Financial Planners in Encinitas, CA — 7 Firms (2026)
7 financial planners in Encinitas, California meet our listing bar — a website plus a public review record. They average 4.74★ across 7 rated firms, and 6 are rated 4.5★ or higher. The highest-rated is Stone Steps Financial LLC at 5.0★ across 29 Google reviews.
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SS
Stone Steps Financial LLC✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning. Rated 5.0★ across 29 Google reviews.
IW
Independent Wealth Solutions✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning, and advisory. Rated 5.0★ across 24 Google reviews.
LW
Longhouse Wealth Management✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning, and advisory. Rated 5.0★ across 12 Google reviews.
RF
Root Financial✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning, and advisory. Rated 4.9★ across 101 Google reviews.
JL
Jim Lee Financial✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning. Rated 4.9★ across 11 Google reviews.
TF
Tidewater Financial✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning. Rated 4.8★ across 14 Google reviews.
BO
Bank of America (with Drive-thru ATM)✓ Verified
Financial PlanningEncinitas, CA
Financial Planning in Encinitas, California offering financial planning, and advisory. Rated 3.6★ across 24 Google reviews.
Top financial planners in Encinitas
| # | Firm | Service | Rating | Reviews |
|---|---|---|---|---|
| 1 | Stone Steps Financial LLC✓ | Financial Planning | ★ 5.0 | 29 |
| 2 | Independent Wealth Solutions✓ | Financial Planning | ★ 5.0 | 24 |
| 3 | Longhouse Wealth Management✓ | Financial Planning | ★ 5.0 | 12 |
| 4 | Root Financial✓ | Financial Planning | ★ 4.9 | 101 |
| 5 | Jim Lee Financial✓ | Financial Planning | ★ 4.9 | 11 |
Financial planners and accountants
Financial planners focus on investments, retirement, and long-term wealth strategy, while accountants focus on tax and compliance. The roles overlap for business owners and high earners. Look for fiduciary advisors (legally required to act in your interest) and understand how they're paid — fee-only, commission, or a mix.