Personal Financial Advisor Salary in Cincinnati, OH
Personal Financial Advisors in the Cincinnati, OH-KY-IN metro area earn a median $80,540 a year — 23% less than the national median. After 2026 taxes, that is $64,057 take-home, or $5,338 a month.
Take-home pay calculator
Pre-filled with the median personal financial advisor salary in Cincinnati, OH. Enter your own offer to see your paycheck.
- Federal income tax$8,889
- Social Security (6.2%)$4,993
- Medicare (1.45%)$1,168
- Ohio income tax$1,432
- Take-home pay$64,057
Marginal rate: 22% federal + 2.75% state
Living in Cincinnati? City residents also pay Cincinnati’s city income tax — about $1,450 a year on this salary — which lowers take-home pay to $62,608 ($5,217 a month). Choose “Cincinnati” under City income tax in the calculator. Suburban residents usually don’t pay it.
The Cincinnati, OH-KY-IN metro spans Ohio, Kentucky, Indiana. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Personal Financial Advisor pay by experience in Cincinnati, OH
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $45,220 | $21.74 | $38,053 | $3,171 |
| 25th percentile | $61,170 | $29.41 | $50,430 | $4,203 |
| Median (50th) | $80,540 | $38.72 | $64,057 | $5,338 |
| 75th percentile | $166,740 | $80.16 | $121,430 | $10,119 |
| 90th percentile (top earners) | $307,940+ | $148.05 | $212,465 | $17,705 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Ohio resident, 2026 tax rules.
What $80,540 buys in Cincinnati, OH
Prices in Cincinnati, OH are 4.6% lower than the U.S. average (housing costs are 12% below the national average). Adjusted for local prices, a median personal financial advisor's $64,057 take-home pay has the buying power of $67,167 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Cincinnati, OH has 1.3× 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
Cincinnati, OH ranks #21 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 |
| 21 | Cincinnati, OH | $80,540 | $64,057 | $67,167 |
*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 Cincinnati, OH?
The median personal financial advisor salary in the Cincinnati, OH-KY-IN metro area is $80,540 a year, or about $38.72 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $61,170 and $166,740.
What is a personal financial advisor’s take-home pay in Cincinnati, OH?
On the median $80,540 salary, a single filer living in Ohio takes home about $64,057 a year ($5,338 a month) after federal tax, Social Security, Medicare and $1,432 in Ohio taxes in 2026.
Is Cincinnati, OH a good place to work as a personal financial advisor?
Pay here is 23% below the national median of $105,070. Local prices are 4.6% below the U.S. average, so the take-home pay buys what $67,167 would in a typical U.S. city. Cincinnati, OH ranks #21 of 23 metro areas for cost-of-living-adjusted pay in this job.
Can a personal financial advisor afford rent in Cincinnati, OH?
HUD’s fair market rent for a one-bedroom in Cincinnati, OH is $1,043 a month ($1,342 for two bedrooms) — 20% of a median personal financial advisor’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Cincinnati, OH
- Management Analyst — $97,360
- Project Management Specialist — $95,380
- Financial and Investment Analyst — $86,040
- Accountant and Auditor — $80,640
- Compliance Officer — $79,310
- Business Operations Specialists, All Other — $77,610
- Buyer and Purchasing Agent — $77,070
- Market Research Analyst and Marketing Specialist — $75,750
- Human Resources Specialist — $73,010
- Training and Development Specialist — $68,390