How much does a Financial Advisor make in Hawaii?

BLS reports a median annual wage of $75,680 for Financial Advisors in Hawaii as of the latest OES release. That is the 50th-percentile figure — half earn more, half earn less. The 25th-percentile is $59,780 and the 75th-percentile is $147,420.

How are Hawaii Financial Advisor salaries calculated on this page?

Nominal wages come from BLS Occupational Employment and Wage Statistics (OES) — annual employer surveys, May 2026 reference period. Real-wage figures use BEA Regional Price Parities (2023 vintage) to adjust for state-level cost of living. No self-report or jobs-board data is mixed in.

How many Financial Advisors does Hawaii employ?

BLS OES counts 610 Financial Advisors employed in Hawaii in the most recent release. Employment density relative to population determines whether wage tiers reflect a robust competitive market or a thinner labor pool.

Why is the BEA RPP for Hawaii different from a single CPI number?

BEA splits regional price parity into three components — goods, services, and rents — reweighted to the BEA's national consumption basket. Hawaii's overall index of 109.7 reflects rents 128.7, services 191.7, and goods 110.3.

Where does Hawaii rank for Financial Advisor pay?

On nominal BLS wages alone, Hawaii ranks among the 51 states and DC by median pay. After the BEA cost-of-living adjustment the ordering changes — high-cost states fall, low-cost states rise. Both rankings are shown in the data table on this page.

Should I negotiate based on the BLS median for Hawaii?

The BLS median is a calibration anchor, not a ceiling. Use it to validate that an offer is in-band — anything well below the P25 in this state is a flag, anything above the P75 typically requires demonstrable specialty depth, niche credentials, or a high-COL metro within Hawaii.

CFP / CFA / ChFC credential premium in Hawaii?

BLS does not split by credential. CFP Board surveys and FA Insight industry studies typically show CFP charterholders earning 15-30% above non-CFP advisors at comparable AUM, concentrated in fee-only RIA channels where the credential is functionally required for client trust. CFA charter is rarer in retail wealth management — most relevant for advisors with high-net-worth or institutional book — but adds incremental premium. ChFC, CIMA, and CPWA fall in similar credential premium bands. In Hawaii, the credential premium is largest at the high-net-worth and ultra-high-net-worth end of the market and smaller in mass-affluent and bank-channel practices.

Financial Advisor Pay in Hawaii: $76K Median + Purchasing Power (2026)

TL;DR

Headline Financial Advisor pay in Hawaii is $75,680. Real take-home, after the state's cost-of-living index, lands at $68,986.
Nominal: #42/51 · Real: #47/51 — ranking shifts by 5 positions after RPP.
Cost adjustment is small — neither an arbitrage state nor a high-cost penalty.
Quartile range $59,780 (bottom 25%) to $147,420 (top 25%). BLS suppresses the P10 or P90 tail for this state, typically because the top tier exceeds the OES wage cap.

Wage breakdown — Hawaii

Percentile	Nominal (BLS)	Real (BEA RPP-adjusted)
P10 (entry tier)	$49,920	$45,505
P25 (lower quartile)	$59,780	$54,493
P50 (median)	$75,680	$68,986
P75 (upper quartile)	$147,420	$134,381
P90 (top tier)
Mean	$124,640	$113,616
Employment	610 Financial Advisors in Hawaii

Cost of living — BEA Regional Price Parity

Component	Hawaii index (US = 100)
All-items RPP	109.7
Goods	110.3
Services	191.7
Rents	128.7

Hawaii is a high-cost state — RPP 109.7 above the national 100 baseline. Most of the cost premium routes through rents (128.7) and services (191.7).

After-tax take-home — Hawaii (2024 BLS · 2024 tax year, single filer)

Layer-by-layer take-home math at the BLS median

Layer	Amount	Note
Gross BLS P50 (Financial Advisor)	$75,680	nominal median
Federal income tax	−$7,897	10.4% effective; std deduction $15,750 applied
State income tax	−$5,316	1.4–11% (12 brackets)
FICA (SS 6.2% + Medicare 1.45%)	−$5,790	SS capped at $183,600 wage base
Take-home (after-tax)	$56,678	74.9% of gross
Real take-home (RPP-adjusted)	$51,665	÷ (109.7 / 100) BEA cost-of-living

What the Hawaii state-tax burden means for Financial Advisor take-home

Hawaii carries one of the heavier state-tax loads in the country at this income tier (7.0% effective on the BLS median). Combined with federal and FICA, gross-to-take-home spread is 25.1%, leaving $56,678 pre-RPP and $51,665 after the 109.7 cost-of-living index — a $24,015 gap from the headline gross.

