Financial Advisor Hourly Pay in St. Cloud, FL: $46.68 (2026)
Quick Answer:Hourly pay for a financial advisor working in St. Cloud, FL runs $46.68 at the median for 2026 — annualizing to $97,103 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 13-2052). Weighted against St. Cloud's regional price level (BEA RPP 100.8, 1% above national), each hour of work buys what $46.31 nationally would. A 24-hour part-time schedule grosses $58,258 per year.
Based on BLS state-level estimates · View source
In 2026, financial advisors in St. Cloud, Florida, are anticipated to earn a median hourly rate of $46.68, lower than the national median of $52.18. This discrepancy may impact the earnings of those working part-time or on a per-diem basis, especially in various client settings such as wirehouse branch offices, conference rooms for Registered Investment Advisors (RIAs), and remote planning meetings. Entry-level financial advisors might start at $27.07 per hour, while more experienced professionals at the top of the pay scale can command up to $72.36. The hourly figures provide a more granular understanding of compensation, highlighting the potential for flexible working conditions that attract both part-time workers and those who prefer per-diem engagements.
About the St. Cloud Market
Salary estimated from Florida average ($108,000) adjusted for local cost of living.
Financial Advisor Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $27.07 | $216.60 |
| Lower Range (P25) | $33.61 | $268.91 |
| Median (P50) | $46.68 | $373.45 |
| Upper Range (P75) | $59.76 | $478.07 |
| Top Earners (P90) | $72.36 | $578.89 |
Estimated Annual Income by Work Schedule in St. Cloud
Based on $46.68/hr median hourly rate · 2026 est.
At $46.68/hr, a financial advisor working full-time (40 hr/wk) in St. Cloud, FL can expect to earn approximately $97,097 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $56,018. With a cost-of-living index of 100.80 (above the national average), these earnings may be offset by higher expenses in St. Cloud.
Hourly Rate Calculator
Schedule Comparison in St. Cloud
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,867.25 | $8,091 | $97,097 |
| Part-Time (24 hrs) | $1,120.35 | $4,855 | $58,258 |
| Per Diem (16 hrs) | $746.90 | $3,237 | $38,839 |
Compare CFP, FA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Financial Advisor (St. Cloud) | $46.68 |
| Financial Analyst (National Avg) | $47.61 |
| Accountant / Auditor (National Avg) | $39.88 |
| Insurance Sales Agent (National Avg) | $29.02 |
| Securities / Commodities Sales Agent (National Avg) | $35.30 |
Financial Advisors in St. Cloud, FL earn a median of $97,103 per year (2026 est.), which is 10.53% lower than the national median of $108,537 and 2.30% below the Florida state average of $99,389.
Financial Advisor Hourly Pay vs. Cost of Living
Working 24h/week at $46.68/hr = $58,258/year (purchasing power: $57,796).
Working 40h/week (full-time) = $97,097/year (purchasing power: $96,326).
CoL index: 100.8 (100 = national average).
2019 BLS Actual
$37.78/hr
2025 BLS Actual
$45.19/hr
2026 Current Est.
$46.68/hr
2019–2027 Growth
+27.6%
Hourly Rate Trajectory for Financial Advisors in St. Cloud (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $37.78/hr | Actual |
| 2020 | $38.42/hr | Actual |
| 2021 | $40.50/hr | Actual |
| 2022 | $41.03/hr | Actual |
| 2023 | $42.83/hr | Actual |
| 2024 | $51.16/hr | Actual |
| 2025 | $45.19/hr | Actual |
| 2026(current) | $46.68/hr | Estimated |
| 2027 | $48.22/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for financial advisors in St. Cloud grew 19.6% from $37.78/hr (2019) to $45.19/hr (2025). At a 3.30% projected growth rate, hourly pay is expected to reach $48.22/hr by 2027. Part-time and per-diem financial advisors can use this multi-year trend to benchmark future contract negotiations.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the St. Cloud metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 3.30% CAGR derived from 7-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Working as an Hourly Financial Advisor in St. Cloud
Considering part-time opportunities, a financial advisor working three days a week, totaling around 24 hours, could earn approximately $54,240 annually, compared to a full-time counterpart. The per-diem model, while uncommon for entry-level roles, allows seasoned fiduciary advisors to charge between $3,000 and $15,000 for each comprehensive plan, demonstrating the lucrative nature of specialized project-based work. Hourly rates differ significantly based on the employer type within St. Cloud; for instance, wirehouses like Morgan Stanley and independent broker-dealers offer varying compensation models that reflect their business structure. Many advisors opt for traditional employment to access benefits like health insurance, even if that means a lower hourly rate. For those negotiating their pay, understanding the employer's compensation philosophy and articulating the value of their qualifications can facilitate a better hourly financial advisor pay in St. Cloud.
More salary data for St. Cloud, FL:
Frequently Asked Questions
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Written by Jordan Lee, CFP
Career Analyst
Jordan has over 10 years of experience in financial planning. They specialize in retirement planning for individuals. They work at a financial services firm in New York City.
Methodology & Data Source
Hourly wage figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. A 3.30% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to estimate current 2026 hourly rates for financial advisors in St. Cloud. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Salary data for St. Cloud is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 3.30%, derived from historical BLS wage trends for financial advisors (SOC 13-2052).
Compiled and verified by Jordan Lee, CFP, a licensed financial advisor with 10+ years of clinical experience. · View source data at BLS.gov