory services, encompassing comprehensive financial planning, tax preparation, estate planning and holistic wealth management, often with no minimum investment requirements. This unique blend of accessibility, personalized service and a diverse network of experts positions Harness Wealth as an attractive option for individuals seeking comprehensive financial guidance.

Best for crypto investing advice

Betterment Premium

Why it's the best financial advisor for crypto investing advice: For its tailored strategies and expert guidance on crypto, general investing, tax strategies, retirement savings and more.

Betterment Premium offers a range of financial services backed by unlimited, on-demand support from experienced CFP professionals. Its advice service includes personalized investment management and holistic financial planning covering areas such as debt management, savings strategies, retirement planning and guidance on emerging sectors like crypto investments. Clients also receive assistance in creating a consolidated financial plan encompassing assets beyond Betterment, as well as support in managing both crypto and traditional investments.

Best for low fees

Vanguard Personal Advisor Select

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Why it's the best financial advisor for low fees: For its competitive 0.3% annual advisory fee and low-cost investment options.

Vanguard provides personalized financial advice at a fraction of the cost typically associated with traditional advisors. Among the advisors we analyzed, Vanguard offers the lowest annual advisory fee at just 0.3% of assets under management (AUM). Additionally, their low-cost ETFs and mutual funds further reduce investment expenses. Clients benefit from ongoing advice from a dedicated advisor, automated tax-loss harvesting and a cost-effective approach to managing and growing their investments.

Paid non-client promotion. Finder does not invest money with providers on this page. If a brand is a referral partner, we're paid when you click or tap through to, open an account with or provide your contact information to the provider. Partnerships are not a recommendation for you to invest with any one company. Learn more about how we make money.

Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.

Our methodology: How we choose the best financial advisors

Finder’s investments experts review more than 10 online financial advisors available on the market to narrow down the best for people looking for advice, investment management and comprehensive financial planning.

We analyze each platform based on 41 key metrics we collect directly from brokers and assess each provider’s performance based on six different categories, weighing each metric based on the expertise and insights of Finder’s investment experts. We then score and rank each provider depending on its performance in each category.

How we weigh the overall rating

CategoryWeighting
Advisor access and credentials20%
Services offered20%
Investment strategies15%
Costs and fees20%
Account minimum20%
Customer support5%

We update our best picks as products change, disappear or emerge in the market. We also regularly review and revise our selections to ensure our best provider lists reflect the most competitive available.

What to look for when choosing the best financial advisor

Finder’s picks for the best financial advisors are meant to provide a starting point for finding the right option for your financial needs and goals. That said, it’s important to consider your personal preferences too.

When choosing the best financial advisor, consider the following factors:

  • Credentials and experience. Look for advisors with CFP, CFA or CPA designations, and ensure they have experience relevant to your financial needs. The CFP designation is widely regarded as the gold standard in the financial planning industry. These individuals are held to a strict code of ethics and must act as fiduciaries, meaning they are legally obligated to act in their clients’ best interests.
  • Fee structure. Understand how the advisor charges for their services. Common structures include flat fees, hourly rates or a percentage of AUM. Choose one that aligns with your budget and preferences.
  • Fiduciary duty. Ensure the advisor is a fiduciary, meaning they are legally obligated to act in your best interest.
  • Services offered. Financial advisory services can include investment management, retirement planning, tax advice, estate planning and debt management. Some financial advisors offer basic financial advice, while others provide comprehensive financial planning services for all aspects of your life.
  • Investment philosophy. Make sure the advisor’s investment approach aligns with your risk tolerance, time horizon and financial goals.
  • Communication and availability. Consider how often you want to meet with your advisor and their availability for ongoing support and questions. Many advisors offer unlimited communication through email or phone and limited virtual or in-person sessions.
  • Reputation and reviews. Check reviews, testimonials and references from current or past clients. Research any disciplinary actions or complaints using BrokerCheck by the Financial Industry Regulatory Authority (FINRA).
  • Technology and tools. Evaluate the technology and tools the advisor uses for portfolio management, financial planning and communication. Not all financial advisors offer a mobile app.
  • Transparency. Look for advisors who are transparent about their fees, services and potential conflicts of interest.
  • Personal rapport. Importantly, choose an advisor you feel comfortable with and can trust, as a strong working relationship is crucial for long-term financial planning. Many advisors offer a free initial consultation.

Frequently asked questions

Is it worth paying for a financial advisor?

Yes, paying for a financial advisor is worth it if you need personalized financial planning, investment management and expert advice to achieve your financial goals.

What is the best type of financial advisor to have?

A fiduciary financial advisor with CFP designation is best, ensuring personalized, ethical and comprehensive financial planning tailored to your specific needs.

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Written by

Matt Miczulski

Matt Miczulski is an investments editor at Finder. With over 450 bylines, Matt dissects and reviews brokers and investing platforms to expose perks and pain points, explores investment products and concepts and covers market news, making investing more accessible and helping readers to make informed financial decisions. Before joining Finder in 2021, Matt covered everything from finance news and banking to debt and travel for FinanceBuzz. His expertise and analysis on investing and other financial topics has been featured on CBS, MSN, Best Company and Consolidated Credit, among others. Matt holds a BA in history from William Paterson University. See full profile

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