Financial Advisor Hourly Pay in Germantown, MD: $57.41 (2026)
Quick Answer:Hourly pay for a financial advisor working in Germantown, MD runs $57.41 at the median for 2026 — annualizing to $119,414 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 13-2052). Weighted against Germantown's regional price level (BEA RPP 109.3, 9% above national), each hour of work buys what $52.53 nationally would. A 24-hour part-time schedule grosses $71,653 per year.
Based on BLS state-level estimates · View source
In Germantown, Maryland, the projected median hourly pay for financial advisors is $57.41, which represents a significant advantage over the national median of $52.18. This elevated hourly rate opens various opportunities for part-time financial advisors, especially those seeking flexible work schedules across diverse settings, such as wirehouse branch offices, insurance agency offices, and client meetings held in either home or office environments. The hourly range for financial advisors in this region spans from $33.29 for entry-level positions to $88.98 for experienced professionals, making this an attractive field for both early-career individuals and seasoned advisors. These figures are derived from annual salary estimates, showcasing the financial potential associated with hourly work in the local market.
About the Germantown Market
Salary estimated from Maryland average ($125,000) adjusted for local cost of living.
Financial Advisor Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $33.29 | $266.35 |
| Lower Range (P25) | $41.33 | $330.64 |
| Median (P50) | $57.41 | $459.31 |
| Upper Range (P75) | $73.49 | $587.90 |
| Top Earners (P90) | $88.98 | $711.86 |
Estimated Annual Income by Work Schedule in Germantown
Based on $57.41/hr median hourly rate · 2026 est.
At $57.41/hr, a financial advisor working full-time (40 hr/wk) in Germantown, MD can expect to earn approximately $119,421 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $68,897. With a cost-of-living index of 109.30 (above the national average), these earnings may be offset by higher expenses in Germantown.
Hourly Rate Calculator
Schedule Comparison in Germantown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $2,296.57 | $9,952 | $119,421 |
| Part-Time (24 hrs) | $1,377.94 | $5,971 | $71,653 |
| Per Diem (16 hrs) | $918.63 | $3,981 | $47,769 |
Compare CFP, FA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Financial Advisor (Germantown) | $57.41 |
| 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 Germantown, MD earn a median of $119,414 per year (2026 est.), which is 10.02% higher than the national median of $108,537 and 0.70% above the Maryland state average of $118,584.
Financial Advisor Hourly Pay vs. Cost of Living
Working 24h/week at $57.41/hr = $71,653/year (purchasing power: $65,556).
Working 40h/week (full-time) = $119,421/year (purchasing power: $109,260).
CoL index: 109.3 (100 = national average).
2019 BLS Actual
$46.47/hr
2025 BLS Actual
$55.58/hr
2026 Current Est.
$57.41/hr
2019–2027 Growth
+27.6%
Hourly Rate Trajectory for Financial Advisors in Germantown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $46.47/hr | Actual |
| 2020 | $47.25/hr | Actual |
| 2021 | $49.81/hr | Actual |
| 2022 | $50.46/hr | Actual |
| 2023 | $52.68/hr | Actual |
| 2024 | $66.12/hr | Actual |
| 2025 | $55.58/hr | Actual |
| 2026(current) | $57.41/hr | Estimated |
| 2027 | $59.31/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for financial advisors in Germantown grew 19.6% from $46.47/hr (2019) to $55.58/hr (2025). At a 3.30% projected growth rate, hourly pay is expected to reach $59.31/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 Germantown 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 Germantown
Part-time financial advisors working a typical schedule of three days per week can expect to take home about $78,087 annually, distinctly lower than full-time counterparts yet still a viable income for many. The per-diem financial advisor pay in Germantown may vary significantly, particularly for those working in specialized or project-based roles. While junior advisors typically do not engage in per-diem work, experienced fiduciaries can charge fees ranging from $3,000 to $15,000 for comprehensive financial plans, depending on client needs. Variability in hourly rates also exists across different employer types in the area. Advisors in wirehouses might earn differently than their peers in RIAs or bank wealth management. Some choose to accept lower hourly rates for the benefits that come with larger institutions, while others prioritize flexibility and higher pay as solo practitioners. For those considering financial advisor roles in Germantown, negotiating effectively with potential employers can significantly impact overall compensation, particularly when discussing health benefits versus higher hourly earnings.
More salary data for Germantown, MD:
Frequently Asked Questions
What is the hourly rate for financial advisors in Germantown in 2026?
How much do part-time financial advisors make in Germantown?
Are financial advisors in Germantown paid hourly or salary?
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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 Germantown. 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 Germantown 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