4 Best Financial Services in New York (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 8 min read

Financial services in New York cover wildly different needs, a small business chasing working capital has nothing in common with a retiree planning a withdrawal strategy. The names on this page have logged 1,305 reviews between them, and all but one sit at 4.7 stars or higher, though the review counts range from just 16 up to 1,173, so track record varies a lot more than the star rating alone suggests.

Short answer: The most-reviewed name here is Premium Merchant Funding (4.7 stars, 1,173 reviews), a business funding broker in Lower Manhattan. For personal financial planning, Francis Financial holds a perfect 5.0 across 51 reviews, specializing in guidance through divorce and major life transitions. This page covers distinct services, not one category, so match the business to your actual need.

Jump to a business

1. Premium Merchant Fundi…
2. Francis Financial, Inc…
3. New York Institute of…
4. Joel Cunningham, Finan…
Get listed

Four Very Different Financial Services in New York

#	Business	Rating	Reviews	Best for
1	Premium Merchant Funding	4.7 ★	1,173	Business funding and loans	View ›
2	Francis Financial, Inc.	5.0 ★	51	Divorce and life-transition planning	View ›
3	New York Institute of Finance	4.7 ★	65	Finance education and certificates	View ›
4	Joel Cunningham, Financial Services Professional - New York Life	5.0 ★	16	Life insurance and one-on-one guidance	View ›

4 Best Financial Services in New York (2026)

Our top picks, reviewed

#1 Overall🕑 Open 6 days/wk↩ Responds to reviews

Premium Merchant Funding

4.71,173 Google reviews

Premium Merchant Funding is a financial institution and loan broker based in Lower Manhattan that connects small businesses with funding and consolidation options. It operates as a broker rather than a direct lender, working through individual representatives to structure deals for business owners. It carries by far the largest review base of any business on this page.

What people praise

Individual brokers praised as honest, responsive, and easy to work with
Clients describe the funding process as simple once matched with the right representative
Broker willingness to explain terms and answer questions

Worth knowing

Some reviewers report the actual funding amount or payment terms did not match what was initially promised
Multiple complaints describe frequent, unwanted follow-up calls and texts

Reputation scorecardrank in New York

Rating4.7 / 5

Review volume1,173 · 96th

Confidencevery high

Recency2 weeks ago

Info completenesssite · phone · hours

Rating breakdown90% 5-star

✓ VerifiedSource: Google

Our take: The most-reviewed option here, but the negative reviews describe a meaningful gap between what was promised and what was delivered on some deals. Get every term in writing before you sign, and confirm the numbers match what you were told verbally.

Website +1877-763-6186 Directions

1 Water St Fl 48, New York, NY 10004

#2🕑 Open 5 days/wk↩ Responds to reviews

Francis Financial, Inc.

5.051 Google reviews

Francis Financial is a fee-only, fiduciary financial planning firm in Lower Manhattan that specializes in helping clients, particularly women, through divorce, widowhood, and other major financial transitions. Its services span wealth management, divorce financial planning, and retirement guidance, and it connects clients with a wider network of professionals like accountants and estate attorneys. The firm discloses that some client reviews were written with help from a third-party marketing agency transcribing spoken feedback, without altering the content or compensating clients directly.

What people praise

Clients consistently describe feeling supported through difficult life transitions
Clear communication and patience explaining unfamiliar financial concepts
Connects clients with a network of vetted professionals for related needs
Fee-only, fiduciary structure disclosed upfront on its website

Worth knowing

Smaller review base than Premium Merchant Funding, though every review is currently five stars

Reputation scorecardrank in New York

Rating5 / 5

Review volume51 · 75th

Confidenceearly

Recency3 weeks ago

Info completenesssite · phone · hours

Rating breakdown100% 5-star

✓ VerifiedSource: Google

Our take: The strongest reputation on this page for personal financial planning, especially around divorce or loss. As a fiduciary advisor, ask directly about its fee structure before your first paid meeting.

Website +1212-374-9008 Directions

39 Broadway Ste 1730, New York, NY 10006

#3🕑 Open 7 days

New York Institute of Finance

4.765 Google reviews

The New York Institute of Finance is a financial education provider near Wall Street offering professional certificate courses in areas like investment banking, wealth management, and corporate valuation. It was founded by the New York Stock Exchange and has operated for roughly a century, offering both in-person and online formats. It is a training institution rather than a firm managing money directly.

