Financial Advisor Hourly Pay in St. Cloud, MN: $38.50 (2026)
Quick Answer:Hourly pay for a financial advisor working in St. Cloud, MN runs $38.50 at the median for 2026 — annualizing to $80,088 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 87.6, 12% below national), each hour of work buys what $43.93 nationally would. A 24-hour part-time schedule grosses $48,048 per year.
Official BLS data · View source
In St. Cloud, Minnesota, financial advisors earn a median hourly pay of $38.50, which is notably lower than the national median of $52.18. This discrepancy suggests that financial advisors here may find themselves facing different market dynamics compared to their peers elsewhere in the country. The hourly rate is especially relevant for those considering part-time work, such as three days a week, or per-diem arrangements. Financial advisors commonly operate in a variety of settings, from wirehouse branch offices to remote planning sessions, and their hourly compensation can fluctuate significantly. Entry-level positions may earn around $23.39 per hour, while experienced advisors can command hourly rates as high as $116.93. The data is sourced from 2025 BLS OEWS figures, projected to 2026, providing accurate insights into this occupation's earning potential in St. Cloud.
Financial Advisor Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $23.39 | $187.10 |
| Lower Range (P25) | $29.19 | $233.54 |
| Median (P50) | $38.50 | $308.00 |
| Upper Range (P75) | $60.14 | $481.13 |
| Top Earners (P90) | $116.93 | $935.40 |
Estimated Annual Income by Work Schedule in St. Cloud
Based on $38.50/hr median hourly rate · 2026 est.
At $38.50/hr, a financial advisor working full-time (40 hr/wk) in St. Cloud, MN can expect to earn approximately $80,080 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $46,200. With a cost-of-living index of 87.63 (below the national average), these earnings stretch further in St. Cloud.
Hourly Rate Calculator
Schedule Comparison in St. Cloud
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,540.00 | $6,673 | $80,080 |
| Part-Time (24 hrs) | $924.00 | $4,004 | $48,048 |
| Per Diem (16 hrs) | $616.00 | $2,669 | $32,032 |
Compare CFP, FA Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Financial Advisor (St. Cloud) | $38.50 |
| 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, MN earn a median of $80,088 per year (2026 est.), which is 26.21% lower than the national median of $108,537 and 5.90% below the Minnesota state average of $85,110.
Financial Advisor Hourly Pay vs. Cost of Living
Working 24h/week at $38.50/hr = $48,048/year (purchasing power: $54,829).
Working 40h/week (full-time) = $80,080/year (purchasing power: $91,382).
CoL index: 87.632 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$32.51/hr
2025 BLS Actual
$37.27/hr
2026 Current Est.
$38.50/hr
2019–2027 Growth
+22.3%
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 | $32.51/hr | Actual |
| 2020 | $41.32/hr | Actual |
| 2021 | $36.38/hr | Actual |
| 2022 | $38.75/hr | Actual |
| 2023 | $48.03/hr | Actual |
| 2024 | $44.21/hr | Actual |
| 2025 | $37.27/hr | Actual |
| 2026(current) | $38.50/hr | Estimated |
| 2027 | $39.77/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for financial advisors in St. Cloud grew 14.6% from $32.51/hr (2019) to $37.27/hr (2025). At a 3.30% projected growth rate, hourly pay is expected to reach $39.77/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
Exploring the financial landscape of part-time advisors reveals intriguing earning patterns. Those working full-time might earn substantially, but a part-time advisor working 24 hours weekly could expect a more modest income that aligns with a $38.50 hourly rate. Depending on their expertise, experienced fiduciaries often charge per-project fees ranging from $3,000 to $15,000 for comprehensive plans, or ongoing retainer agreements for business consulting that can reach $25,000. The type of employer significantly influences hourly rates, as wirehouses typically offer a different pay structure compared to independent broker-dealers or fee-only Registered Investment Advisors. Advisors in St. Cloud might weigh the trade-off between the financial stability offered by traditional employment models, which come with benefits, versus the potentially higher hourly pay available through independent practice. Local advisors can negotiate their rates effectively by emphasizing their credentials and the unique value they provide, especially in a market with both established institutions and emerging trendsetters in wealth management.
More salary data for St. Cloud, MN:
Frequently Asked Questions
What is the hourly rate for financial advisors in St. Cloud in 2026?
How much do part-time financial advisors make in St. Cloud?
Are financial advisors in St. Cloud paid hourly or salary?
How much does a full-time financial advisor make per year in St. Cloud?
Do financial advisors earn more per hour working part-time in St. Cloud?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Minnesota
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
Source: BLS, OEWS, 7-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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