Last updated: 2025 BLS data · Page refreshed:
How much does a Personal Financial Advisors actually take home in Colorado?
4.4% flat rate — 24.9% 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 $89,280 in Colorado (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $89,280 | — |
| Federal Income Tax | -$11,482 | 12.9% |
| Colorado State Income Tax | -$3,928 | 4.4% |
| Social Security (OASDI) | -$5,535 | 6.2% |
| Medicare | -$1,294 | 1.4% |
| Total Taxes | -$22,240 | 24.9% |
| Take-Home Pay | $67,039 | 75.1% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Personal Financial Advisors in Colorado.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $57,020 | -$11,729 | $45,290 | 20.6% |
| 25th Percentile (P25) | $63,880 | -$13,592 | $50,287 | 21.3% |
| Median (P50) | $89,280 | -$22,240 | $67,039 | 24.9% |
| 75th Percentile (P75) | $132,450 | -$37,286 | $95,163 | 28.2% |
| 90th Percentile (P90) | $269,500 | -$86,434 | $183,065 | 32.1% |
After federal income tax ($11,482), state tax ($3,928), and FICA ($6,829), a Personal Financial Advisors in Colorado takes home $67,039 per year — or $5,586 per month. The effective tax rate of 24.9% is relatively low compared to the national range.
With an effective total rate of 24.9%, a Personal Financial Advisors in Colorado keeps $67,039 of $89,280 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Colorado 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 $3,928 to the 4.4% effective state-tax burden.
Federal tax on this Personal Financial Advisors salary is $11,483 (52%), but combined state ($3,928, 18%) + FICA ($6,830, 31%) make up the other 48% of the bill.
Moving this same Personal Financial Advisors salary to a zero-state-tax state would yield around $70,967 net — a gain of $3,928 (5.9%) per year versus Colorado.
Colorado ranks #36 of 49 states for Personal Financial Advisors after-tax pay — lower half of the national distribution. Either gross wages trail the national median, state tax is elevated, or both.
Translated into paycheck cadences, $67,039 net/year works out to $5,587/month or $2,578/bi-weekly for this Personal Financial Advisors in Colorado — 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.
Colorado ranks #36 out of 49 states for Personal Financial Advisors after-tax take-home pay.
A Personal Financial Advisors in Colorado earning a median salary of $89,280 will take home approximately $67,039 per year after federal income tax ($11,482), state income tax ($3,928), and FICA ($6,829). That is $5,586 per month or $2,578 per bi-weekly paycheck.
The effective total tax rate for a Personal Financial Advisors in Colorado is 24.9%, broken down as: federal income tax 12.9%, Colorado state tax 4.4%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Colorado has a 4.4% flat rate. On a Personal Financial Advisors's median salary of $89,280, the state income tax amounts to $3,928 per year, which is an effective state rate of 4.4%.
After all taxes, a Personal Financial Advisors in Colorado takes home approximately $5,586 per month, or about $32.23 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 $89,280 for Personal Financial Advisors in Colorado, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Colorado state income tax (4.4% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $67,039/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