Personal Financial Advisors in New Jersey
May 2025 wages · tax year 2026
You keep
$111,738
after federal, FICA and New Jersey tax
Tax takes
$46,832
29.5% of the whole
Worth, in national money
$102,622
New Jersey costs more than average
On that salary you would be around the 25th percentile for this work in New Jersey — 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
$158,570
Kept after tax
$111,738
Worth in national money
$102,622
State rank
2
of 49 states
What this pays, and what it is worth
- This is a good state for the work. New Jersey pays personal financial advisors a middle wage of $158,570, ranking 2 of 49 states and sitting about 50.92% above the national middle.
- This is one of the better-paid jobs in New Jersey. It ranks 28 out of 490 occupations the state publishes figures for, which puts it in the top quarter locally.
- Costs eat into it here. Of $158,570, tax leaves $111,738 — and because New Jersey is dearer than average, that stretches only as far as $102,622 would nationally. Averages run higher here, $191,890, since top earners drag the number up.
- New Jersey's median for personal financial advisors is $158,570, about 50.92% above the national figure and 2 of 49 states reporting. Whether that premium reaches the worker depends on the two adjustments below, which is the part a wage table cannot tell you.
- Within New Jersey, personal financial advisors ranks 28 of 490 occupations by median pay, placing it in the top quartile of the local distribution. This is the comparison a resident actually makes — against neighbors rather than against the same job elsewhere.
- After tax, $111,738 remains from the New Jersey median of $158,570 for this occupation. Applying the state's above-average price parity yields $102,622 in national-average terms — the quantity relevant to a relocation decision, and the one absent from essentially every published wage comparison. Mean pay of $191,890 exceeds the median, so the upper tail is doing the work.
Compare this career across states
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Pay band: Personal Financial Advisors
The state median for this job
| Lowest tenth earn under | $78,860 |
|---|---|
| Half earn under | $158,570 |
| Top tenth earn over | $374,530 |
| This salary | $158,570 |
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 New Jersey | $111,738 |
|---|---|
| Take-home in Texas | $119,649 |
| Once local prices are leveledBEA price parity | +$20,505 |
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 | $146,996 |
|---|---|
| You could take a cut of | −$29,153 |
| Prices in Texas | 97 vs 109 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in New Jersey earn less than $158,570. The published range is $78,860 up to $374,530, so an individual figure can sit a long way from the middle in either direction.
- In New Jersey the take-home figure of $111,738, from $158,570, assumes one filer, no dependants, and nothing paid into a pension before tax. Each of those lowers the bill, so treat it as the plain case. City and school-district income taxes are not included either, and in a few states those are real money. It ranks 28 of 490 occupations here.
- Two cautions on $102,622, the adjusted value of that $158,570 median. It levels out prices with a single number for all of New Jersey. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 28 of 490 locally.
- Reported values are medians; for personal financial advisors in New Jersey the tenth-to-ninetieth percentile band is $78,860 to $374,530. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for New Jersey is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $111,738 from $158,570. Each omitted item reduces taxable income, so the figure is a lower bound on retained pay for this household shape. Municipal and school-district income taxes are excluded, which understates the burden materially in Ohio, Pennsylvania and Maryland. The occupation ranks 28 of 490 locally.
- This $102,622 adjusted figure, worked from $158,570, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 28 of 490 in the state. The occupation ranks 28 of 490 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $191,890, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $78,860, the highest tenth $374,530, and what separates them is experience, employer and what exactly the role does.
Does a bigger number here mean I am better off?
The number and the value are different things. New Jersey costs more than the national average, so this take-home stretches like $102,622 rather than its face figure.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; New Jersey then takes its own share, leaving $111,738.
Why is this job missing from some states?
The survey withholds small samples rather than publish an unreliable number. Pay appears for 49 states here, and a missing state means too few reports, not no jobs.
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 New Jersey is $191,890. 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 ($78,860) and the ninetieth ($374,530) 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?
New Jersey's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $102,622 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 $111,738 reflects federal income tax, OASDI, Medicare and New Jersey 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 49 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.