BLS metro-level wage data places Personal Financial Advisors pay in St. Cloud, MN at a median of $77,530 per year ($37.27/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $105,070, St. Cloud pays 26% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 190 personal financial advisorss are employed across the St. Cloud MSA in SOC 13-2052.

The St. Cloud pay distribution spans from $47,090 at the 10th percentile to $235,430 at the 90th — a 5.0× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $58,780 and the 75th at $121,110, so half of St. Cloud-based personal financial advisorss earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so St. Cloud, MN covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide MN data, and peer-metro comparisons — a median is a starting point, not a ceiling.