Personal Financial Advisors in Rhode Island
May 2025 wages · tax year 2026
You keep
$62,663
after federal, FICA and Rhode Island tax
Tax takes
$17,537
21.9% of the whole
Worth, in national money
$61,791
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
$80,200
Kept after tax
$62,663
Worth in national money
$61,791
State rank
37
of 49 states
What this pays, and what it is worth
- The nominal figure here is modest. Rhode Island pays personal financial advisors a middle wage of $80,200, 37 of 49 states and about 23.67% below the national middle. Hold that thought until the adjusted numbers.
- Against other work in Rhode Island, this sits in the middle: 148 of 452 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Prices here sit close to the national average, so the adjustment changes little. From $80,200 the take-home is $62,663, which is worth about $61,791 in comparable money. Tax does most of the work here, not cost of living. The average is higher, $105,650, because the best-paid pull it up.
- Rhode Island's $80,200 median for personal financial advisors places it 37 of 49 states, about 23.67% below national. Because both the tax and price adjustments tend to favor lower-nominal states, this ranking is the least stable of the three reported here.
- Personal financial advisors ranks 148 of 452 occupations in Rhode Island by median pay, in the middle bands. Within-state and national positions are separate measurements and a job commonly sits in different quartiles on each.
- Rhode Island's price level is near the national average, so price deflation is close to neutral for personal financial advisors on its $80,200 median: $62,663 retained after tax becomes $61,791 in national-average terms. Where the price adjustment is small, the tax stack is the dominant determinant of the real outcome. The mean of $105,650 sits above the median, the right skew typical of wage data.
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Pay band: Personal Financial Advisors
The state median for this job
| Lowest tenth earn under | $46,670 |
|---|---|
| Half earn under | $80,200 |
| Top tenth earn over | $164,230 |
| This salary | $80,200 |
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 | $62,663 |
|---|---|
| Take-home in Texas | $65,251 |
| Once local prices are leveledBEA price parity | +$5,357 |
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 | $76,522 |
|---|---|
| You could take a cut of | −$7,400 |
| Prices in Texas | 97 vs 101 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Rhode Island earn less than $80,200. The published range is $46,670 up to $164,230, so an individual figure can sit a long way from the middle in either direction.
- One filer, no dependants, no pension contributions — that is the household behind Rhode Island's $62,663, worked from $80,200. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 148 of 452.
- Two cautions on $61,791, the adjusted value of that $80,200 median. It levels out prices with a single number for all of Rhode Island. 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 148 of 452 locally.
- Reported values are medians; for personal financial advisors in Rhode Island the tenth-to-ninetieth percentile band is $46,670 to $164,230. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The Rhode Island take-home of $62,663, on $80,200 for work ranking 148 of 452 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 148 of 452 in the state.
- This $61,791 adjusted figure, worked from $80,200, 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 148 of 452 in the state. The occupation ranks 148 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 $105,650, 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 $46,670, the highest tenth $164,230, and what separates them is experience, employer and what exactly the role does.
Does a bigger number here mean I am better off?
A larger wage in a dearer place is not automatically more. Adjusted for local prices, this pay behaves like $61,791 of national purchasing power.
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; Rhode Island then takes its own share, leaving $62,663.
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 49 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 $105,650. 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 ($46,670) and the ninetieth ($164,230) 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 $61,791 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 $62,663 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 49 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.