Top Financial Advisors in Pennsylvania

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HBKS Wealth Advisors, the top-rated firm in the Commonwealth of Pennsylvania, has the largest client base of any advisory practice on this list. HBKS, which is based in Erie, works with both high-net-worth and non-high-net-worth individuals, as well as retirement plans, charities and businesses. There are no account minimums at the firm.

Services offered include investment management, high-net-worth services and pension consulting. Financial planning is also a key service offering and may encompass retirement planning, income tax planning, risk management and estate planning, among other areas of need.

The advisors at HBKS build portfolios using a variety of investments, including mutual funds, exchange-traded funds (ETFs), stocks, bonds, investment contracts, insurance, annuities, alternative investments and other vehicles. Strategies include both long-term and short-term purchases, plus short sales, margin transactions and option writing.

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McAdam is a Philadelphia-based firm with no set account minimum. It mostly serves individual clients with and without a high net worth, as well as retirement plans, charities and businesses. Individuals without a high net worth comprise an overwhelming majority of McAdam's client base. 

The firm's services include wealth management, as well as financial planning and consulting services. These can cover retirement planning, risk management, tax planning, insurance planning, estate planning, business planning, cash flow forecasting and more.

McAdam typically invests client assets in mutual funds, ETFs, individual stocks and bonds and with independent investment managers. The firm may also recommend investing in pooled investment vehicles, like hedge funds.

Which types of securities exist within your portfolio will depend on what type of investor you are. To find this out, your advisor will meet with you to discuss your goals and needs. Through these discussions, the firm will also identify your ever-important risk tolerance, time horizon and income needs. These factors will dictate the complexion of your asset allocation.

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Confluence Wealth Services, located in the Pittsburgh suburb of McMurray, is a fee-based practice that works with a range of clientele. The firm serves individuals above and below the high-net-worth threshold, as well as retirement plans, charitable organizations, corporations and businesses, as well as at least one government entity. 

The firm offers a comprehensive suite of services tailored to enhance financial and investment strategies for both individuals and organizations. These services include financial plan reviews, retirement planning and insurance review. Investment review and wealth management services are also provided, alongside retirement plan consulting services. 

While the standard minimum investment is set at $250,000 for separately managed accounts, there is no account minimum for the Confluence Compass Services, a basic financial planning and model portfolio solution.

Confluence Financial Partners emphasizes a long-term investment approach, crafting broadly diversified portfolios that span various sectors. Their investment strategies are tailored to align with each client's specific investment goals and risk tolerance, including the use of alternative strategy mutual funds for diversification. Their investment vehicles include mutual funds, ETFs, equities, fixed-income securities and cash.

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Greycourt & Co. is a fee-only financial advisory firm that specializes in working with high-net-worth clients, charitable organizations, family offices and corporations. The Pittsburgh-based firm does not have a minimum account size, but it does charge a signficant minimum annual fee of $400,000.

Greycourt provides asset management and portfolio design services, conducts research on both traditional and alternative investment strategies and managers, handles portfolio implementation, offers portfolio monitoring and reporting services, and delivers tailored consulting solutions. 

Like other firms, Greycourt relies on an internal investment committee comprising advisors, associate advisors and reseachers to make investment decisions. It's worth noting that the investment committee does not approve firm-wide model portfolios. Instead, each client receives investment recommendations that are customized to their needs. 

Investment recommendations are based upon a client's goals, objectives, risk tolerance, exisiting assets, anticipated cash flow needs, among other factors. 

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myCIO Wealth Partners is a fee-only firm in Philadelphia. All of the firm’s individual clients have a high net worth, which makes sense given that the firm has a $1 million minimum account size. There are also institutional clients, including charitable organizations and corporations.

Services offered include investment advisory, private investment funds, tax preparations services, consulting and financial planning. 

Advisors at myCIO Wealth Partners conduct fundamental and technical analysis to make investment choices. They use both short- and long-term purchases, meaning investments will be held for a variable amount of time. The firm may also engage in strategies like short sales, margin transactions and options trading.

myCIO primarily invests client assets in mutual funds, ETFs, private investment funds, as well as publicly traded REITs and non-traded REITs. The firm may also allocate a portion of a client's portfolio to a sub-advisor or independent manager. To a lesser extent, myCIO may invest in individual stocks and bonds.

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JFS Wealth Advisors is a fee-based advisory firm that works with both non-high-net-worth and high-net-worth individuals. Institutional clients also include retirement plans, charities, government entities and businesses. The firm imposes a minimum account size of $600,000 to engage in services. JFS offers clients a variety of services, including investment and wealth management. 

Clients interested in wealth management services will generally pay an annual advisory fee that is based on a percentage of assets under management. However, as a fee-based firm, certain advisors at JFS can sell financial products on a commission basis. While this presents a potential conflict of interest, the firm’s fiduciary duty requires them to act in the clients’ best interests.

According to the firm’s brochure, JFS typically invests client assets in no-load mutual funds or exchange-traded funds (ETFs). Other securities can be used as well, depending on client needs, circumstances and risk tolerance. The firm has an internal investment committee that meets monthly to conduct fundamental analysis on securities that it recommends to clients. Additionally, the firm may recommend that certain qualified clients allocate a portion of their portfolios to private investments.

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Girard Advisory Services in King of Prussia offers financial advisory serivces through a fee-based structure. The firm offers investment management, financial planning, retirement planning, consulting and related services. 