Computed from 2026 IRS federal brackets (Rev. Proc. 2025-32), 2026 state DOR brackets, and 2026 FICA rates. Single filer, standard deduction, no other adjustments. See methodology · tax for limitations (married filers, ITM/SALT itemizers, retirement deferrals, HSA, dependent credits, etc.).

National context

Across the United States, BLS reports a national median of $102,140 for Financial Advisors with mean pay of $160,210 and total employment of 270,480. Hawaii sits at #42 on nominal pay and #47 on real (cost-adjusted) pay among the 51 states and DC. After cost adjustment, Hawaii falls 5 positions — the cost premium eats into the headline wage.

Frequently asked questions

How much does a Financial Advisor make in Hawaii?: BLS reports a median annual wage of $75,680 for Financial Advisors in Hawaii as of the latest OES release. That is the 50th-percentile figure — half earn more, half earn less. The 25th-percentile is $59,780 and the 75th-percentile is $147,420.
How are Hawaii Financial Advisor salaries calculated on this page?: Nominal wages come from BLS Occupational Employment and Wage Statistics (OES) — annual employer surveys, May 2026 reference period. Real-wage figures use BEA Regional Price Parities (2023 vintage) to adjust for state-level cost of living. No self-report or jobs-board data is mixed in.
How many Financial Advisors does Hawaii employ?: BLS OES counts 610 Financial Advisors employed in Hawaii in the most recent release. Employment density relative to population determines whether wage tiers reflect a robust competitive market or a thinner labor pool.
Why is the BEA RPP for Hawaii different from a single CPI number?: BEA splits regional price parity into three components — goods, services, and rents — reweighted to the BEA's national consumption basket. Hawaii's overall index of 109.7 reflects rents 128.7, services 191.7, and goods 110.3.
Where does Hawaii rank for Financial Advisor pay?: On nominal BLS wages alone, Hawaii ranks among the 51 states and DC by median pay. After the BEA cost-of-living adjustment the ordering changes — high-cost states fall, low-cost states rise. Both rankings are shown in the data table on this page.
Should I negotiate based on the BLS median for Hawaii?: The BLS median is a calibration anchor, not a ceiling. Use it to validate that an offer is in-band — anything well below the P25 in this state is a flag, anything above the P75 typically requires demonstrable specialty depth, niche credentials, or a high-COL metro within Hawaii.
CFP / CFA / ChFC credential premium in Hawaii?: BLS does not split by credential. CFP Board surveys and FA Insight industry studies typically show CFP charterholders earning 15-30% above non-CFP advisors at comparable AUM, concentrated in fee-only RIA channels where the credential is functionally required for client trust. CFA charter is rarer in retail wealth management — most relevant for advisors with high-net-worth or institutional book — but adds incremental premium. ChFC, CIMA, and CPWA fall in similar credential premium bands. In Hawaii, the credential premium is largest at the high-net-worth and ultra-high-net-worth end of the market and smaller in mass-affluent and bank-channel practices.

Sources & methodology

U.S. Bureau of Labor Statistics — Occupational Employment and Wage Statistics (OES), SOC 13-2052, 2024 reference period.
U.S. Bureau of Economic Analysis — Regional Price Parities, 2023 vintage (all-items, goods, services, rents).
Real-wage figures = nominal BLS wage ÷ (state RPP / 100).
See the methodology page for full computation details and limitations.

By Marcus Liang · Founder & Editor · Last synced 2026-05-08.

Cross-comparison: see how Hawaii Financial Advisor pay ranks against the other 254 state × occupation pages on the Real Wage Atlas → — four-way ranking by real wage, after-tax take-home, state-tax savings, and cost-of-living arbitrage.