How to become a financial advisor in Texas

To become a financial advisor in Texas, pass the Series 65 exam and have an investment adviser firm register you with the Texas State Securities Board as an investment adviser representative.

To also sell stocks, bonds or funds, you add the SIE, the Series 7 and a state law exam, and the Series 7 needs a brokerage firm to sponsor you. Life and health insurance is a separate license from a separate agency, the Texas Department of Insurance.

You can take the SIE and the Series 65 on your own while you are still in another job. No Texas rule requires a college degree, though BLS lists "Bachelor's degree"1 as the typical entry education for the job. For the state law exam, Texas accepts the Series 63, the Series 66 or its own Texas Securities Act exam, and a CFA, CFP® certification, PFS, CIMA or ChFC can replace the Series 65 (7 TAC 116.3).

DataMay 2025 OEWS, 2025 to 2035 projections, BEA 2024 price parities, Texas fee schedule and rules as read October 2026. Data updated

How we made this page

Quick facts

Securities regulator
Texas State Securities Board2
Exam to give advice for a fee
Series 65, or a FINRA representative exam such as the Series 7 plus the Series 66 or the Texas Securities Act exam3
Designations that replace the Series 65
CFA, CFP® certification, PFS, CIMA, ChFC3
State law exam to sell securities
Series 63 or Series 66 (or the Texas Securities Act exam)4
Registration fee, agent or representative
$355 to start, $206 to renew
Continuing education for representatives
Not adopted7 (checked October 29, 20267)
Insurance regulator
Texas Department of Insurance8
Life and health exam and application
$499 exam, $5010 application
Personal financial advisors employed, BLS May 2025
18,20011 (US 266,80012)
Median advisor wage, BLS May 2025, all employers
$99,16011, one in ten below $46,45011 and one in ten above $359,04011 (US median $105,07012)
Price level, BEA 2024
2.9%13 below the US average
  • Fees are as read October 29, 202614, and the Texas securities fees come from the Texas fee schedule dated January 1, 20226.
  • Wages are BLS survey figures for all employers and leave out the self-employed.

Which license path fits your goal?

What you want to do decides which exams you take and which agency registers you. Some roles need more than one row. In Texas, the Texas Securities Act exam can stand in for the Series 63 or 66, which lowers the exam cost. It is Texas's own exam, so if you may also register in another state, check that state's exam rule first.

Which license path fits your goal, Texas (Texas State Securities Board, FINRA, advisorroadmap.com arithmetic on FINRA and NASAA fees, Texas Department of Insurance; October 2026)
Your goalExamsFirm sponsor needed?Who registers youExam feesExams plus registration
Give investment advice for a feeSeries 65, or a waiver designationNo sponsor to sit the exam. An adviser firm files your registrationTexas State Securities Board2$18715$2225,15
Sell stocks, bonds and fundsSIE, Series 7, then the Series 63 or the Texas Securities Act examYes for the Series 7FINRA and the State Securities Board$64216-18 with the Series 63, $5306,16,17 with the Texas exam$83516-21 with the Series 63, $7236,16,17,19-22 with the Texas exam
Sell securities and give advice for a feeSIE and Series 7, plus the Series 66, or the Series 63 and Series 65, or the Texas Securities Act examYes for the Series 7FINRA and the State Securities Board$67216,17,23 with the Series 66, $5306,16,17 with the Texas exam$86516,17,19-23 with the Series 66, $7236,16,17,19-22 with the Texas exam
Sell mutual funds and variable products onlySIE, Series 6, Series 63, plus the insurance license for variable productsYes for the Series 6FINRA and the State Securities Board$34716,18,24$54016,18-21,24
Sell life, health and annuity insuranceTexas general lines life, accident, health and HMO examNoTexas Department of Insurance8$499$999,10
Exam fees are FINRA, NASAA and Pearson VUE prices, and the U4 and fingerprint fees are FINRA's, all as read October 29, 202614.

The last column adds the Texas registration fee, plus FINRA's U4 fee and electronic fingerprints on the brokerage rows, and counts one Texas fee where you register as both an agent and a representative with the same firm. The advice row leaves out any fee FINRA charges for its registration system and fingerprints, which the Board's getting started page says FINRA may add. The insurance total leaves out the fingerprint fee, and no total includes study materials or prep courses. Some employers pay these fees for people they sponsor and some do not, so ask before you enroll.

The license path finder shows the exams in order for your goal, and the cost and time tool and roadmap builder price and order your own path.

