Financial Advisor Salary in Toms River, NJ: $123,275 (2026)
Quick Answer:A full-time financial advisor in Toms River, NJ earns a median $123,275/year (≈ $59.26/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in Toms River's price level (15% above national, BEA RPP 115.2), that paycheck buys what $107,010 would nationally. Nominal pay sits 1.4% below the New Jersey state average.
Based on BLS state-level estimates · View source
In 2026, financial advisors in Toms River are projected to earn a median annual salary of $123,275, reflecting a robust 13.58% increase compared to the national median of $108,537. The salary range spans from $71,499 at the 10th percentile to $191,076 at the 90th percentile, indicative of the diverse earning potential within this profession. These local estimates are derived from 2025 BLS state-level data, adjusted for regional price variations. As the economic landscape becomes more dynamic, financial advisors in this area may find opportunities for growth, particularly as many consider the transition to independent advisory roles, which can impact both their earnings and long-term career satisfaction.
About the Toms River Market
Salary estimated from New Jersey average ($148,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $71,499 | $34.38 |
| Lower Range (P25) | $88,758 | $42.67 |
| Median (P50)(typical) | $123,275 | $59.26 |
| Upper Range (P75) | $157,792 | $75.86 |
| Top Earners (P90) | $191,076 | $91.86 |
Median Salary Position
13.58% above the national average
2026 Salary Percentile Distribution in Toms River
In Toms River, NJ, the financial advisor salary spread from the 10th to 90th percentile is $119,577 (2026 est.). At $123,275, the local median is 13.58% above the national median of $108,537.
Salary Calculator
At 40 hours/week in Toms River: You'd be in the lower-middle range
How Toms River Financial Advisor Pay Compares
Toms River median: $123,275/year (2026)
| Compared To | Median Salary | Toms River Pays |
|---|---|---|
| New Jersey Average | $125,025 | -1.40% less |
| National Average | $108,537 | +13.58% more |
Financial Advisors in Toms River, NJ earn a median of $123,275 per year (2026 est.), which is 13.58% higher than the national median of $108,537 and 1.40% below the New Jersey state average of $125,025.
Cost-of-Living Adjusted Salary
Toms River has a cost of living 15.20% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Toms River, NJ has a cost-of-living index of 115.2 (above the national average of 100). While the nominal salary of $123,275 is competitive, the higher cost of living reduces purchasing power to an effective $107,010 — a 13.19% reduction.
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2019 BLS Actual
$99,779
2025 BLS Actual
$119,337
2026 Current Est.
$123,275
2019–2027 Growth
+27.6%
Salary Trajectory for Financial Advisors in Toms River (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $99,779 | Actual |
| 2020 | $101,460 | Actual |
| 2021 | $106,957 | Actual |
| 2022 | $108,343 | Actual |
| 2023 | $113,102 | Actual |
| 2024 | $168,096 | Actual |
| 2025 | $119,337 | Actual |
| 2026(current) | $123,275 | Estimated |
| 2027 | $127,343 | Projected |
Based on 7 years of BLS OEWS data for the Toms River metropolitan area, the median financial advisor salary grew 19.6% from $99,779 (2019) to $119,337 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $127,343 by 2027 — a total increase of $27,564 (27.63%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Toms River 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) | $71,499 – $88,758 |
| 3-5 years (Mid Career) | $88,758 – $123,275 |
| 5+ years (Experienced) | $123,275 – $157,792 |
| 10+ years (Top Earner) | $157,792 – $191,076 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in Toms River
The financial advisory sector in Toms River currently employs 17 professionals, a number that suggests a small yet potentially vibrant market for aspiring advisors. With a cost-of-living index of 115.2, the relative expense of living here affects purchasing power, making the financial advisor salary in Toms River particularly significant for those looking to establish their careers. Major employers in the region include wirehouses like Morgan Stanley and Merrill Lynch, along with independent broker-dealers such as LPL and Raymond James. The variance in financial advisor pay in Toms River NJ can often be attributed to factors such as assets under management (AUM), fee models, and client demographics. Advisors who focus on cultivating high-net-worth clients or achieve CFP or CFA credentials may command higher salaries, especially in the competitive environment influenced by the recent trend toward fiduciary models in financial advice. Building a robust client base and leveraging transitional packages from established wirehouses can also enhance financial outcomes in this market.
More salary data for Toms River, 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 $119,337 for financial advisorsin the Toms River 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 Toms River 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