Last updated: 2025 BLS data · Page refreshed:
How much does a Personal Financial Advisors actually take home in Arizona?
2.5% flat rate — 23.7% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Personal Financial Advisors earning $96,950 in Arizona (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $96,950 | — |
| Federal Income Tax | -$13,170 | 13.6% |
| Arizona State Income Tax | -$2,423 | 2.5% |
| Social Security (OASDI) | -$6,010 | 6.2% |
| Medicare | -$1,405 | 1.5% |
| Total Taxes | -$23,010 | 23.7% |
| Take-Home Pay | $73,939 | 76.3% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Personal Financial Advisors in Arizona.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $45,330 | -$8,056 | $37,273 | 17.8% |
| 25th Percentile (P25) | $59,610 | -$11,219 | $48,390 | 18.8% |
| Median (P50) | $96,950 | -$23,010 | $73,939 | 23.7% |
| 75th Percentile (P75) | $148,090 | -$40,111 | $107,978 | 27.1% |
| 90th Percentile (P90) | $212,630 | -$60,021 | $152,608 | 28.2% |
After federal income tax ($13,170), state tax ($2,423), and FICA ($7,416), a Personal Financial Advisors in Arizona takes home $73,939 per year — or $6,161 per month. The effective tax rate of 23.7% is relatively low compared to the national range.
With an effective total rate of 23.7%, a Personal Financial Advisors in Arizona keeps $73,940 of $96,950 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Arizona applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Personal Financial Advisors salary that contributes $2,424 to the 2.5% effective state-tax burden.
Federal income tax ($13,170) accounts for 57% of the total tax bill — the single largest deduction. FICA adds $7,417 (32%), and state tax the remaining $2,424 (11%).
A Personal Financial Advisors earning this gross in a no-income-tax state (e.g., Texas, Florida) would take home approximately $76,363 — only $2,424 (3.3%) more than in Arizona.
Arizona ranks #21 of 49 states for Personal Financial Advisors after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $73,940 net/year works out to $6,162/month or $2,844/bi-weekly for this Personal Financial Advisors in Arizona — the numbers that actually hit a checking account after every deduction.
Where does a Personal Financial Advisors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Arizona ranks #21 out of 49 states for Personal Financial Advisors after-tax take-home pay.
A Personal Financial Advisors in Arizona earning a median salary of $96,950 will take home approximately $73,939 per year after federal income tax ($13,170), state income tax ($2,423), and FICA ($7,416). That is $6,161 per month or $2,843 per bi-weekly paycheck.
The effective total tax rate for a Personal Financial Advisors in Arizona is 23.7%, broken down as: federal income tax 13.6%, Arizona state tax 2.5%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Arizona has a 2.5% flat rate. On a Personal Financial Advisors's median salary of $96,950, the state income tax amounts to $2,423 per year, which is an effective state rate of 2.5%.
After all taxes, a Personal Financial Advisors in Arizona takes home approximately $6,161 per month, or about $35.55 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $96,950 for Personal Financial Advisors in Arizona, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Arizona state income tax (2.5% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $73,939/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR