Financial Advisor Salary in Middletown, NY: $123,088 (2026)
Quick Answer:A full-time financial advisor in Middletown, NY earns a median $123,088/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 (16% above national, BEA RPP 115.9), that paycheck buys what $106,202 would nationally. Nominal pay sits 3.3% below the New York state average.
Based on BLS state-level estimates · View source
In 2026, financial advisors in Middletown, NY, are projected to earn a median annual salary of $123,088, representing a significant 13.41% gain over the national median of $108,537. The salary range for these professionals varies widely, with the lowest earners making around $71,391 and top earners reaching up to $190,787. These figures, derived from 2025 BLS data and adjusted for local economic conditions, reflect the evolving landscape of financial advising. As the fiduciary fee-only model continues to gain traction alongside the premium associated with the CFP credential, the job market in Middletown is poised for steady growth, particularly as consumers increasingly seek advice tailored to their specific financial futures.
About the Middletown Market
Salary estimated from New York average ($168,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $71,391 | $34.33 |
| Lower Range (P25) | $88,623 | $42.61 |
| Median (P50)(typical) | $123,088 | $59.18 |
| Upper Range (P75) | $157,553 | $75.75 |
| Top Earners (P90) | $190,787 | $91.72 |
Median Salary Position
13.41% above the national average
2026 Salary Percentile Distribution in Middletown
In Middletown, NY, the financial advisor salary spread from the 10th to 90th percentile is $119,396 (2026 est.). At $123,088, 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: $123,088/year (2026)
| Compared To | Median Salary | Middletown Pays |
|---|---|---|
| New York Average | $127,289 | -3.30% less |
| National Average | $108,537 | +13.41% more |
Financial Advisors in Middletown, NY earn a median of $123,088 per year (2026 est.), which is 13.41% higher than the national median of $108,537 and 3.30% below the New York state average of $127,289.
Cost-of-Living Adjusted Salary
Middletown has a cost of living 15.90% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Middletown, NY has a cost-of-living index of 115.9 (above the national average of 100). While the nominal salary of $123,088 is competitive, the higher cost of living reduces purchasing power to an effective $106,202 — a 13.72% reduction.
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2019 BLS Actual
$99,627
2025 BLS Actual
$119,156
2026 Current Est.
$123,088
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 | $99,627 | Actual |
| 2020 | $101,306 | Actual |
| 2021 | $106,795 | Actual |
| 2022 | $108,178 | Actual |
| 2023 | $112,930 | Actual |
| 2024 | $188,198 | Actual |
| 2025 | $119,156 | Actual |
| 2026(current) | $123,088 | Estimated |
| 2027 | $127,150 | Projected |
Based on 7 years of BLS OEWS data for the Middletown metropolitan area, the median financial advisor salary grew 19.6% from $99,627 (2019) to $119,156 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $127,150 by 2027 — a total increase of $27,523 (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) | $71,391 – $88,623 |
| 3-5 years (Mid Career) | $88,623 – $123,088 |
| 5+ years (Experienced) | $123,088 – $157,553 |
| 10+ years (Top Earner) | $157,553 – $190,787 |
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
With only seven financial advisors currently employed in the Middletown area, the local job market appears limited but stable. The cost of living index stands at 115.9, suggesting that while salaries may be higher than in some regions, real purchasing power may be affected by housing and other living expenses. Among the highest-paying employers in Middletown are wirehouses like Morgan Stanley and UBS, though independent broker-dealers and RIAs are becoming more competitive, particularly due to their ability to separate advisory fees from commission-based structures. The disparity in salaries is largely driven by factors such as book size, client concentration, and credentialing, with those holding CFP or CFA designations potentially commanding higher pay. Advisors looking to maximize their financial advisor pay in Middletown, NY, should focus on building a robust client base, pursuing certifications, and considering fee-only advisory models that align with fiduciary principles.
More salary data for Middletown, NY:
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 $119,156 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