Financial Advisor Salary in Fredericksburg, VA: $91,183 (2026)
Quick Answer:A full-time financial advisor in Fredericksburg, VA earns a median $91,183/year (≈ $43.84/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in Fredericksburg's price level (3% above national, BEA RPP 103.2), that paycheck buys what $88,356 would nationally. Nominal pay sits 2.6% below the Virginia state average.
Based on BLS state-level estimates · View source
In 2026, financial advisors in Fredericksburg, Virginia, are projected to earn a median annual salary of $91,183, which is notably lower than the national median of $108,537. The salary range for these professionals spans from a low of $52,887 at the 10th percentile to as high as $141,334 at the 90th percentile, reflecting significant variability in compensation. These estimates arise from 2025 BLS data, adjusted for regional economic factors, indicating that financial advisors in Fredericksburg may find themselves in a market that offers both opportunities and challenges. The relatively lower salary figures reveal a potential shift in the financial advisory roles available, particularly as local advisors navigate the evolving dynamics of independence and wirehouse practices.
About the Fredericksburg Market
Salary estimated from Virginia average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $52,887 | $25.42 |
| Lower Range (P25) | $66,573 | $32.00 |
| Median (P50)(typical) | $91,183 | $43.84 |
| Upper Range (P75) | $116,715 | $56.11 |
| Top Earners (P90) | $141,334 | $67.95 |
Median Salary Position
15.99% below the national average
2026 Salary Percentile Distribution in Fredericksburg
In Fredericksburg, VA, the financial advisor salary spread from the 10th to 90th percentile is $88,447 (2026 est.). At $91,183, the local median is 15.99% below the national median of $108,537.
Salary Calculator
At 40 hours/week in Fredericksburg: You'd be in the lower-middle range
How Fredericksburg Financial Advisor Pay Compares
Fredericksburg median: $91,183/year (2026)
| Compared To | Median Salary | Fredericksburg Pays |
|---|---|---|
| Virginia Average | $93,617 | -2.60% less |
| National Average | $108,537 | -15.99% less |
Financial Advisors in Fredericksburg, VA earn a median of $91,183 per year (2026 est.), which is 15.99% lower than the national median of $108,537 and 2.60% below the Virginia state average of $93,617.
Cost-of-Living Adjusted Salary
Fredericksburg has a cost of living 3.20% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Fredericksburg, VA has a cost-of-living index of 103.2 (above the national average of 100). While the nominal salary of $91,183 is competitive, the higher cost of living reduces purchasing power to an effective $88,356 — a 3.1% reduction.
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2019 BLS Actual
$73,803
2025 BLS Actual
$88,270
2026 Current Est.
$91,183
2019–2027 Growth
+27.6%
Salary Trajectory for Financial Advisors in Fredericksburg (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $73,803 | Actual |
| 2020 | $75,047 | Actual |
| 2021 | $79,113 | Actual |
| 2022 | $80,138 | Actual |
| 2023 | $83,658 | Actual |
| 2024 | $118,553 | Actual |
| 2025 | $88,270 | Actual |
| 2026(current) | $91,183 | Estimated |
| 2027 | $94,192 | Projected |
Based on 7 years of BLS OEWS data for the Fredericksburg metropolitan area, the median financial advisor salary grew 19.6% from $73,803 (2019) to $88,270 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $94,192 by 2027 — a total increase of $20,389 (27.63%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fredericksburg 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) | $52,887 – $66,573 |
| 3-5 years (Mid Career) | $66,573 – $91,183 |
| 5+ years (Experienced) | $91,183 – $116,715 |
| 10+ years (Top Earner) | $116,715 – $141,334 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in Fredericksburg
Despite having only seven financial advisors employed in the area, Fredericksburg's job market presents unique conditions shaped by a cost-of-living index at 103.2, which slightly exceeds the national average. This reality impacts the take-home purchasing power for local advisors, urging them to be strategic about their employment choices. Significant employers in the region include wirehouses like Morgan Stanley and Merrill Lynch, alongside independent broker-dealers such as LPL and firms focused on fiduciary models. The considerable spread between low and high salaries often hinges on factors such as managed assets, client advisory models, and professional certifications like CFPs or CFAs. To maximize financial advisor pay in Fredericksburg, professionals might consider cultivating high-net-worth client relationships, strategically leveraging their credentials, and exploring fee-only structures that may offer better long-term compensation than traditional commission-based models.
More salary data for Fredericksburg, VA:
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 $88,270 for financial advisorsin the Fredericksburg 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 Fredericksburg 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