Personal Financial Advisors Salary
The median pay for a personal financial advisors in St. Joseph, MO-KS is $74,400/year ($35.77/hour), per BLS data. The range runs from $65K at the entry level to $310K for experienced workers. Cost of living is below average (RPP 86.38), which stretches that salary to about $86,131 in buying power. Rent on a 2-bedroom averages $1,077/month, or 22% of estimated take-home pay.
So what does $74K get you in St. Joseph?
Groceries, utilities, transportation, and healthcare scaled from national averages by St. Joseph’s Regional Price Parity (86.38). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About personal financial advisors
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What this looks like in St. Joseph
Pay for personal financial advisors in St. Joseph runs about 29% below the U.S. median of $105K. Housing is manageable: a 2-bedroom at the HUD median costs $1,077/month, 22.3% of take-home, well inside the 30% guideline. Regional Price Parity sits at 86.38 (national = 100), meaning everyday costs run about 14% cheaper here. Your dollar stretches further than the headline salary suggests. Lower pay, lower costs, St. Joseph can be a reasonable trade-off for personal financial advisorss who value affordability over top-dollar markets.
Compared to nearby metros
Median pay for personal financial advisors in metros near St. Joseph, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Kansas City | $123K | $133K |
| St. Louis | $104K | $109K |
| Springfield | $75K | $85K |
| Columbia | $63K | $70K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, St. Joseph, MO-KS
Entry-level personal financial advisors (10th percentile) start around $65K. Mid-career wages sit at $74K. Top earners bring in $310K or more, a $245K spread from bottom to top.
Personal Financial Advisors pay across states
Median income ranked highest to lowest, compared to the national figure
View Personal Financial Advisors salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| New York | $166K | +58% | 21,550 |
| New Jersey | $159K | +51% | 9,300 |
| California | $130K | +24% | 32,200 |
| Connecticut | $130K | +23% | N/A |
| South Dakota | $129K | +23% | 620 |
| Massachusetts | $126K | +20% | N/A |
| Delaware | $125K | +19% | N/A |
| Oregon | $123K | +17% | 3,070 |
| Illinois | $120K | +14% | 9,760 |
| Wisconsin | $119K | +14% | 5,200 |
| Washington | $114K | +9% | 5,790 |
| Vermont | $110K | +5% | 520 |
| Pennsylvania | $105K | +0% | 12,200 |
| District of Columbia | $105K | -0% | 480 |
| Minnesota | $103K | -2% | 5,280 |
| Virginia | $103K | -2% | 6,340 |
| Kansas | $103K | -2% | 4,150 |
| Georgia | $101K | -3% | 6,830 |
| Florida | $101K | -4% | 21,490 |
| Missouri | $100K | -5% | 4,480 |
| Maryland | $100K | -5% | 5,260 |
| Texas | $99K | -6% | 18,200 |
| Montana | $97K | -7% | N/A |
| Arizona | $97K | -8% | 6,430 |
| North Carolina | $97K | -8% | 12,340 |
| New Hampshire | $97K | -8% | 1,850 |
| South Carolina | $96K | -8% | 2,400 |
| Idaho | $94K | -10% | 760 |
| New Mexico | $94K | -10% | 610 |
| Nebraska | $93K | -11% | 2,210 |
| Nevada | $93K | -12% | 1,730 |
| Iowa | $92K | -12% | 1,920 |
| Ohio | $91K | -13% | 7,680 |
| Colorado | $89K | -15% | 6,730 |
| Indiana | $88K | -17% | 5,400 |
| Tennessee | $84K | -20% | 3,970 |
| Rhode Island | $80K | -24% | 1,130 |
| West Virginia | $80K | -24% | 670 |
| Arkansas | $79K | -24% | 1,320 |
| Alaska | $79K | -25% | N/A |
| Alabama | $78K | -26% | 2,540 |
| Michigan | $78K | -26% | 6,570 |
| Wyoming | $77K | -26% | 310 |
| Utah | $77K | -26% | 2,520 |
| North Dakota | $77K | -27% | 540 |
| Hawaii | $76K | -28% | 550 |
| Oklahoma | $69K | -35% | 1,140 |
| Kentucky | $67K | -36% | 2,040 |
| Mississippi | $63K | -40% | 790 |
Showing 1–10 of 49 states
BLS does not publish data for every state when sample sizes are too small
Track personal financial advisors salary changes
BLS updates this data quarterly. We'll email you when St. Joseph numbers change.
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Frequently asked questions
Can a personal financial advisor afford a 2BR apartment alone in St. Joseph?
Yes — at the median salary of $74K, rent takes 22.3% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,077/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for personal financial advisors in St. Joseph?
The 10th-percentile wage — what new personal financial advisors typically earn — is $65K/year. Take-home on that works out to about $3,900/month. At HUD’s $1,077/month FMR, rent would take 28% of that take-home — manageable on an entry-level income.
Is personal financial advisor a high-paying job in St. Joseph?
Local pay runs 29% below the national median — $74K here vs. $105K nationally. Cost of living is 14% below the national average, which narrows that gap in real purchasing power.
How does St. Joseph compare to the national average for personal financial advisors?
St. Joseph pays $74K median vs. the U.S. average of $105K — that’s -29%. After adjusting for local cost of living (RPP 86.38), the purchasing-power equivalent is $86K — below the national median.
How much do personal financial advisors make in St. Joseph, MO-KS?
The median is $74,400 a year, that works out to about $36 an hour. But the range is wide: entry-level workers start around $65,000, and experienced personal financial advisors can clear $310,290. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $74K enough to live in St. Joseph?
On that salary, you'd take home roughly $4,831/month after taxes. A 2-bedroom here rents for about $1,077/month, which eats 22.3% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a personal financial advisors salary go in St. Joseph?
St. Joseph has a Regional Price Parity of 86.38 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median personal financial advisors salary is worth about $86,131 in national-average purchasing power.
Where do personal financial advisors get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.