What people praise

Instructors described as knowledgeable and able to connect theory to real-world scenarios
Practical case studies and hands-on exercises praised across multiple courses
Flexible, self-paced online options available alongside in-person classes
Long-standing institutional history tied to the New York Stock Exchange

Worth knowing

Smaller review base than the top business funding option on this list

Reputation scorecardrank in New York

Rating4.7 / 5

Review volume65 · 82th

Confidenceearly

Recency2 months ago

Info completenesssite · phone · hours

Rating breakdown86% 5-star

✓ VerifiedSource: Google

Our take: The right call if you want structured finance education or a professional certificate rather than hands-on management of your own money. Its course-specific reviews suggest consistent quality across different program types.

Website +1347-842-2501 Directions

160 Broadway 15th floor, New York, NY 10038

#4🕑 Open 7 days

Joel Cunningham, Financial Services Professional - New York Life

5.016 Google reviews

Joel Cunningham is a New York Life financial services professional and life insurance agent based at 1 World Trade Center, offering term, whole, and universal life insurance, along with annuities, mutual funds, and retirement planning products through the New York Life platform. As an individual agent rather than a firm, clients work directly with him rather than a rotating team. His profile currently shows the smallest review base on this page.

What people praise

Reviewers describe a patient, unpressured approach to explaining options
Clear communication that makes complex insurance and investment products easier to understand
Responsive follow-up throughout the process

Worth knowing

Smallest review base on this list, so the pattern of praise is based on fewer data points

Reputation scorecardrank in New York

Rating5 / 5

Review volume16 · 54th

Confidenceearly

Recency13 days ago

Info completenesssite · phone · hours

Rating breakdown100% 5-star

✓ VerifiedSource: Google

Our take: A strong option if you specifically want life insurance or annuity guidance from a single, consistent agent, though its shorter review history means less data to weigh than the other names here.

Website +1212-261-0200 Directions

1 World Trade Center 39th Fl, New York, NY 10007

Your business here

Get listed on this page, in front of local customers already searching for you.

Claim this spot ›

How we score

Every number on this page is computed from public Google data on the date shown, not from opinion or payment. Rating is the business’s live Google star average. Review volume is how many customers have rated them, ranked against other New York financial services. Confidence weighs the rating by that volume, so a 4.7 from over a thousand people carries more weight than a 5.0 from a few dozen. Recency reflects how recently customers are still leaving reviews. No business can pay to change these numbers.

What do financial services cost in New York? (2026)

Costs vary enormously across the services on this page, from broker fees baked into a funding deal, to hourly or asset-based fees for financial planning, to course tuition, to insurance premiums based on your age and coverage. None of these businesses publish a single fixed price we can verify, and any figure would depend heavily on your specific situation. Ask each provider for a full, written breakdown of fees, commissions, or premiums before you commit, and understand exactly how they are compensated. A financial decision should never be made on the promise of a specific outcome or return.

Serving all of New York

The businesses above are based in Lower Manhattan and near Wall Street, an area long associated with financial services in New York, though several serve clients citywide and beyond. Searching for financial services near me? Every listing below shows a live phone number and directions so you can reach the closest option directly.

Best Financial Services in Los Angeles

What to ask before you hire a financial services provider

How are you compensated: fees, commissions, or both, and can you put that in writing?
Are you acting as a fiduciary, legally required to act in my best interest?
What are the specific terms of any funding, policy, or plan, in writing, before I sign anything?
What licenses or registrations do you hold, and can I verify them independently?
What happens if my circumstances change after we start working together?

Frequently asked questions

How did you choose these financial services businesses?

We started from every financial services business in New York with a public Google presence, then ranked by rating, review volume, consistency, and recency. See How we score above.

Are these rankings paid?

No. Rankings come from the public Google data in the scorecard. A business can pay to be a Featured Partner, which adds a badge and top placement, but that never changes another business’s score or position on the underlying data.

How often is this updated?

The data carries a verified date (July 2026 on this page). We refresh listings periodically so ratings and review counts stay current.

These businesses seem very different. Why are they on the same page?

They all matched a general search for financial services in New York, but they serve different needs: business funding, personal wealth planning, financial education, and insurance. Match the business to what you actually need rather than comparing them head to head.

How much do financial services cost in New York?

It depends entirely on the service and provider, from broker fees to advisory fees to course tuition to insurance premiums. None of the businesses on this page publish a single verifiable price, so get a full written breakdown of costs before committing to anything.

The bottom line

Match the business to your actual need rather than the overall ranking: Premium Merchant Funding for business capital, Francis Financial for personal planning through a major life change, NYIF for education, and Joel Cunningham for insurance and related products. Whichever you call, get every fee and term in writing before you commit.

Best Financial And Legal Services in other cities

More categories in New York

Own one of these businesses, or want to be here?

Claim your spot on this page: Basic listing $50 or Premium $100 for the top spot, held a full year. Both include a permanent link to your site.

Get listed See pricing