Financial Advisor Hourly Pay in Germantown, TN: $37.15 (2026)
Quick Answer:Hourly pay for a financial advisor working in Germantown, TN runs $37.15 at the median for 2026 — annualizing to $77,266 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 91.8, 8% below national), each hour of work buys what $40.46 nationally would. A 24-hour part-time schedule grosses $46,359 per year.
Based on BLS state-level estimates · View source
In 2026, the financial advisor hourly pay in Germantown, Tennessee, is projected to be $37.15, significantly below the national average of $52.18. This disparity suggests that financial advisors in Germantown may face challenges in earning competitive rates compared to their peers across the country. The hourly compensation reflects various work arrangements, including part-time or per-diem positions that are common in settings such as wirehouse branch offices or remote planning sessions. Entry-level advisors can expect to earn around $21.55, while top-tier professionals may command up to $57.58, indicating a potential for growth and variety in the financial advising field based on experience and specialization. Given the approximate employment count of eight advisors in the area, the local market dynamics could influence hourly rates significantly based on demand and advisor reputation.
About the Germantown Market
Salary estimated from Tennessee average ($92,000) adjusted for local cost of living.
Financial Advisor Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $21.55 | $172.39 |
| Lower Range (P25) | $27.11 | $216.85 |
| Median (P50) | $37.15 | $297.17 |
| Upper Range (P75) | $47.55 | $380.39 |
| Top Earners (P90) | $57.58 | $460.64 |
Estimated Annual Income by Work Schedule in Germantown
Based on $37.15/hr median hourly rate · 2026 est.
At $37.15/hr, a financial advisor working full-time (40 hr/wk) in Germantown, TN can expect to earn approximately $77,265 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $44,576. With a cost-of-living index of 91.80 (below the national average), these earnings stretch further in Germantown.
Hourly Rate Calculator
Schedule Comparison in Germantown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,485.87 | $6,439 | $77,265 |
| Part-Time (24 hrs) | $891.52 | $3,863 | $46,359 |
| Per Diem (16 hrs) | $594.35 | $2,576 | $30,906 |
Compare CFP, FA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Financial Advisor (Germantown) | $37.15 |
| 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, TN earn a median of $77,266 per year (2026 est.), which is 28.81% lower than the national median of $108,537 and 2.70% below the Tennessee state average of $79,410.
Financial Advisor Hourly Pay vs. Cost of Living
Working 24h/week at $37.15/hr = $46,359/year (purchasing power: $50,500).
Working 40h/week (full-time) = $77,265/year (purchasing power: $84,167).
CoL index: 91.8 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$30.07/hr
2025 BLS Actual
$35.96/hr
2026 Current Est.
$37.15/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 | $30.07/hr | Actual |
| 2020 | $30.57/hr | Actual |
| 2021 | $32.23/hr | Actual |
| 2022 | $32.65/hr | Actual |
| 2023 | $34.08/hr | Actual |
| 2024 | $39.52/hr | Actual |
| 2025 | $35.96/hr | Actual |
| 2026(current) | $37.15/hr | Estimated |
| 2027 | $38.37/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 $30.07/hr (2019) to $35.96/hr (2025). At a 3.30% projected growth rate, hourly pay is expected to reach $38.37/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
The potential for part-time financial advisors in Germantown can be lucrative, particularly for those working three days a week, totaling about 24 hours. This setup allows for an annual income of approximately $46,154, which can be appealing for individuals seeking a flexible schedule, especially compared to full-time earnings. Per diem financial advisor pay in Germantown may not be widely common among junior advisors; however, seasoned fiduciaries often charge considerably for project-based solutions, ranging from $3,000 to $15,000 for comprehensive financial plans. Various employer types in the area considerably impact hourly wages; wirehouses may offer structured base pay while independent broker-dealers and RIAs might provide a more flexible pay structure that rewards performance. Negotiating hourly rates often requires an understanding of the benefits trade-off, as advisors might receive lower pay in exchange for health insurance and other perks. Practical negotiation strategies, such as leveraging client referrals or showcasing specialized skills in retirement planning, can aid in securing a favorable financial advisor hourly rate in TN.
More salary data for Germantown, TN:
Frequently Asked Questions
What is the hourly rate for financial advisors in Germantown in 2026?
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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