Personal Financial Advisors in Tennessee
May 2025 wages · tax year 2026
You keep
$68,037
after federal, FICA and Tennessee tax
Tax takes
$16,123
19.2% of the whole
Worth, in national money
$73,541
Tennessee costs less than average
On that salary you would be around the 25th percentile for this work in Tennessee — 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
$84,160
Kept after tax
$68,037
Worth in national money
$73,541
State rank
36
of 49 states
What this pays, and what it is worth
- The nominal figure here is modest. Tennessee pays personal financial advisors a middle wage of $84,160, 36 of 49 states and about 19.9% below the national middle. Hold that thought until the adjusted numbers.
- This is one of the better-paid jobs in Tennessee. It ranks 81 out of 491 occupations the state publishes figures for, which puts it in the top quarter locally.
- Tennessee is cheaper than average, and that shows up here. From $84,160 the take-home is $68,037; adjusted for what things actually cost, it goes as far as $73,541 would nationally. The average comes to $153,140, above the middle, thanks to the top of the range.
- Tennessee's $84,160 median for personal financial advisors places it 36 of 49 states, about 19.9% 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.
- Within Tennessee, personal financial advisors ranks 81 of 491 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.
- Post-tax income for personal financial advisors in Tennessee, on $84,160, is $68,037 — equivalent to $73,541 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $153,140 the mean overshoots the median — the usual right-skewed shape.
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Pay band: Personal Financial Advisors
The state median for this job
| Lowest tenth earn under | $44,170 |
|---|---|
| Half earn under | $84,160 |
| Top tenth earn over | $406,200 |
| This salary | $84,160 |
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 Tennessee | $68,037 |
|---|---|
| Take-home in Texas | $68,037 |
| Once local prices are leveledBEA price parity | −$3,527 |
The raise and the real gain point in opposite directions here.
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 | $84,160 |
|---|---|
| Raise you would need | +$4,871 |
| Prices in Texas | 97 vs 93 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of personal financial advisors in Tennessee earn under $84,160 and half over. The published range runs $44,170 at the tenth percentile to $406,200 at the ninetieth. Experience and employer move an individual a long way inside that.
- One filer, no dependants, no pension contributions — that is the household behind Tennessee's $68,037, worked from $84,160. 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 81 of 491.
- One number stands for prices across all of Tennessee, which is a simplification — big cities cost far more than small towns. Read $73,541, the adjusted value of that $84,160 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 81 of 491 in the state.
- Figures are distribution medians for personal financial advisors in Tennessee, not entry or offer rates. The published band runs $44,170 to $406,200; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- The Tennessee take-home of $68,037, on $84,160 for work ranking 81 of 491 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 81 of 491 in the state.
- Price deflation uses one statewide parity for Tennessee, so $73,541 — the adjusted value of that $84,160 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 81 of 491 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $153,140 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $44,170, the highest tenth $406,200, and what separates them is experience, employer and what exactly the role does.
What does this pay actually buy where I live?
More than the figure suggests. Prices in Tennessee sit below the national level, so take-home here stretches like $73,541 would elsewhere. The wage is the same; the ground it covers is larger.
Is most of this wage taxed away?
Less than people assume. $68,037 of this wage reaches your account, because Tennessee takes no income tax from wages — but federal tax, Social Security and Medicare still apply exactly as they do everywhere else.
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 Tennessee is $153,140. 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 ($44,170) and the ninetieth ($406,200) 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.
What is this occupation's price-adjusted compensation in this state?
Tennessee's regional price parity is at or below the national average, so nominal wages understate purchasing power. Take-home deflated by the state price level is $73,541 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
Why is the take-home ratio comparatively high in this state?
Tennessee levies no personal income tax on wages, so take-home of $68,037 reflects the federal layer and FICA alone. Federal income tax and FICA are unchanged; states without a wage income tax generally recover revenue through consumption and property bases instead.
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.