If you are still in another job, the order matters. The SIE, Series 63 and Series 65 can be booked without an employer (FINRA SIE page, NASAA exam FAQ), while the Series 7 and Series 6 wait until a firm hires you and enrolls you. The second career guide and the teacher and military guides cover the switch itself.

How do you register in Texas, step by step?

Texas does not issue a separate securities license. What people call a Texas securities license is your registration with the State Securities Board as an agent or investment adviser representative, which your firm files after you pass the exams. The Board's registration pages are the official source for each filing.

  1. Choose your route from the table above

    An advice-only role needs the Series 65 or a waiver designation. Selling securities needs a sponsoring brokerage firm, covered in how to get sponsored for the Series 7.

  2. Take the SIE if you will sell securities

    The fee is $10016 and a pass stays valid for 416 years. The SIE alone does not let you do any securities business. See FINRA's exam pages.

  3. Pass the qualifying exams

    You enroll yourself for the Series 65 through FINRA, and NASAA explains each state exam on its exam page. Your sponsoring firm enrolls you for the Series 7, and you then have 12025 days to sit it. For exam prep, Advisor Train covers the Series 65, and it also covers the SIE, Series 7, Series 63 and Series 66.

  4. Pass a state law exam if you will be a securities agent

    Texas accepts the Series 63, the Series 66 or an exam on the Texas Securities Act that the State Securities Board runs itself, which costs $356 to request (7 TAC 115.3).

  5. Your firm files your Form U4

    The firm submits the U4 with your fingerprints through FINRA's registration system. Texas charges $3519 to register as an agent or as a representative, and one fee covers both when you hold both registrations with the same firm (Section 4006.102 of the Texas Government Code). For an agent of a brokerage firm, FINRA also charges $12520 for each initial U4, and electronic fingerprints cost $3321 including the FBI fee (FINRA fees as read October 29, 202614). For a representative, the Board notes that filing the U4 schedules the Series 65 automatically if it is still needed. If your adviser firm is registered with the SEC rather than with Texas and you work from a place of business in Texas, Texas still takes a $356 notice filing for you. The U4 and background check guide explains what the form asks.

  6. Register within 226 years of passing

    After that the Series 7, 63, 65 and 66 lapse under the two-year rule. Texas has recognized NASAA's exam validity extension program since March 13, 202527, but it helps only people who were registered and then left, so it does not stretch an exam you passed and never used. For those who qualify, yearly continuing education can keep the Series 63 and 65 valid for up to 528 years (NASAA EVEP questions).

  7. Renew each registration

    Texas charges the same renewal fee for an agent or a representative. Some guides say the $355 initial fee is paid every year, but renewal is $206.

  8. Add the insurance license in parallel if your role needs it

    It runs through the Texas Department of Insurance, covered below.

If you plan to start your own advisory firm (a registered investment adviser), the firm registers too. It files Form ADV through IARD, pays Texas $7529, and sends its organizing documents, balance sheet, advisory contract and fee schedule to the Board, as the Board's getting started page lists. Larger firms register with the SEC instead, which the broker-dealer and RIA guide explains.

Which exam waivers does Texas accept?

Designations. Texas waives the representative exam for anyone who holds one of these designations, CFA, CFP® certification, PFS, CIMA, ChFC3, as listed in 7 TAC 116.3 (last amended March 13, 20253). This is Texas's own list. Guides that copy NASAA's national list add the MSFS, which Texas does not accept, and some leave out the CIMA, which it does. A designation waives only the Series 65. Selling securities still takes the FINRA exams and a state law exam. The CFP® certification guide covers what that credential takes.

Long registration history. An agent continuously registered with the SEC, FINRA or a listed exchange for the 104 years before applying skips the general exam but still passes a state law exam (7 TAC 115.3).

Case by case. You can ask in writing for a full or partial waiver, sent to the Registration Division with your application. The State Securities Board weighs the time since your last registration, your experience and your U4 disclosures, and generally decides within 227 weeks once it has what it needs. It also honors exam waivers FINRA has granted. Details are on the waiver page.

What does not count. FINRA's Maintaining Qualifications Program does not keep a Series 65 or Series 66 alive for representative registration in Texas (7 TAC 116.3).

What is different about Texas?

Does Texas require continuing education for advisors?

Not for investment adviser representatives. Texas has not adopted NASAA's continuing education rule for them and is not on NASAA's IAR CE map as of October 29, 20267. Some guides say Texas requires yearly continuing education. The yearly requirement that does exist is FINRA's, under FINRA Rule 1240, and it applies to agents of brokerage firms whatever state they work in.

