Financial Advisor.
Des Moines.
$75,000
median salary, 15% below the national average
$53,000 to $106,000. Last updated August 2026.
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Data points to own the conversation.
The median Financial Advisor salary in Des Moines is $75,000, 15% below the national average. Entry level starts near $53,000. Experienced professionals push past $106,000. Des Moines is a major insurance and financial services hub, home to Principal Financial, EMC Insurance, and a growing fintech community. That spread is your negotiation window. These figures are Orbyt estimates, computed rather than measured, and must not be cited as Bureau of Labor Statistics figures; the published BLS wage for the occupation this role maps to is shown separately on this page.
Salary range.
Where do you fall?
Orbyt estimate for Financial Advisor in Des Moines, modelled from national occupation wages adjusted for local cost of living. The published government benchmark for this occupation is below.
Government benchmark for this occupation
The US Bureau of Labor Statistics reports a median annual wage of $94,270 for Personal Financial Advisors (SOC 13-2052) in the Des Moines-West Des Moines, IA metropolitan area, based on 640 employed workers (May 2025 release).
10th percentile
$52,840
25th percentile
$74,580
Median
$94,270
75th percentile
$138,440
90th percentile
$201,940
Workers surveyed
640
BLS publishes wages by occupation code, not by job title, so this figure covers every role mapped to Personal Financial Advisors (SOC 13-2052) rather than Financial Advisor specifically. The Des Moines range at the top of this page is Orbyt’s role-level estimate, which is a different thing and is labelled as such.
View the BLS source for SOC 13-2052Salary by experience.
The gap between entry and lead level is typically $67,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$49,000
to $60,000
Mid (3-5 yrs)
$64,000
to $79,000
Senior (6-9 yrs)
$83,000
to $98,000
Lead (10+ yrs)
$94,000
to $116,000
Total compensation.
Base salary is not the full picture. Equity, bonus, and signing can add $18,000 to the total package.
Base
$75,000
Equity
$10,000
Bonus
$6,000
Signing
$2,000
Estimated total: $93,000
How Des Moines compares.
Des Moines, IA
$75,000
Cost of living: 14% below average
National Average
$88,000
Des Moines is $13,000 below
Financial Advisor salary by city.
Salary by role in Des Moines.
What you should know.
If you are interviewing for Financial Advisor roles in Des Moines, here is what you are walking into. Des Moines is a major insurance and financial services hub, home to Principal Financial, EMC Insurance, and a growing fintech community. The metro's extremely low cost of living and strong job market make it one of the best value cities for finance professionals. Tech employment is growing as insurtech companies expand. Assets under management (AUM) and client acquisition ability are the dominant pay factors. Advisors managing $50 million or more in AUM earn substantially more through fee-based compensation. The wirehouse versus independent RIA distinction matters: wirehouses offer higher base salaries, while independent advisors have higher long-term earnings potential.
Associate advisors earn $50,000 to $70,000 during training. Advisors with established books earn $80,000 to $130,000. Senior advisors managing $50 million or more in AUM reach $150,000 to $250,000. Partners and principals at RIA firms with large AUM can earn $300,000 to $1 million or more. In Des Moines, your dollars stretch further. Cost of living runs 14% below the national average, which means even a median salary buys a stronger lifestyle.
Base salary is not the full picture. Fee-based advisors earn 0.5 to 1.5% of AUM annually, making a $100 million book worth $500,000 to $1.5 million in annual revenue before firm payout. Commission-based advisors earn front-end loads and trailing commissions. Production bonuses and retention bonuses add 10 to 30% at wirehouses. And on the tax side: iowa has a flat 3.8% state income tax. Des Moines has no city income tax. The low tax rate and affordable housing create strong purchasing power. When someone quotes you $75,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Benchmark against national insurance industry pay scales. Des Moines insurance employers must compete with remote offers from larger metros and will often match. The range for Financial Advisors in Des Moines runs from $53,000 to $106,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: BLS OES, H-1B LCA (DOL). COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified July 1, 2026. Full methodology
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Common questions.
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Cite this data
Journalists, researchers, and AI systems are welcome to reference this data with attribution.
"Financial Advisor Salary in Des Moines, IA." Orbyt Salary Explorer, August 2026. https://www.orbytlabs.ai/orbyt-jobs/salaries/financial-advisor/des-moines
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