Financial Risk Specialists in Rhode Island
May 2025 wages · tax year 2026
You keep
$78,715
after federal, FICA and Rhode Island tax
Tax takes
$25,755
24.7% of the whole
Worth, in national money
$77,619
Rhode Island costs more than average
On that salary you would be around the 25th percentile for this work in Rhode Island — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$104,470
Kept after tax
$78,715
Worth in national money
$77,619
State rank
18
of 50 states
What this pays, and what it is worth
- Middling, nationally. Rhode Island pays financial risk specialists around $104,470 at the midpoint, 18 of 50 states. The interesting numbers on this page are the two below it.
- Within Rhode Island this is well-paid work. Of 452 occupations with published figures in the state, financial risk specialists ranks 56 — in the top quarter of everything people do there.
- Cost of living is unremarkable here. From $104,470, tax leaves $78,715, and adjusting for local prices barely moves it — about $77,619 in comparable terms. Averages run higher here, $118,270, since top earners drag the number up.
- For financial risk specialists the Rhode Island median is $104,470, ranking 18 of 50 states reporting. Mid-band nominal positions are the ones most frequently reordered by the adjustments, because no large wage premium exists to absorb a state's tax or price level.
- Ranked against every occupation Rhode Island publishes a median for, financial risk specialists sits 56 of 452 — the upper quartile of the state's wage distribution. National standing and within-state standing are separate questions, and a job can occupy very different positions on each.
- Because Rhode Island sits close to the national price level, the real-terms figure for financial risk specialists — median $104,470 — tracks the post-tax figure closely: $78,715 retained, $77,619 adjusted. ⚠️ Neither is a wage; the second describes what the first buys. Mean pay of $118,270 exceeds the median, so the upper tail is doing the work.
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $59,290 |
|---|---|
| Half earn under | $104,470 |
| Top tenth earn over | $186,580 |
| This salary | $104,470 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Rhode Island | $78,715 |
|---|---|
| Take-home in Texas | $82,325 |
| Once local prices are leveledBEA price parity | +$7,099 |
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $99,339 |
|---|---|
| You could take a cut of | −$9,806 |
| Prices in Texas | 97 vs 101 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $104,470 as a midpoint for Rhode Island, not a promise. The tenth percentile is $59,290 and the ninetieth is $186,580 — a wide band, and where you land in it depends on far more than the state.
- That $78,715 take-home in Rhode Island comes from $104,470. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 56 of 452.
- One number stands for prices across all of Rhode Island, which is a simplification — big cities cost far more than small towns. Read $77,619, the adjusted value of that $104,470 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 56 of 452 in the state.
- The Rhode Island median of $104,470 describes the midpoint of a distribution spanning $59,290 to $186,580. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Retained pay of $78,715, from $104,470, assumes a single Rhode Island filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 56 of 452 locally, and the state ranks 18 of 50 for it.
- Price deflation uses one statewide parity for Rhode Island, so $77,619 — the adjusted value of that $104,470 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 56 of 452 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $118,270, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $59,290 and the top tenth $186,580 — experience, employer and specialism separate them, and a single figure hides all three.
Does a bigger number here mean I am better off?
Not on its own. Prices in Rhode Island run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $77,619 — the wage did not change, only what it covers.
Where does the difference between the wage and my paycheck go?
Three of them are federal and one is not. After income tax, Social Security, Medicare and Rhode Island's own levy, $78,715 remains.
Why is this job missing from some states?
Because the survey suppresses a figure when too few employers report it. This occupation has published pay in 50 states — the rest are withheld to protect confidentiality, which is not the same as nobody doing the work there.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in Rhode Island is $118,270. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($59,290) and the ninetieth ($186,580) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
How does the state price level affect real compensation?
Rhode Island's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $77,619 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $78,715 reflects federal income tax, OASDI, Medicare and Rhode Island income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Why does this occupation lack published estimates in every state?
BLS suppresses estimates failing disclosure or reliability criteria. This occupation has published state-level estimates in 50 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.