What does Texas offer military applicants?

Under 7 TAC 115.18 and 7 TAC 116.18 (last amended March 26, 202630), service members and veterans whose military service, training or education substantially meets the registration requirements, and any military applicant already registered in another state, can ask the State Securities Board to waive or refund the initial application fee and the Texas law exam fee using Form 133.19. Military applicants registered in another state, or registered in Texas in the same role within the last 530 years, get expedited registration, and the Commissioner may waive exams on other proof of competency. The Board's military licensing rules and the military to advisor guide cover the rest of that path.

Why do older guides cite different Texas statute numbers?

The Texas Securities Act moved into the Texas Government Code on January 1, 202231. Pages written before then cite section numbers that no longer exist.

Do you need a Texas insurance license?

You need one to sell life, health or annuity products. It is the general lines life, accident, health and HMO license from the Texas Department of Insurance8, whose how to apply page is the official source. Variable annuities take both this license and a securities registration, because they are securities as well as insurance.

  1. Pass the state exam first

    Pearson VUE gives it, it costs $499 (Pearson VUE handbook dated October 20249) and it runs 1509 minutes. You must be at least 189 to sit it. TDI lists no pre-licensing course for this license. A Chartered Life Underwriter skips the exam.

  2. Get fingerprinted

    Start on TDI's online fingerprint portal, then book IdentoGO, which sends your prints to the Texas Department of Public Safety.

  3. Apply within 110 year of passing

    Otherwise you retake the exam. The application fee is $5010 as read October 29, 202614.

  4. Renew every 232 years

    Each renewal takes 249 hours of continuing education, 39 of them in ethics and at least half in a classroom or classroom equivalent setting, in TDI's words.

An appointing insurer can also get you a one-time temporary license for 18010 days, which needs 4010 hours of training the insurer gives. The licenses overview explains how advisors use the insurance license alongside securities registration.

Where are the financial advisor jobs in Texas, and what do they pay?

Personal financial advisors in Texas had a median annual wage of $99,16011 in May 2025, according to the BLS survey of all employers, with one in ten earning less than $46,45011 and one in ten more than $359,04011. The US median was $105,07012. BLS counted 18,20011 advisors on Texas payrolls, not counting the self-employed. These are survey figures, not a forecast of what any one person will earn.

Personal financial advisors (BLS, May 2025, all employers)

Texas

One in ten earn less than
$46,45011
Median
$99,16011
One in ten earn more than
$359,04011

United States

One in ten earn less than
$50,19012
Median
$105,07012
One in ten earn more than
$357,02012

The jobs sit mostly in the big metros. Dallas-Fort Worth alone has about 34%11,33 of Texas advisor jobs, and the four largest metros together about 77%11,33. Statewide, Texas has 1.311 advisor jobs per thousand jobs against 1.711,33 for the US, a location quotient of 0.7511, so advisors are less concentrated here than nationally. Securities sales agents are close to the US share (location quotient 0.9411) and insurance agents are above it (1.0911).

Nationally, BLS projects advisor jobs to grow 1%1 from 2025 to 2035, slower than the average for all occupations, with about 17,1001 openings a year, mostly to replace advisors who change jobs or retire. Older pages still print much faster Texas growth projections from earlier projection periods. Is financial advisor a good career? looks at what the outlook means for newcomers.

Where are the financial advisor jobs in Texas, and what do they pay, Texas (U.S. Bureau of Labor Statistics; May 2026)
Occupation (BLS, May 2025, all employers)Texas employedTexas medianOne in ten earn less thanOne in ten earn more thanUS median
Personal financial advisors (13-2052)18,20011$99,16011$46,45011$359,04011$105,07012
Securities and financial services sales agents (41-3031)41,64011$78,47011$48,16011$214,22011$78,66012
Insurance sales agents (41-3021)47,06011$51,18011$30,14011$128,59011$62,28012

By metro, Dallas, Austin and San Antonio have more advisor jobs per thousand than the state as a whole, Houston about the same and El Paso far fewer.

