Updated May 2026 · BLS OEWS 2025
Personal Financial Advisor Salary in Des Moines, IA
Finance · SOC 13-2052 · COL Index 93.3
Personal Financial Advisors in Des Moines, IA earn a median salary of $94,270 as of 2025, with a 10th-to-90th percentile range of $52,840 to $201,940. The mean is $127,440 across approximately 640 workers. Adjusted for Des Moines, IA's cost-of-living index of 93.3, the median equates to $101,040 of purchasing power in an average-cost U.S. metro.
Personal Financial Advisor in Des Moines, IA pays below the national median: $94,270 locally versus $102,203. The discount usually reflects either lower cost-of-living, smaller local industry concentration, or weaker labor demand.
Cost-of-living in Des Moines, IA runs below the national baseline (index 93.3). The cost-adjusted purchasing power of $94,270 works out to roughly $101,040 in national-baseline dollars — often higher real income than in high-cost coastal cities at the same gross wage. Wage distribution at the 25th, 50th, 75th, and 90th percentiles: $69,412, $94,270, $148,105, $201,940. 640 Personal Financial Advisor workers are documented in Des Moines, IA per the BLS OEWS survey. The percentile spread is the most useful framing — entry-level pay clusters near p25, mid-career near p50, senior-level near p75-p90.
Salary Distribution
Percentile Breakdown
| Percentile | Salary | COL-Adjusted |
|---|---|---|
| 10th Percentile (Entry Level) | $52,840 | $56,635 |
| 25th Percentile | $69,412 | $74,397 |
| 50th Percentile (Median) | $94,270 | $101,040 |
| 75th Percentile | $148,105 | $158,741 |
| 90th Percentile (Top Earners) | $201,940 | $216,442 |
What These Numbers Tell You
The spread between the 10th and 90th percentile for Personal Financial Advisors in Des Moines, IA is unusually wide — top earners take home roughly 3.8× what the bottom decile earns. That signals a long career ladder: substantial pay gains accrue with seniority, specialization, and movement to larger employers. Workers entering this role should expect to start near the 25th percentile and target the median by year three to five.
Des Moines, IA's cost-of-living index of 93.3 runs below the U.S. average, so a $94,270 salary here has the equivalent purchasing power of about $101,040 in an average-cost metro. Lower nominal pay in markets like this often translates to comparable or better real income than higher headline numbers in coastal hubs.
Des Moines, IA ranks #48 of 68 BLS-tracked metros for Personal Financial Advisor pay — in the lower half nationally (71th percentile). Lower nominal pay here is often offset by a lower cost of living; check the COL-adjusted figure on this page for an apples-to-apples comparison.
How to Use This in Negotiation
The classic negotiation move is to anchor your ask on the 75th percentile of the BLS band — $148,105 for Personal Financial Advisors in Des Moines, IA — when you have meaningful experience, then bring evidence (years on the job, scope of past work, relevant certifications, comparable offers) to justify why you sit at that point in the distribution. Anchoring on the median when you have 5+ years of experience leaves money on the table; anchoring on the 90th percentile ($201,940) without strong evidence undercuts credibility.
For new entrants, the 25th-to-50th percentile band ($69,412–$94,270) is the realistic target. For mid-career workers, the median-to-75th band ($94,270–$148,105) is the right anchor. Senior specialists and managers should be benchmarking against the 75th-to-90th band ($148,105–$201,940).
For specific scripts and a full negotiation framework, see the data-driven salary negotiation guide. To benchmark your current pay, the salary percentile calculator places any number into the BLS distribution for this role and metro.
How This Salary Is Calculated
Wage figures come from the U.S. Bureau of Labor Statistics' Occupational Employment and Wage Statistics (OEWS) program — a federal survey of about 1.2 million U.S. establishments, published once per year by Metropolitan Statistical Area (MSA) and Standard Occupational Classification (SOC) code. The Des Moines, IA percentile bands above (10th, 25th, 50th, 75th, 90th) and the mean are pulled directly from the BLS data file for SOC code 13-2052 in this MSA. The COL-adjusted figure rebases salary to a U.S. national average COL of 100, using a composite index derived from public housing, food, and transportation data. Read the full methodology for details.
Frequently Asked Questions
What is the average Personal Financial Advisor salary in Des Moines, IA?
Personal Financial Advisors in Des Moines, IA earn a median salary of $94,270 as of 2025, based on Bureau of Labor Statistics OEWS data. The mean (employment-weighted average) is $127,440 across roughly 640 workers in this metro.
What is the salary range for Personal Financial Advisors in Des Moines, IA?
Pay ranges from $52,840 at the 10th percentile to $201,940 at the 90th percentile — a $149,100 spread. The 25th-to-75th percentile band ($69,412 to $148,105) is the typical anchor for salary negotiation.
Is $94,270 a good Personal Financial Advisor salary in Des Moines, IA?
$94,270 is the BLS median — half of Personal Financial Advisors in Des Moines, IA earn more, half earn less. Whether it is "good" depends on your experience: new entrants typically land near the 25th percentile ($69,412), mid-career workers near the median, and senior specialists near or above the 75th percentile ($148,105). Cost-of-living-adjusted to a national average baseline, the median equates to $101,040.
How does Personal Financial Advisor pay in Des Moines, IA compare to other metros?
Des Moines, IA ranks #48 of 68 BLS-tracked metros for Personal Financial Advisor median pay. Nominal pay is in the lower half of U.S. metros, though the cost of living usually offsets at least part of that gap.
Where does this Personal Financial Advisor salary data come from?
Every wage figure comes from the U.S. Bureau of Labor Statistics' Occupational Employment and Wage Statistics (OEWS) program at bls.gov/oes — public domain federal data covering 1.2 million U.S. employers. The same data feeds the U.S. Department of Labor's prevailing wage system used for H-1B and federal contracting wage determinations.
Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, Des Moines, IA MSA, SOC 13-2052, 2025 release. Public domain. See bls.gov/oes. Cite as: "SalaryTruth, BLS OEWS 2025."
Last refreshed 2026-05-21 · 640 Personal Financial Advisors tracked in Des Moines, IA.