Financial Advisor.
Knoxville.
$80,000
median salary, 9% below the national average
$56,000 to $113,000. Last updated April 2026.
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Data points to own the conversation.
The median Financial Advisor salary in Knoxville is $80,000, 9% below the national average. Entry level starts near $56,000. Experienced professionals push past $113,000. Knoxville benefits from the presence of Oak Ridge National Laboratory, the University of Tennessee, and the Tennessee Valley Authority. That spread is your negotiation window.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $72,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$52,000
to $64,000
Mid (3-5 yrs)
$68,000
to $84,000
Senior (6-9 yrs)
$88,000
to $104,000
Lead (10+ yrs)
$100,000
to $124,000
Salary trend
+7% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $19,000 to the total package.
Base
$80,000
Equity
$10,000
Bonus
$7,000
Signing
$2,000
Estimated total: $99,000
How Knoxville compares
Knoxville, TN
$80,000
Cost of living: 11% below average
National Average
$88,000
Knoxville is $8,000 below
Financial Advisor salary by city
Salary by role in Knoxville
What you should know
Before you negotiate a Financial Advisor offer in Knoxville, understand the terrain. Knoxville benefits from the presence of Oak Ridge National Laboratory, the University of Tennessee, and the Tennessee Valley Authority. The national lab drives strong demand for research scientists, engineers, and data analysts. No state income tax and affordable living make it an attractive value proposition. 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 Knoxville, your dollars stretch further. Cost of living runs 11% 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: tennessee has no state income tax on wages. Knoxville has no city income tax. This zero income tax environment combined with very affordable housing creates excellent purchasing power. When someone quotes you $80,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Highlight Oak Ridge National Lab and DOE experience. National lab affiliations and security clearances command significant premiums in the Knoxville area. The range for Financial Advisors in Knoxville runs from $56,000 to $113,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
Considering a related role?
- A Physical Therapist in Knoxville earns $79,000 (1% less)
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Common questions.
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