Where are the financial advisor jobs in Texas, and what do they pay, Texas (U.S. Bureau of Labor Statistics; May 2026)
Metro, personal financial advisors (BLS, May 2025, all employers)EmployedPer thousand jobsMedianOne in ten earn less thanOne in ten earn more than
Dallas-Fort Worth-Arlington6,230331.533Withheld by BLS33Withheld by BLS33Withheld by BLS33
Houston-Pasadena-The Woodlands4,130331.333$98,93033$49,12033$323,99033
Austin-Round Rock-San Marcos2,010331.633$95,99033$52,55033$410,60033
San Antonio-New Braunfels1,590331.433$101,43033$49,99033$314,40033
El Paso (small sample)110330.333$99,70033$41,83033$330,72033
LaredoNot published33Not published33Not published33Not published33Not published33
Texas18,200111.311$99,16011$46,45011$359,04011
United States266,800121.711,33$105,07012$50,19012$357,02012

BLS withholds Dallas-Fort Worth advisor wages and publishes no advisor row for Laredo, so any Dallas or Laredo advisor wage you see elsewhere did not come from this survey. Some pages still show Texas metro advisor wages from older surveys as if they were current.

How to read these numbers.

  • OEWS counts wage and salary workers only, so it leaves out self-employed advisors. Nationally, the BLS Occupational Outlook Handbook counts 299,4001 advisor jobs in 2025 including the self-employed, against 266,80012 in OEWS.
  • The counts are survey estimates with sampling error. BLS publishes a relative standard error for each, and El Paso's is larger than the statewide one, which is why its row is marked small sample.
  • The Texas mean of $146,00011 sits well above the median because the highest earners pull it up, so the median is the better guide to the middle of the range.
  • From the May 2025 survey on, BLS publishes the top tenth of advisor wages as a number instead of capping it at $239,20034, so pages using older data show a lower top end.
  • BLS warns against comparing survey years to track pay changes.
  • Salary sites built from job postings or self-reported pay publish different "averages" without a survey method behind them.

Neighboring states

The Texarkana metro reaches into Arkansas, so advisors there can have clients in two states. Each state sets its own fee and continuing education rule, so check each regulator before you file.

Neighboring states, Texas (Texas State Securities Board, NASAA, Oklahoma State Courts Network (Oklahoma Statutes), Louisiana Office of Financial Institutions; October 2026, 2026)
StateSecurities regulatorRepresentative feeContinuing education for representatives7
TexasTexas State Securities Board2$355, renewal $206Not adopted7
OklahomaOklahoma Department of Securities35$50, renewal $5036Yes, since 20237
LouisianaLouisiana Office of Financial Institutions37$0, renewal $038No7
ArkansasArkansas Securities Department39$75, renewal $7540Yes, since 20237
New MexicoNew Mexico Securities Division41$50, renewal $5042No7

Guides for Oklahoma, Louisiana, Arkansas and New Mexico are listed on all state guides as they publish.

Questions people ask

How much does it cost to get licensed as a financial advisor in Texas?

At fees as read October 29, 202614, the Series 65 route comes to $2225,15 in exam and Texas registration fees, before study materials and any FINRA system or fingerprint fees. Adding securities sales with the SIE and Series 7 brings the total to $7236,16,17,19-22 with the Texas Securities Act exam or $86516,17,19-23 with the Series 66. The life and health insurance license adds $999,10 for the exam and application. Some employers pay these fees for people they sponsor and some do not.

Do I need a degree to become a financial advisor in Texas?

No Texas rule requires one. 7 TAC 115.3 and 7 TAC 116.3 set exams or a waiver designation, not a degree, so answers that say Texas requires a bachelor's degree mix up the state rule with what employers ask for. BLS lists "Bachelor's degree"1 as the typical entry education for the job, and the CFP® certification has its own degree rule. The step by step guide covers education choices. Do you need a degree to be a financial advisor covers the full answer.

How long does it take to become a financial advisor in Texas?

No Texas rule sets a minimum. The exams move fastest, since each must be taken within 12025 days of enrolling. The slower parts are getting hired by a firm, which the Series 7 needs, and the supervised training that follows, which BLS says usually lasts more than a year43. How long it takes walks through the timeline.

Who regulates financial advisors in Texas?

The Texas State Securities Board2 registers investment adviser representatives and securities agents, and FINRA also registers agents of brokerage firms. The Texas Department of Insurance8 licenses insurance agents. Some answers say to register with the Board or FINRA as if either will do, but a representative registers with the Board and an agent of a brokerage firm registers with both.

Does a CFP® certification waive the Series 65 in Texas?

Yes. The CFP® certification is one of five designations Texas accepts in place of the Series 65 under 7 TAC 116.3, with the CFA, PFS, CIMA and ChFC. It does not cover the Series 7 or a state law exam if you also sell securities.

