Personal Financial Advisor Salary in Baltimore, MD
Personal Financial Advisors in the Baltimore-Columbia-Towson, MD metro area earn a median $98,970 a year — 6% less than the national median. After 2026 taxes, that is $74,118 take-home, or $6,176 a month.
Take-home pay calculator
Pre-filled with the median personal financial advisor salary in Baltimore, MD. Enter your own offer to see your paycheck.
- Federal income tax$12,943
- Social Security (6.2%)$6,136
- Medicare (1.45%)$1,435
- Maryland income tax$4,337
- Take-home pay$74,118
Marginal rate: 22% federal + 4.75% state
Living in Baltimore City? City residents also pay Baltimore City’s city income tax — about $2,957 a year on this salary — which lowers take-home pay to $71,161 ($5,930 a month). Choose “Baltimore City” under City income tax in the calculator. Suburban residents usually don’t pay it.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Personal Financial Advisor pay by experience in Baltimore, MD
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $48,110 | $23.13 | $38,915 | $3,243 |
| 25th percentile | $63,090 | $30.33 | $50,240 | $4,187 |
| Median (50th) | $98,970 | $47.58 | $74,118 | $6,176 |
| 75th percentile | $177,510 | $85.34 | $124,181 | $10,348 |
| 90th percentile (top earners) | $412,790+ | $198.46 | $264,096 | $22,008 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Maryland resident, 2026 tax rules.
What $98,970 buys in Baltimore, MD
Prices in Baltimore, MD are 4.5% higher than the U.S. average (housing costs are 1.18× the national average). Adjusted for local prices, a median personal financial advisor's $74,118 take-home pay has the buying power of $70,935 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Baltimore, MD has 1.4× the national concentration of personal financial advisor jobs — a strong local market for this occupation.
Best-paying cities for personal financial advisors, adjusted for cost of living
Baltimore, MD ranks #19 of 23 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | New York, NY | $170,050 | $118,502 | $105,277 |
| 2 | Kansas City, MO | $123,140 | $90,582 | $97,881 |
| 3 | San Francisco, CA | $160,610 | $108,248 | $93,629 |
| 4 | Bridgeport, CT | $135,770 | $98,069 | $91,770 |
| 5 | Miami, FL | $125,670 | $97,161 | $85,114 |
| 6 | Philadelphia, PA | $116,560 | $87,252 | $85,079 |
| 7 | St. Louis, MO | $103,690 | $77,840 | $81,861 |
| 8 | Indianapolis, IN | $102,640 | $78,039 | $81,549 |
| 19 | Baltimore, MD | $98,970 | $74,118 | $70,935 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 23 metros →
About the job: personal financial advisors
Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.
- Typical education
- Bachelor's degree
- Work experience
- None required
- On-the-job training
- Long-term on-the-job training
- Job outlook, 2025–35
- +1.4% (slower than average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Frequently asked questions
How much does a personal financial advisor make in Baltimore, MD?
The median personal financial advisor salary in the Baltimore-Columbia-Towson, MD metro area is $98,970 a year, or about $47.58 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $63,090 and $177,510.
What is a personal financial advisor’s take-home pay in Baltimore, MD?
On the median $98,970 salary, a single filer living in Maryland takes home about $74,118 a year ($6,176 a month) after federal tax, Social Security, Medicare and $4,337 in Maryland taxes in 2026.
Is Baltimore, MD a good place to work as a personal financial advisor?
Pay here is 6% below the national median of $105,070. Local prices are 4.5% above the U.S. average, so the take-home pay buys what $70,935 would in a typical U.S. city. Baltimore, MD ranks #19 of 23 metro areas for cost-of-living-adjusted pay in this job.
Can a personal financial advisor afford rent in Baltimore, MD?
HUD’s fair market rent for a one-bedroom in Baltimore, MD is $1,511 a month ($1,857 for two bedrooms) — 24% of a median personal financial advisor’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Baltimore, MD
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- Financial and Investment Analyst — $98,880
- Claims Adjusters, Examiners, and Investigators — $98,700
- Business Operations Specialists, All Other — $98,060
- Accountant and Auditor — $85,160
- Buyer and Purchasing Agent — $84,590
- Human Resources Specialist — $82,380
- Compliance Officer — $80,520
- Cost Estimator — $80,130
- Training and Development Specialist — $78,220