Financial Advisor Salary in Tracy, CA: $111,978 (2026)
Quick Answer:A full-time financial advisor in Tracy, CA earns a median $111,978/year (≈ $53.84/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in Tracy's price level (13% above national, BEA RPP 113.1), that paycheck buys what $99,008 would nationally. Nominal pay sits 2.8% below the California state average.
Based on BLS state-level estimates · View source
Earning a robust median annual salary of $111,978 in 2026, financial advisors in Tracy, California, outperform their national counterparts, who are projected to earn a median of $108,537. The local salary range extends from $64,948 at the 10th percentile to $173,567 at the 90th percentile, highlighting the diverse earning potential within the profession. These estimates, based on 2025 BLS state-level data and regional price parity adjustments, reflect the growing impact of the fiduciary fee-only model and the premium associated with the CFP credential. As the job market continues to evolve, those seeking employment as financial advisors in Tracy should be well-versed in these emerging trends to maximize their earning potential.
About the Tracy Market
Salary estimated from California average ($140,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $64,948 | $31.23 |
| Lower Range (P25) | $80,625 | $38.76 |
| Median (P50)(typical) | $111,978 | $53.84 |
| Upper Range (P75) | $143,332 | $68.91 |
| Top Earners (P90) | $173,567 | $83.45 |
Median Salary Position
3.17% above the national average
2026 Salary Percentile Distribution in Tracy
In Tracy, CA, the financial advisor salary spread from the 10th to 90th percentile is $108,619 (2026 est.). At $111,978, the local median is 3.17% above the national median of $108,537.
Salary Calculator
At 40 hours/week in Tracy: You'd be in the lower-middle range
How Tracy Financial Advisor Pay Compares
Tracy median: $111,978/year (2026)
| Compared To | Median Salary | Tracy Pays |
|---|---|---|
| California Average | $115,204 | -2.80% less |
| National Average | $108,537 | +3.17% more |
Financial Advisors in Tracy, CA earn a median of $111,978 per year (2026 est.), which is 3.17% higher than the national median of $108,537 and 2.80% below the California state average of $115,204.
Cost-of-Living Adjusted Salary
Tracy has a cost of living 13.10% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Tracy, CA has a cost-of-living index of 113.1 (above the national average of 100). While the nominal salary of $111,978 is competitive, the higher cost of living reduces purchasing power to an effective $99,008 — a 11.58% reduction.
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2019 BLS Actual
$90,635
2025 BLS Actual
$108,401
2026 Current Est.
$111,978
2019–2027 Growth
+27.6%
Salary Trajectory for Financial Advisors in Tracy (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $90,635 | Actual |
| 2020 | $92,162 | Actual |
| 2021 | $97,155 | Actual |
| 2022 | $98,414 | Actual |
| 2023 | $102,737 | Actual |
| 2024 | $153,828 | Actual |
| 2025 | $108,401 | Actual |
| 2026(current) | $111,978 | Estimated |
| 2027 | $115,674 | Projected |
Based on 7 years of BLS OEWS data for the Tracy metropolitan area, the median financial advisor salary grew 19.6% from $90,635 (2019) to $108,401 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $115,674 by 2027 — a total increase of $25,039 (27.63%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Tracy 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $64,948 – $80,625 |
| 3-5 years (Mid Career) | $80,625 – $111,978 |
| 5+ years (Experienced) | $111,978 – $143,332 |
| 10+ years (Top Earner) | $143,332 – $173,567 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in Tracy
In Tracy, there are currently 14 financial advisors operating in a market that reveals both opportunity and challenges. With a cost of living index of 113.1, the expense of living in Tracy is above the national average, which can affect take-home pay and overall purchasing power. Employers such as Morgan Stanley and Wells Fargo Advisors generally offer competitive pay, but Registered Investment Advisors (RIAs) that implement fee-only models also present lucrative opportunities, especially for those with a strong AUM book size and CFP credentials. The variance in compensation can often be attributed to factors such as the advisor's business model, client asset concentration, and potential equity stakes within RIAs. For optimal financial advisor pay in Tracy, focusing on high-net-worth clientele, establishing a strong asset management base, and considering the shift to fee-based structures can strategically position advisors for higher earnings in the evolving financial landscape.
More salary data for Tracy, CA:
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
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $108,401 for financial advisorsin the Tracy metropolitan area. A 3.30% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Tracy 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