Sources

BLS Texas State Securities Board NASAA Texas Department of Insurance Pearson VUE for the Texas Department of Insurance U.S. Bureau of Economic Analysis +6 moreShow sourcesHide sources

BLS

  1. Occupational Outlook Handbook, Personal Financial Advisors, OOH 2025-35 edition (projections released August 27, 2026).bls.gov, accessed October 29, 2026
  2. Occupational Employment and Wage Statistics (OEWS), May 2025, May 15, 2026 (May 2025 estimates, USDL-26-0725).bls.gov, accessed October 29, 2026
  3. Occupational Employment and Wage Statistics (OEWS), May 2025, May 15, 2026 (May 2025 estimates, USDL-26-0725).bls.gov, accessed October 29, 2026
  4. Occupational Employment and Wage Statistics (OEWS), May 2025, May 15, 2026 (May 2025 estimates).bls.gov, accessed October 29, 2026
  5. OEWS Frequently Asked Questions, May 2025 estimates.bls.gov, accessed October 29, 2026
  6. Occupational Outlook Handbook, Personal Financial Advisors, How to Become One, Occupational Outlook Handbook, as read October 29, 2026.bls.gov, accessed October 29, 2026

Texas State Securities Board

  1. Texas State Securities Board website, Current page as read October 29, 2026.ssb.texas.gov, accessed October 29, 2026
  2. 7 Tex. Admin. Code 116.3, Texas State Securities Board Electronic Rulebook, Amended eff. 3/13/2025, 50 TexReg 1809.ssb.texas.gov, accessed November 2, 2026
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  5. Fee Schedule - January 1, 2022, Fee Schedule - January 1, 2022, as read October 29, 2026.ssb.texas.gov, accessed October 29, 2026
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  8. Getting Started as a Registered Investment Adviser, Current as read October 29, 2026 (page undated).ssb.texas.gov, accessed October 29, 2026
  9. 7 Tex. Admin. Code 116.18, Texas State Securities Board Electronic Rulebook, Amended eff. 3/26/2026, 51 TexReg 1822.ssb.texas.gov, accessed November 2, 2026
  10. Codification of the Texas Securities Act 2022, Current as read October 29, 2026.ssb.texas.gov, accessed October 29, 2026
  11. Military Licensing Rules.ssb.texas.gov, accessed October 29, 2026
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NASAA

  1. NASAA IAR CE map, Page as read October 29, 2026.nasaa.org, accessed October 29, 2026
  2. NASAA Exam FAQs, NASAA FAQ, as read October 29, 2026.nasaa.org, accessed October 29, 2026
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  5. NASAA Contact Your Regulator, Arkansas, Page as read October 29, 2026.nasaa.org, accessed October 29, 2026
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  7. Exam Validity Extension Program FAQs.nasaa.org, accessed October 29, 2026

Texas Department of Insurance

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  2. General lines life, accident, health, and HMO agent license, how to apply, Current as read October 29, 2026.tdi.texas.gov, accessed October 29, 2026
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Pearson VUE for the Texas Department of Insurance

  1. Texas Insurance Licensing Candidate Handbook (#124400), October 2024, Handbook dated October 2024, as read October 29, 2026.pearsonvue.com, accessed October 29, 2026
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U.S. Bureau of Economic Analysis

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FINRA

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Texas Legislative Council, Texas Constitution and Statutes

  1. Texas Government Code Section 4006.102, Reduced Fees, Added by Acts 2019, 86th Leg., R.S., Ch. 491 (H.B. 4171), Sec. 1.01, eff. January 1, 2022. As read October 29, 2026.tcss.legis.texas.gov, accessed October 29, 2026

Oklahoma State Courts Network

  1. Oklahoma State Courts Network (Oklahoma Statutes) fee information, Current as read October 29, 2026.oscn.net, accessed October 29, 2026

Louisiana Office of Financial Institutions

  1. Louisiana Office of Financial Institutions fee information, Current as read October 29, 2026.ofi.la.gov, accessed October 29, 2026

Arkansas Securities Department

  1. Arkansas Securities Department (Arkansas Securities Act as published by the Department) fee information, Current as read October 29, 2026.securities.arkansas.gov, accessed October 29, 2026

Texas Secretary of State, Texas Administrative Code

  1. 7 Tex. Admin. Code Chapter 116, Investment Advisers and Investment Adviser Representatives (including 116.3, Examination Requirements, and 116.18, Military Applicants).texas-sos.appianportalsgov.com, accessed October 29, 2026
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