Financial Analyst Salary in Tennessee (2026)
The average Financial Analyst in Tennessee earns around $95,000/year. After taxes, your estimated take-home is $75,663/year ($6,305/month).
Take-Home Pay Breakdown
| Category | Amount |
|---|---|
Annual Take-Home Pay | $75,663 |
Monthly Take-Home Pay | $6,305 |
Biweekly Take-Home Pay | $2,910 |
Hourly Take-Home Pay based on 2,080 hrs/year | $36/hr |
Federal Tax | $12,070 |
State Tax | $0 |
FICA Taxes | $7,268 |
Effective Tax Rate total taxes ÷ gross salary | 20.36% |
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Financial Analyst Salary Ranges in Tennessee
Not all Financial Analysts earn the same — not even close
TN financial analysis splits across four coherent tracks. Asset management + institutional investment (AllianceBernstein Nashville + private equity + Vanderbilt endowment) is the TN-distinctive specialty post-2018. Corporate FP&A + IR (HCA + Bridgestone + Nissan + Dollar General + Tractor Supply + Asurion + Oracle) drives volume bench. Regional banking (Pinnacle Financial + First Horizon + Truist + Regions + Fifth Third) is the TN banking specialty. Healthcare finance + M&A (HCA + LBMC + Big 4 advisory) plus Music Row royalty + sync rights deal-structure analytics round out senior tracks.
VP / SVP IR (HCA / Bridgestone / Dollar General)
$385,000–$685,000+ cash + RSU
HCA · Bridgestone · Dollar General · Tractor Supply · FedEx · executive IR · publicly-traded HQ
AllianceBernstein Senior Portfolio Analyst
$285,000–$685,000+ cash + carry
AB Nashville HQ post-2018 · institutional asset management · equity + fixed income research
Senior Director Finance / FP&A
$215,000–$385,000 + RSU
HCA · Asurion · Oracle · AllianceBernstein · 12-18 yrs · multi-org FP&A leadership
Director Finance / FP&A
$155,000–$265,000 + RSU
8-12 yrs · domain finance · M&A + corporate development + investor relations + budgeting
Senior Manager FP&A / Financial Analyst
$125,000–$185,000 + RSU
5-8 yrs · CFA / MBA preferred · supervisory FP&A + complex financial modeling
Regional Bank VP Lending (Pinnacle / First Horizon)
$185,000–$385,000
Pinnacle Financial Nashville · First Horizon Memphis · Truist · Regions · commercial banking + private wealth
Manager Finance / Financial Analyst
$95,000–$135,000
3-6 yrs · CFA in progress / completed · corporate FP&A + investment analysis
Healthcare Finance Analyst (HCA / LBMC)
$105,000–$185,000
HCA + Vanderbilt UMC + Methodist + Ardent + Lifepoint + LBMC healthcare advisory specialty
Senior Financial Analyst
$78,000–$115,000
3-5 yrs · CFA in progress · FP&A + investment research + equity / fixed income
Financial Analyst (New-Grad)
$58,000–$78,000
New-grad track · Vanderbilt + UT Knoxville + Belmont + MTSU · feeds Senior Analyst pipeline
Worth knowing: AllianceBernstein's full HQ relocation from NYC to Nashville in 2018 brought ~1,250 senior institutional-investment analysts + portfolio managers + research analysts + fixed income strategists. The AB Nashville bench is the most consequential single TN financial-analysis addition of the past decade — equity + fixed income research + asset allocation + multi-strategy at scale. Senior AB Nashville portfolio analysts clear $385-685K cash + carry; senior research $285-485K. The post-2018 wave brought Oracle's cloud finance + Amazon HQ East corporate finance + senior IR pivots from coastal markets. Pinnacle Financial Partners HQ Nashville (top-50 US community bank, ~3,500 employees) + First Horizon Memphis (top-25 regional bank, ~7K employees) + Vanderbilt Endowment ($11B+ AUM) is the TN-distinctive specialty depth no other US Southeast market matches.
The TN financial analyst market — AllianceBernstein Nashville + HCA IR + Pinnacle / First Horizon banking + Music Row royalty structuring
0%
TN state income tax — RSU vests + bonus + carry all tax-free at state level
~1,250
AllianceBernstein Nashville HQ employees (post-2018 NYC relocation) — TN-distinctive bench
~150+
HCA Healthcare corporate IR + FP&A roles — largest US healthcare finance concentration
~3,500
Pinnacle Financial Partners HQ Nashville (top-50 US community bank) employees
Financial analysts are exempt under the Learned Professional or Administrative exemption (CFA / MBA / specialized financial training + advanced knowledge). Salaried with bonus + + carry components. RSU heavy at publicly-traded HCA, Bridgestone, Nissan (Tokyo-listed), Dollar General, Tractor Supply, FedEx, AutoZone. AB Nashville senior portfolio analysts add fund carry components.
