Phoenix Financial Advisors Directory

Top Financial Advisors in Phoenix, AZ

TL;DR

Best financial advisors in Phoenix, AZ ranked by AI visibility and verified reviews. 2.5% flat rate — lowest in US among income-tax states.

We evaluated 98 financial advisors serving Phoenix and ranked the top 8 by TrustRank — our composite score of AI search visibility, verified client reviews, and credentials.

Phoenix's financial advisory market serves a Arizona client base where Osaic Wealth ($200B AUM) and United Planners ($10.64B AUM) both Scottsdale-based.

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Updated Q1 2026
By Tania Kozar
98 reviewed, 8 selected
50 prompts tracked
Phoenix Market Overview

Financial Advisors in Phoenix

Phoenix has a competitive financial advisory market serving high-net-worth individuals, families, and business owners. Osaic Wealth ($200B AUM) and United Planners ($10.64B AUM) both Scottsdale-based. The state tax rate of 2.5% flat — tied for lowest in US shapes planning strategies, with advisors focusing on tax-efficient asset location, estate planning, and retirement income optimization. Typical minimum investable assets range from $250K+ depending on the firm tier.

2,500+
Registered advisors in state
$250K+
Typical minimum investable assets
2.5% flat — tied for lowest in US
AZ income tax rate
1.0%
Typical annual advisory fee on AUM

Primary professional associations include ACG Arizona Chapter and CFA Society Phoenix. Arizona financial advisors are regulated by the Arizona Corporation Commission Securities Division.

ACG Arizona ChapterCFA Society PhoenixNAIFA Arizona; Greater Phoenix Chamber Finance Council

How TrustRank Works

Our independent scoring system for financial advisors in Phoenix

TrustRank is not a paid placement. We independently evaluated 98 financial advisors serving Phoenix across three measurable dimensions. No firm can pay to appear or improve its rank.

Component 1 — 55%

AI Visibility Score

We tracked 50 prompts across ChatGPT, Perplexity, Google AI Overviews, and Claude asking about financial advisors in Phoenix. The % of prompts where each firm appears.

Component 2 — 25%

Review Score

Aggregate ratings across Google, Clutch, and the ProCloser.ai verified review system. Weighted by volume and recency of verified client reviews.

Component 3 — 20%

Content Authority

Depth, accuracy, and credibility of published content, case studies, and thought leadership demonstrating sector expertise in Phoenix.

Top 8 Financial Advisors in Phoenix, AZ

1
Edelman Financial Engines
Serves Phoenix, AZ
89%
AI Visibility
★★★★★4.5
Fee-Only Est. 1986 Min: $250K AUM

America's largest independent RIA with a strong Phoenix presence, offering comprehensive financial planning and investment management to households at every wealth level.

Appears for Prompts
best financial advisor Phoenixfee-only advisor Phoenixretirement planning Phoenix
Retirement PlanningInvestment MgmtTax Planning
2
Creative Planning
Serves Phoenix, AZ
86%
AI Visibility
★★★★★4.7
Fee-Only Est. 1983 Min: $500K AUM

Top-ranked national RIA with Phoenix advisors offering holistic wealth management including tax, legal, and investment services under one roof.

Appears for Prompts
holistic wealth management PhoenixCreative Planning Phoenixfinancial planning Phoenix
Wealth ManagementTax PlanningEstate Planning
3
Fisher Investments
Serves Phoenix, AZ
83%
AI Visibility
★★★★★3.8
Fee-Only Est. 1979 Min: $500K AUM

Large independent investment counselor with Phoenix representation, managing equity portfolios for high-net-worth individuals using a top-down macro investment approach.

Appears for Prompts
Fisher Investments Phoenixequity portfolio manager Phoenixinvestment counselor Phoenix
Portfolio ManagementHNW ClientsEquity Investing
4
Merrill Lynch Wealth Management
Serves Phoenix, AZ
79%
AI Visibility
★★★★★4
Fee-Based Est. 1914 Min: $250K AUM

Full-service wealth management firm with multiple Phoenix offices, offering investment advisory, banking, and estate planning to a broad range of clients.

Appears for Prompts
Merrill Lynch Phoenixwealth management Phoenixfull service financial advisor Phoenix
Full-ServiceBanking IntegrationEstate Planning
5
Northwestern Mutual Wealth Management
Serves Phoenix, AZ
75%
AI Visibility
★★★★★4.2
Fee-Based Est. 1857 Min: $100K AUM

Integrated financial planning firm with a large Phoenix advisor network, combining insurance, investment, and retirement planning services.

Appears for Prompts
Northwestern Mutual Phoenixfinancial planner Phoenixinsurance advisor Phoenix
InsuranceRetirementInvestment Planning
6
Edward Jones
Serves Phoenix, AZ
72%
AI Visibility
★★★★★4.1
Fee-Based Est. 1922 Min: $50K AUM

Nationwide brokerage with dozens of Phoenix offices, offering personalized investment advice to individual investors and small business owners through a local advisor model.

