Top financial advisors working with HENRYs (high earners, not rich yet)
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you earn a high income but haven't yet built significant wealth, you might face unique challenges like managing cash flow while maximizing savings and tax efficiency. A common mistake is focusing only on investment returns without addressing the full financial picture that high earners need to balance.
- Cash flow management. Look for advisors who help you plan spending and saving strategies that fit your current income and future goals.
- Tax-aware planning. Ask how they incorporate tax strategies that go beyond basic deductions, such as optimizing retirement contributions and benefits.
- Debt and savings balance. Confirm they consider how to handle student loans or mortgages alongside building emergency funds and retirement accounts.
- Career growth integration. See if they factor in potential income changes and career milestones when crafting your financial plan.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Jeffrey P
Series 66
Dacula, GA
Merrill
Jeffrey Park specializes in serving high earners who have yet to build significant wealth, addressing challenges like tax-loss harvesting and active portfolio management to optimize cash flow and savings. Operating within Merrill, a large firm with extensive resources and a 1.10% AUM fee for managed strategies, he brings seven years of experience and a Series 66 credential, making him a strong choice for mid-career professionals and business owners seeking comprehensive financial planning.
Experience: 8 years
Avg account: $860,085
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Jace H
CFP®, Series 63, Series 66
Rockwall, TX
Rockwall Wealth Management
Jace Hart specializes in serving high earners who have yet to build significant wealth, offering expertise in options and derivatives, private investments, and retirement plans tailored for business owners. His independent, CFP®-certified practice employs diversified ETF portfolios and systematic single-stock models, with flexible flat-fee and hourly pricing, distinguishing him from others by combining specialized investment strategies with comprehensive financial planning in Hurst, TX.
Experience: 9 years
Avg account: $499,118
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Barbara B
Series 66
Conshohocken, PA
RBC Capital Markets
Barbara Brewer's 20 years of experience and focus on high earners not yet wealthy make her well-suited to address cash flow management and tax-aware planning for this group. Working at RBC Capital Markets, a large firm offering flat-fee options and comprehensive wealth management services, she brings expertise in tax-loss harvesting and concentrated stock management, which can complement strategies for career growth and debt balance.
Experience: 20 years
Avg account: $1,017,425
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Richard M
Series 63
Fort Walton, FL
Cetera
Richard Martin's extensive 28 years of experience and focus on HENRY clients equip him to address the unique financial challenges of high earners not yet rich, including tax-loss harvesting and retirement plans for business owners. Operating within Cetera's large firm framework, he offers flexible flat-fee and hourly consulting options, distinguishing him with a seasoned approach and additional expertise in charitable giving and philanthropy.
Experience: 29 years
Avg account: $306,089
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Thomas P
Series 65
Brookfield, WI
Annex Wealth Management, LLC
Thomas Phillipsen specializes in serving high earners who have not yet accumulated significant wealth, offering expertise in wealth management, options and derivatives strategies, and tax-loss harvesting to address complex financial needs. Operating from Annex Wealth Management, a firm managing over $8 billion with a team-oriented investment approach, he provides flat-fee consulting and serves both high-net-worth and mid-career professionals, distinguishing him through a comprehensive, tactical investment framework.
Experience: 0 years
Avg account: $1,117,200
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