Financial Advisor Salary in St. Cloud, MN: $80,088 (2026)
Quick Answer:A full-time financial advisor in St. Cloud, MN earns a median $80,088/year (≈ $38.50/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in St. Cloud's price level (12% below national, BEA RPP 87.6), that paycheck buys what $91,391 would nationally. Nominal pay sits 5.9% below the Minnesota state average.
Official BLS data · View source
In 2026, financial advisors in St. Cloud, Minnesota, are projected to earn a median annual salary of $80,088, which is significantly lower than the national median of $108,537. The salary range for financial advisors in this region varies widely, with the lowest 10% earning about $48,644 and the highest 90% making up to $243,199. These figures are based on 2025 BLS OEWS data, projected to 2026, reflecting the ongoing shift in the industry towards fee-only advisory models and the growing premium placed on CFP credentials. The evolving job market in St. Cloud illustrates a nuanced demand for financial expertise, with advisors opting for fiduciary roles seeing increased opportunities, especially as clients become more discerning about financial management and planning.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $48,644 | $23.39 |
| Lower Range (P25) | $60,720 | $29.19 |
| Median (P50)(typical) | $80,088 | $38.50 |
| Upper Range (P75) | $125,107 | $60.14 |
| Top Earners (P90) | $243,199 | $116.93 |
Median Salary Position
26.21% below the national average
2026 Salary Percentile Distribution in St. Cloud
In St. Cloud, MN, the financial advisor salary spread from the 10th to 90th percentile is $194,555 (2026 est.). At $80,088, the local median is 26.21% below the national median of $108,537.
Salary Calculator
At 40 hours/week in St. Cloud: You'd be in the entry-level range
How St. Cloud Financial Advisor Pay Compares
St. Cloud median: $80,088/year (2026)
| Compared To | Median Salary | St. Cloud Pays |
|---|---|---|
| Minnesota Average | $85,110 | -5.90% less |
| National Average | $108,537 | -26.21% less |
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.
Cost-of-Living Adjusted Salary
St. Cloud has a cost of living 12.37% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
St. Cloud, MN has a cost-of-living index of 87.632 (below the national average of 100). A financial advisor earning $80,088 nominally has purchasing power equivalent to $91,391 in an average-cost city — an effective 14.11% boost.
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2019 BLS Actual
$67,620
2025 BLS Actual
$77,530
2026 Current Est.
$80,088
2019–2027 Growth
+22.3%
Salary 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 | Annual Salary | Status |
|---|---|---|
| 2019 | $67,620 | Actual |
| 2020 | $85,940 | Actual |
| 2021 | $75,670 | Actual |
| 2022 | $80,600 | Actual |
| 2023 | $99,900 | Actual |
| 2024 | $91,950 | Actual |
| 2025 | $77,530 | Actual |
| 2026(current) | $80,088 | Estimated |
| 2027 | $82,731 | Projected |
Based on 7 years of BLS OEWS data for the St. Cloud metropolitan area, the median financial advisor salary grew 14.7% from $67,620 (2019) to $77,530 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $82,731 by 2027 — a total increase of $15,111 (22.35%) from 2019.
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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $48,644 – $60,720 |
| 3-5 years (Mid Career) | $60,720 – $80,088 |
| 5+ years (Experienced) | $80,088 – $125,107 |
| 10+ years (Top Earner) | $125,107 – $243,199 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in St. Cloud
Within the St. Cloud job market, approximately 190 financial advisors are currently employed, operating within a cost-of-living index of 87.632, which is below the national average. This reduced cost of living allows financial advisors to enjoy greater purchasing power despite their salaries lagging behind the national averages. Among the employers, wirehouses like Morgan Stanley and UBS, as well as independent firms such as Raymond James and LPL, tend to offer lucrative positions, especially for advisors managing high-net-worth clients. High pay levels are often driven by factors like assets under management, fee structures, and whether advisors have the CFP or CFA designations. For those in St. Cloud looking to maximize their financial advisor pay, focusing on developing a robust client base and considering the fee-only model may yield the best outcomes in this competitive landscape.
More salary data for St. Cloud, MN:
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 $77,530 for financial advisorsin the St. Cloud 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
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