The firm works with individuals, high-net-worth individuals, pension and profit-sharing plans, charitable organizations, corporations and other businesses. There is a $350,000 investment minimum for wealth management clients. However, the firm only requires an account size of $50,000 for an investment management option that relies solely on mutual funds and/or ETFs. The firm charges asset-based fees for investment advisory services and a minimum fee of $5,000 for financial planning and consulting services.

Girard Advisory Services employs a strategic approach to investing that emphasizes asset allocation, diversification and a long-term perspective. The firm tailors investment strategies to align with individual client profiles, which include their stated financial needs, objectives, goals, risk tolerance, time horizon, income requirements, existing investments and overall investment objectives. 

Their typical investment vehicles include domestic and international equities, options (limited to covered call writing or purchases) and warrants. Additionally, they invest in commercial paper, certificates of deposit, ETFs, real estate investment trusts and mutual funds. Their fixed-income portfolio comprises U.S. Treasuries, agency bonds, mortgage-backed securities, corporate and municipal debt.

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Financial Integrity Advisors based in Philadelphia is a fee-based practice that offers services to individuals, investment companies, pension and profit sharing plans, corporate or business entities. However, almost all the firm’s assets under management were  concentrated in the accounts of a handful of government entities, according to the firm’s most recent SEC filings.

The firm generally requires a minimum investment of $250,000, though this can be adjusted or waived under specific circumstances. In addition to receiving client-paid fees, advisors on staff may sell insurance on a commission basis. While Financial Integrity Advisors is a fiduciary, its fee-based compensation model represents a conflict of interest, because sales commissions can incentivize advisors to make certain recommendations over more appropriate alternatives.  

The firm offers asset management for individual and institutional clients, ERISA plan services, consultation services and financial planning.

Financial Integrity Advisors takes a long-term approach to wealth management with a focus on tailored asset allocation aligned with individual investment goals and risk profiles. Their strategies also encompass tax reduction and estate preservation, which involves updating account details, reviewing beneficiaries for retirement accounts and life insurance, and reevaluating existing estate planning documents. Their investment vehicles include equity and fixed income securities, mutual funds, ETFs, Treasury Bills and real estate properties.

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Fort Pitt Capital Group is a Pittsburgh-based financial advisor with billions in client assets under management. This fee-only firm serves both non-high-net-worth and high-net-worth individuals. Institutional clients include investment companies, pension and profit-sharing plans, charitable organizations, government entities, insurance companies and corporations. 

The minimum account size here is $250,000, though the firm may occasionally accept those with less than that. Services include wealth management, investment management, financial planning, estate planning, education planning, business succession planning and insurance needs.

Fort Pitt Capital Group reviews portfolio structures and asset allocations to ensure they are consistent with client objectives, time horizon and risk tolerance. The firm primarily invests client assets in individual stocks, fixed-income securities, mutual funds and ETFs.

Fort Pitt Capital Group typically takes a fundamental, "value-style" approach to managing individual stocks. Although the firm's equity holdings mainly consist of large-cap securities, the firm also advises including other types of equity investments, such as mid-cap and small-cap stocks, to enhance diversification. 

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Mill Creek Capital Advisors rounds out our list of the top financial advisors in Pennsylvania. This fee-only practice works with high-net-worth individuals, pooled investment vehicles, retirement plans, charities and businesses.

The firm says in its brochure that it accepts and maintains accounts valued under $5 million. But in those cases, clients will typically pay a minimum fixed fee of $30,000.

Services include investment advising, tax issue evaluation, cash flow analysis, estate planning, retirement planning, financial planning, philanthropic planning, family governance and education, comprehensive reporting and financial concierge services.

Mill Creek Capital Advisors believes in broad diversification both across and within asset classes. It also focuses on the long term, looking to buy and hold investments rather than trading in and out of various markets in search of results that may only hold for the short term.

Mill Creek offers a range of investment allocation strategies, combining equity and fixed income investments with both active and passive approaches. Certain strategies also incorporate hedging and/or private equity elements. To implement these strategies, Mill Creek enlists external investment advisory firms, known as “specialist managers,” who are responsible for selecting individual investments that align with the broader asset allocation plan.

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Allegheny Financial Group offers investment management and financial planning services to clients. The firm offers investment management services, comprehensive portfolio management, financial planning and more. It primarily works with individuals, high net worth individuals, trusts, estates, charitable organizations, corporation and other business entities, pension plans, individual retirement account plans, profit sharing plans and private funds.

The firm's advisory fees for investment management services are generally based on a percentage of assets under management and exclude costs that may be imposed by your custodian, broker-dealer and any independent managers. Advisory fees for services are set forth in our investment management agreement with you. The fees may range from 0.35% to 1.00%. 

The firm chooses investments based on a number of factors that include client objectives. The firm's advisors draw upon their extensive experience and ask questions with the goals to discover key client issues and concerns, and to build a meaningful evaluation of your finances.

These questions include determining your risk tolerance, education needs, retirement objectives, long and short-term goals and objectives. The firm analyzes your assets and liabilities and evaluate your risk tolerances to develop a clear picture of your financial status. 

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FFT Wealth Management is a fee-only firm that works with high-net-worth individuals and charitable organizations.

The firm generally charges new clients an annual fee that is based on a percentage of assets under management. This rate can range between 0.25% and 1.50%. It does not impose a minimum account balance to engage in services.

FFT Wealth Management recommends financial investments based on the risk tolerance, time horizon and investment needs of clients.

The firm provides a variety of services, including investment management, financial planning and consulting services.