Appears for Prompts
Edward Jones Phoenixlocal financial advisor Phoenixsmall business advisor Phoenix
Individual InvestorsRetirementSmall Business
7
Fidelity Wealth Services
Serves Phoenix, AZ
68%
AI Visibility
★★★★★4.4
Fee-Only Est. 1946 Min: $250K AUM

Dedicated wealth management arm of Fidelity Investments serving Phoenix clients with comprehensive planning, digital tools, and low-cost investment management.

Appears for Prompts
Fidelity wealth advisor Phoenixlow cost financial advisor PhoenixFidelity Phoenix
Digital ToolsLow-Cost InvestingRetirement
8
Vanguard Personal Advisor Services
Serves Phoenix, AZ
65%
AI Visibility
★★★★★4.6
Fee-Only Est. 1975 Min: $50K AUM

Digital-forward advisory service from Vanguard, pairing Phoenix clients with CFP professionals for financial planning at an industry-leading 0.3% advisory fee.

Appears for Prompts
Vanguard advisor Phoenixlow fee financial advisor PhoenixCFP Phoenix
Low FeesCFP AccessDigital Planning

Financial Advisors Market Overview — Phoenix, AZ

Phoenix is the fastest-growing major city in the US and the top destination for California retirees and remote workers seeking lower taxes and cost of living. Arizona's 2.5% flat income tax (enacted 2023, the lowest of any state with an income tax) has made Phoenix an attractive destination for high earners, creating a surge in advisor demand.

Market Indicator Data Point
Registered RIAs390+
State Income Tax2.5% flat
Retiree Households38% of HNW market
Annual Population Growth+2.1%

Regulatory & Licensing Environment

Arizona RIAs under $100M AUM register with the Arizona Corporation Commission, Securities Division. Arizona enacted a flat 2.5% income tax effective 2023, repealing the prior graduated rate structure. Arizona does not impose an estate tax or inheritance tax. Check registration at azcc.gov.

Financial Advisors Fees in Phoenix, AZ

Fee Type Typical Range
AUM Fee (typical)0.75–1.20%
Flat Annual Retainer$3,000–$7,500
Hourly Consulting$225–$375/hr
Retirement Income Planning$2,500–$5,000 project

Phoenix's large retiree population means retirement income planning (Social Security optimization, Medicare coordination, RMD strategies) is the dominant service offering — advisors frequently price this as a standalone engagement.

How to Choose a Financial Advisors in Phoenix, AZ

  • Snowbird planning expertise: Many Phoenix clients maintain homes in both Arizona and another state. Ask advisors whether they understand part-year residency rules, the tax implications of maintaining a California driver's license while claiming Arizona domicile, and how to document residency for state tax purposes.
  • Arizona's flat 2.5% tax: With one of the lowest state income tax rates in the US, Phoenix advisors can deploy Roth conversion strategies with minimal state tax drag. Ask advisors whether they're actively running Roth conversion projections given the low state rate.
  • Medicare and RMD planning: Phoenix's large retirement-age population makes Medicare IRMAA surcharge management and Required Minimum Distribution strategies common advisor specialties. Verify your advisor's fluency with Social Security delay optimization and Medicare Part B/D IRMAA brackets.

Frequently Asked Questions

Common questions about choosing financial advisors in Phoenix, AZ.

What is Arizona's new flat income tax rate and how does it benefit Phoenix residents?+−
Arizona implemented a 2.5% flat income tax effective January 1, 2023, replacing the prior graduated system with rates up to 4.5%. This makes Arizona the state with the lowest income tax rate among states that have an income tax, and one of the most tax-favorable for high earners after Nevada, Texas, and Florida (which have no income tax).
How do California retirees establish Arizona domicile after moving to Phoenix?+−
Arizona domicile requires filing an Arizona resident return, changing driver's license and voter registration, and spending the majority of the year in Arizona. California's FTB will audit domicile changes aggressively — Phoenix advisors document the change with phone records, credit card statements, and affidavits of intent. A full year's documentation is typically required before California stops asserting tax claims.
Are there Phoenix advisors who specialize in Medicare and retirement income planning?+−
Yes — Phoenix's large retiree population (nearly 40% of HNW clients are retired) has produced a strong concentration of advisors specializing in Medicare supplement vs. Medicare Advantage selection, Social Security delay analysis, IRMAA surcharge mitigation, and RMD-to-Roth conversion strategies.
Does Arizona tax Social Security benefits?+−
No — Arizona does not tax Social Security retirement benefits. Combined with Arizona's 2.5% flat income tax on other retirement income and the federal Social Security exclusion formulas, many Phoenix retirees pay very little in income tax.
What is the financial impact of Phoenix's property tax system compared to California?+−
Arizona's effective property tax rate (~0.5–0.7% for residential properties) is significantly lower than California's (0.7–1.5% in most counties despite Prop 13). However, Phoenix's rising real estate prices mean absolute property tax bills are increasing. Advisors model property tax trajectories in retirement cash flow projections for clients deciding between retirement in California vs. Arizona.

Reviewed by: Tania Kozar, CFP® — ProCloser.ai Research  |  Last Updated: April 2026  |  Sources: SEC IAPD, FINRA BrokerCheck, state regulatory filings, ProCloser.ai primary research.

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