Personal Financial Advisors pay range in St. Cloud
New workers and the lowest-paid 10% earn about $47,090 a year or less, while the top 10% make $235,430 or more. The middle half of personal financial advisors in St. Cloud earn between $58,780 and $121,110.
- $47K10th
- $59K25th
- $78KMedian
- $121K75th
- $235K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $103,750 | $8,646 | $49.88 |
| Median | $77,530 | $6,461 | $37.27 |
| Entry level (25th percentile) | $58,780 | $4,898 | $28.26 |
| Experienced (75th percentile) | $121,110 | $10,092 | $58.23 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Personal Financial Advisors pay in St. Cloud vs. Minnesota and the U.S.
Personal financial advisors in St. Cloud earn 27% less than the Minnesota average ($141,760) and 34% less than the U.S. average ($156,670). At the median the gap is -26% against the U.S. median of $105,070.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| St. Cloud | $103,750 | $77,530 | $47,090 | $235,430 | 190 |
| Minnesota | $141,760 | $102,660 | $47,520 | $310,730 | 5,280 |
| United States | $156,670 | $105,070 | $50,190 | $357,020 | 266,800 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Personal Financial Advisors salary after taxes in St. Cloud
On the average salary of $103,750, a single filer in St. Cloud takes home about $76,287 a year, or $6,357 a month and $2,934 every two weeks. Taxes take 26% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Minnesota Paid Leave premiums are not included.
Is St. Cloud a good place for personal financial advisors? Pay vs. cost of living
Prices in the St. Cloud area are 12% below the U.S. average (BEA price parity 87.6), so the average $103,750 buys what about $118,393 would buy in a typical U.S. metro. This job pays 1.5 times the median wage of all jobs in St. Cloud ($50,840). A typical home costs $318,864, or 3.1 years of this average salary before tax.
Personal Financial Advisors salary in other Minnesota cities
St. Cloud ranks 5th of 5 Minnesota metro areas for this job; Minneapolis pays the most ($147,470).
- Minneapolis$147,470
- Rochester$137,990
- Mankato$129,320
- Duluth$126,910
- St. Cloud$103,750
Highest-paying cities for personal financial advisors
Staunton, VA pays this job the most of the metro areas we cover ($258,100).
- Staunton, VA$258,100
- Naples, FL$227,090
- New York, NY$217,170
- Macon, GA$214,380
- San Francisco, CA$214,350
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Personal Financial Advisors salary in St. Cloud: questions
How much do personal financial advisors make an hour in St. Cloud?
$49.88 an hour on average, and $37.27 at the median (BLS, May 2025).
What is the entry-level personal financial advisors salary in St. Cloud?
The lowest-paid 10% earn about $47,090 a year and the 25th percentile is $58,780, a fair guide to starting pay.
What is the personal financial advisors take-home pay in St. Cloud?
About $76,287 a year ($6,357 a month) for a single filer on the average salary of $103,750. Minnesota Paid Leave premiums are not included.
Do personal financial advisors earn more in St. Cloud than elsewhere?
The average here is 34% less than the U.S. average for this job ($156,670).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2052; area St. Cloud, MN (41060). Relative standard error of the mean wage: 8.5%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Minnesota Paid Leave premiums are not included.
- Job concentration: location quotient 1.07, this job is about as common as in the U.S. overall.
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