Financial Advisor Salary in Middletown, NJ: $123,096 (2026)
Quick Answer:A full-time financial advisor in Middletown, NJ earns a median $123,096/year (≈ $59.18/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in Middletown's price level (15% above national, BEA RPP 115.2), that paycheck buys what $106,854 would nationally. Nominal pay sits 1.6% below the New Jersey state average.
Based on BLS state-level estimates · View source
In 2026, financial advisors in Middletown, NJ, are projected to earn a median annual salary of $123,096, surpassing the national median of $108,537 by 13.41%. The salary range spans from $71,396 at the 10th percentile to $190,799 at the 90th percentile, indicating substantial earning potential for those in the profession. These figures reflect local estimates based on 2025 BLS data, adjusted for regional price parities, highlighting the competitive compensation landscape in Middletown. The growing demand for Certified Financial Planners (CFP) and the increasing trend towards fee-only fiduciary models contribute significantly to this robust salary framework, underscoring the importance of professional qualifications and client trust in shaping financial advisor pay in Middletown.
About the Middletown Market
Salary estimated from New Jersey average ($148,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $71,396 | $34.33 |
| Lower Range (P25) | $88,629 | $42.61 |
| Median (P50)(typical) | $123,096 | $59.18 |
| Upper Range (P75) | $157,563 | $75.75 |
| Top Earners (P90) | $190,799 | $91.73 |
Median Salary Position
13.41% above the national average
2026 Salary Percentile Distribution in Middletown
In Middletown, NJ, the financial advisor salary spread from the 10th to 90th percentile is $119,403 (2026 est.). At $123,096, the local median is 13.41% above the national median of $108,537.
Salary Calculator
At 40 hours/week in Middletown: You'd be in the lower-middle range
How Middletown Financial Advisor Pay Compares
Middletown median: $123,096/year (2026)
| Compared To | Median Salary | Middletown Pays |
|---|---|---|
| New Jersey Average | $125,098 | -1.60% less |
| National Average | $108,537 | +13.41% more |
Financial Advisors in Middletown, NJ earn a median of $123,096 per year (2026 est.), which is 13.41% higher than the national median of $108,537 and 1.60% below the New Jersey state average of $125,098.
Cost-of-Living Adjusted Salary
Middletown has a cost of living 15.20% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Middletown, NJ has a cost-of-living index of 115.2 (above the national average of 100). While the nominal salary of $123,096 is competitive, the higher cost of living reduces purchasing power to an effective $106,854 — a 13.19% reduction.
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2019 BLS Actual
$99,634
2025 BLS Actual
$119,164
2026 Current Est.
$123,096
2019–2027 Growth
+27.6%
Salary Trajectory for Financial Advisors in Middletown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $99,634 | Actual |
| 2020 | $101,313 | Actual |
| 2021 | $106,802 | Actual |
| 2022 | $108,186 | Actual |
| 2023 | $112,938 | Actual |
| 2024 | $167,853 | Actual |
| 2025 | $119,164 | Actual |
| 2026(current) | $123,096 | Estimated |
| 2027 | $127,159 | Projected |
Based on 7 years of BLS OEWS data for the Middletown metropolitan area, the median financial advisor salary grew 19.6% from $99,634 (2019) to $119,164 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $127,159 by 2027 — a total increase of $27,525 (27.63%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Middletown 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) | $71,396 – $88,629 |
| 3-5 years (Mid Career) | $88,629 – $123,096 |
| 5+ years (Experienced) | $123,096 – $157,563 |
| 10+ years (Top Earner) | $157,563 – $190,799 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in Middletown
Despite having only 15 financial advisors operating in the area, the competitive job market in Middletown is indicative of the growing significance of wealth management services. The cost-of-living index stands at 115.2, suggesting that while salaries are higher than the national average, purchasing power is an important consideration for professionals in this market. Wirehouses like Morgan Stanley and Merrill Lynch may offer higher compensation packages, particularly for those with large books of business, while independent Registered Investment Advisors (RIAs) who cater to high-net-worth clients can also command significant fees based on assets under management. The spread in salaries often reflects factors like AUM size, the fee model adopted, and individual credentials such as the CFP designation. To maximize financial advisor pay in Middletown, professionals should focus on building a solid client base, obtaining advanced certifications, and aligning their services with the needs of clients seeking fiduciary advice in a rapidly evolving financial landscape.
More salary data for Middletown, NJ:
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 $119,164 for financial advisorsin the Middletown 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 Middletown 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