Financial Advisor Salary in Pearl City, HI: $125,676 (2026)
Quick Answer:A full-time financial advisor in Pearl City, HI earns a median $125,676/year (≈ $60.42/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in Pearl City's price level (19% above national, BEA RPP 119.3), that paycheck buys what $105,345 would nationally. Nominal pay sits 2.9% below the Hawaii state average.
Based on BLS state-level estimates · View source
In 2026, financial advisors in Pearl City, Hawaii, can expect a median annual salary of $125,676, significantly above the national median of $108,537. With a salary range spanning from $72,892 at the 10th percentile to $194,798 at the 90th percentile, this local market reflects a robust demand for financial expertise. These figures, derived from 2025 BLS data and adjusted for Hawaii's unique cost-of-living dynamics, showcase how the transition to independent advisory roles can lead to substantial earnings over time. As financial advisors consider their compensation, being part of Pearl City’s evolving job market, which has seen changes in client needs and preferences, can greatly influence their potential success.
About the Pearl City Market
Salary estimated from Hawaii average ($108,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $72,892 | $35.04 |
| Lower Range (P25) | $90,487 | $43.50 |
| Median (P50)(typical) | $125,676 | $60.42 |
| Upper Range (P75) | $160,865 | $77.34 |
| Top Earners (P90) | $194,798 | $93.65 |
Median Salary Position
15.79% above the national average
2026 Salary Percentile Distribution in Pearl City
In Pearl City, HI, the financial advisor salary spread from the 10th to 90th percentile is $121,906 (2026 est.). At $125,676, the local median is 15.79% above the national median of $108,537.
Salary Calculator
At 40 hours/week in Pearl City: You'd be in the lower-middle range
How Pearl City Financial Advisor Pay Compares
Pearl City median: $125,676/year (2026)
| Compared To | Median Salary | Pearl City Pays |
|---|---|---|
| Hawaii Average | $129,429 | -2.90% less |
| National Average | $108,537 | +15.79% more |
Financial Advisors in Pearl City, HI earn a median of $125,676 per year (2026 est.), which is 15.79% higher than the national median of $108,537 and 2.90% below the Hawaii state average of $129,429.
Cost-of-Living Adjusted Salary
Pearl City has a cost of living 19.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Pearl City, HI has a cost-of-living index of 119.3 (above the national average of 100). While the nominal salary of $125,676 is competitive, the higher cost of living reduces purchasing power to an effective $105,345 — a 16.18% reduction.
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2019 BLS Actual
$101,722
2025 BLS Actual
$121,661
2026 Current Est.
$125,676
2019–2027 Growth
+27.6%
Salary Trajectory for Financial Advisors in Pearl City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $101,722 | Actual |
| 2020 | $103,436 | Actual |
| 2021 | $109,040 | Actual |
| 2022 | $110,452 | Actual |
| 2023 | $115,304 | Actual |
| 2024 | $125,054 | Actual |
| 2025 | $121,661 | Actual |
| 2026(current) | $125,676 | Estimated |
| 2027 | $129,823 | Projected |
Based on 7 years of BLS OEWS data for the Pearl City metropolitan area, the median financial advisor salary grew 19.6% from $101,722 (2019) to $121,661 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $129,823 by 2027 — a total increase of $28,101 (27.63%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Pearl City 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) | $72,892 – $90,487 |
| 3-5 years (Mid Career) | $90,487 – $125,676 |
| 5+ years (Experienced) | $125,676 – $160,865 |
| 10+ years (Top Earner) | $160,865 – $194,798 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in Pearl City
While only eight financial advisors are currently employed in Pearl City, the local job market remains competitive, particularly against the backdrop of a higher cost of living index at 119.3. This inflationary environment may impact the effective purchasing power of their income. Within the city, wirehouse firms such as Morgan Stanley and Merrill Lynch tend to offer some of the highest pay packages, although they traditionally adopt a commission-based model. In contrast, independent Registered Investment Advisors (RIAs) provide a fiduciary service model that could be more appealing to a growing clientele focused on transparent fee structures. Factors influencing the income disparity include assets under management, client profiles, and potential partnership opportunities at RIAs. Advisors aiming to optimize their compensation in Pearl City should consider obtaining a CFP credential, focusing on high-net-worth clients, and exploring fee-based structures to enhance their earnings potential.
More salary data for Pearl City, HI:
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 $121,661 for financial advisorsin the Pearl City 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 Pearl City 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