Financial Advisor Salary in Oak Harbor, WA: $98,231 (2026)
Quick Answer:A full-time financial advisor in Oak Harbor, WA earns a median $98,231/year (≈ $47.23/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 13-2052). Once you factor in Oak Harbor's price level (7% above national, BEA RPP 107.4), that paycheck buys what $91,463 would nationally. Nominal pay sits 5.5% below the Washington state average.
Based on BLS state-level estimates · View source
In Oak Harbor, WA, the financial advisor salary is projected to reach a median annual figure of $98,231 in 2026. This reflects a market that, while competitive locally, offers compensation that lags approximately 9.50% behind the national median of $108,537. The salary range varies significantly, from approximately $56,974 at the 10th percentile to $152,258 at the 90th percentile, illustrating a landscape where both entry-level roles and highly experienced advisors can find their place. Local estimates, derived from 2025 BLS data adjusted for regional prices, indicate that advisors who hold prestigious certifications like the CFP may see enhanced earning potential, especially as the growth trend shifts towards fee-only fiduciary practices. Given these dynamics, Oak Harbor's job market appears poised for stable development, even amidst national fluctuations in advisor compensation.
About the Oak Harbor Market
Salary estimated from Washington average ($118,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $56,974 | $27.40 |
| Lower Range (P25) | $70,726 | $34.01 |
| Median (P50)(typical) | $98,231 | $47.23 |
| Upper Range (P75) | $125,736 | $60.45 |
| Top Earners (P90) | $152,258 | $73.20 |
Median Salary Position
9.5% below the national average
2026 Salary Percentile Distribution in Oak Harbor
In Oak Harbor, WA, the financial advisor salary spread from the 10th to 90th percentile is $95,284 (2026 est.). At $98,231, the local median is 9.5% below the national median of $108,537.
Salary Calculator
At 40 hours/week in Oak Harbor: You'd be in the lower-middle range
How Oak Harbor Financial Advisor Pay Compares
Oak Harbor median: $98,231/year (2026)
| Compared To | Median Salary | Oak Harbor Pays |
|---|---|---|
| Washington Average | $103,948 | -5.50% less |
| National Average | $108,537 | -9.50% less |
Financial Advisors in Oak Harbor, WA earn a median of $98,231 per year (2026 est.), which is 9.50% lower than the national median of $108,537 and 5.50% below the Washington state average of $103,948.
Cost-of-Living Adjusted Salary
Oak Harbor has a cost of living 7.40% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Oak Harbor, WA has a cost-of-living index of 107.4 (above the national average of 100). While the nominal salary of $98,231 is competitive, the higher cost of living reduces purchasing power to an effective $91,463 — a 6.89% reduction.
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2019 BLS Actual
$79,508
2025 BLS Actual
$95,093
2026 Current Est.
$98,231
2019–2027 Growth
+27.6%
Salary Trajectory for Financial Advisors in Oak Harbor (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.30% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $79,508 | Actual |
| 2020 | $80,848 | Actual |
| 2021 | $85,228 | Actual |
| 2022 | $86,332 | Actual |
| 2023 | $90,124 | Actual |
| 2024 | $119,752 | Actual |
| 2025 | $95,093 | Actual |
| 2026(current) | $98,231 | Estimated |
| 2027 | $101,473 | Projected |
Based on 7 years of BLS OEWS data for the Oak Harbor metropolitan area, the median financial advisor salary grew 19.6% from $79,508 (2019) to $95,093 (2025). At a 3.30% compound annual growth rate, salaries are projected to reach $101,473 by 2027 — a total increase of $21,965 (27.63%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Oak Harbor 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) | $56,974 – $70,726 |
| 3-5 years (Mid Career) | $70,726 – $98,231 |
| 5+ years (Experienced) | $98,231 – $125,736 |
| 10+ years (Top Earner) | $125,736 – $152,258 |
CFP, FA salary ranges estimated from BLS percentile data. Individual financial advisor compensation varies by employer, certifications, and specialization.
Financial Advisor Job Market in Oak Harbor
With only five financial advisors currently employed in Oak Harbor, the market is relatively small, which could influence both competition and partnership opportunities for aspiring financial professionals. The area's cost-of-living index at 107.4 signifies that expenses are above the national average, impacting the buying power of local salaries. Thus, advisors evaluating potential employers might find that firms like Merrill Lynch and UBS, known for traditional wirehouse structures, may offer higher starting salaries than independent broker-dealers or local RIAs. Factors influencing the spread of compensation include the advisor's book size, fee model, and whether they cater to high-net-worth clients. To maximize pay in this environment, pursuing advanced designations such as the CFP and strategically targeting high-wealth client segments will be key. Furthermore, establishing a strong local reputation through networking, both online and within the community, can leverage growth in advisory roles in Oak Harbor.
More salary data for Oak Harbor, WA:
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 $95,093 for financial advisorsin the Oak Harbor 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 Oak Harbor 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