AllianceBernstein Nashville HQ is the largest TN financial-analysis concentration — ~1,250 employees including ~400+ senior investment professionals + research analysts + portfolio managers. AB spans institutional + private wealth + retail asset management across equity + fixed income + multi-strategy + alternatives. Senior AB Nashville portfolio analysts clear $385-685K cash + carry; senior research $285-485K. AB recruits globally — Goldman + JPM + Citi + Morgan Stanley + Wellington.
HCA Healthcare drives the largest US healthcare IR + corporate development bench — ~150+ senior FP&A + IR + M&A + treasury + capital-allocation analysts supporting $65B revenue + ~190 hospitals + extensive M&A. HCA's senior IR director $385-585K cash + . HCA's CFO-track pipeline is a major Southeast finance career path.
Pinnacle Financial Partners HQ Nashville (top-50 US community bank, ~3,500 employees, $50B+ AUM) is the largest TN-anchored bank. First Horizon HQ Memphis (top-25 US regional bank, ~7K employees, $80B+ AUM) is the largest TN-anchored regional bank. Senior Pinnacle + First Horizon VP Lending + Commercial Banking + Private Wealth clear $185-385K cash. Regional Truist + Regions + Fifth Third Tennessee adds parallel senior FP&A + commercial lending bench.
Corporate FP&A at the Nashville HQ cluster (Bridgestone + Nissan + Dollar General + Tractor Supply + Cracker Barrel + Asurion + Oracle + Amazon HQ East) drives the volume bench. Career mobility between these HQs is unusually high. Senior corporate FP&A directors $245-385K cash + . VP / SVP IR at publicly-traded HQs $385-685K cash + RSU.
Memphis financial analysis centers on FedEx HQ (~250+ FP&A + IR + treasury + corporate development analysts supporting $90B+ global logistics), AutoZone HQ (~6K corporate), International Paper (~36K global). First Horizon Memphis HQ + Mid-South + North Mississippi + East Arkansas referral banking cluster. Memphis is operationally distinct — focused on logistics + retail + manufacturing finance.
Music Row deal-structure analysis is the TN-distinctive niche. Royalty calculation + sync licensing + tour financing + artist advances + label catalog acquisitions (post-2018 M&A boom). Senior music-industry financial analysts at major labels + boutique firms (Provident Financial + DPN + Flood Bumstead McCready & McCarthy) clear $185-285K cash + deal-flow bonuses. Music industry deal-structure is project-based + relationship-driven.
Tennessee as a financial analyst — AllianceBernstein Nashville + HCA IR + Pinnacle / First Horizon banking + Music Row deal structuring
AllianceBernstein Nashville HQ at Nashville Yards is the largest TN financial-analysis bench post-2018. ~1,250 employees including ~400+ senior investment professionals + research analysts + portfolio managers. Institutional + private wealth + retail asset management across equity + fixed income + multi-strategy + alternatives. Senior AB portfolio analysts clear $385-685K cash + carry; senior research $285-485K.
HCA Healthcare HQ One Park Plaza drives the largest US healthcare IR + corporate development bench — ~150+ senior FP&A + IR + M&A + treasury + capital-allocation analysts. HCA's $65B revenue + ~190 hospitals + extensive M&A post-2010 anchor senior healthcare finance. HCA's CFO-track is a major Southeast finance pipeline.
Pinnacle Financial Partners HQ Nashville + First Horizon HQ Memphis are the two largest TN-anchored banks. Pinnacle (top-50 US community bank, ~3,500 employees, $50B+ AUM). First Horizon (top-25 US regional, ~7K employees, $80B+ AUM). Senior VP Lending + Commercial + Private Wealth $185-385K cash. Truist + Regions + Fifth Third Tennessee adds parallel bench.
Music Row deal-structure analysis is the TN-distinctive niche. Royalty calculation + sync licensing revenue split + tour financing + artist advances + label catalog acquisitions (post-2018 catalog M&A boom, Big Machine sale 2019). Senior music-industry financial analysts at major labels + boutique advisory firms clear $185-285K cash + deal-flow bonuses. Music industry deal-structure is project-based + relationship-driven — Belmont University Mike Curb College pipeline is the dominant entry path.
How TN taxes work for financial analysts — 0% income tax, asset-manager carry tax-free, federal-AGI conformity
TN charges 0% state income tax — substantial advantage at every financial analyst comp tier. At Senior Manager $145K cash + $60K , TN saves $14,000+ vs CA's 8.0% blended. At Director $225K, $16,500+ vs CA. At AB Nashville senior portfolio analyst $485K cash + carry, TN saves $38,800+ vs CA. Over 20-25 year career, TN-vs-CA compounds to $500K-$1M+ for senior analysts.
TN federal- conformity is clean. No add-back of federal pre-tax , , FSA, or IRA contributions. Mega Backdoor Roth at HCA, Asurion, Oracle, AllianceBernstein flows through cleanly at federal-only level. Asset manager carry events (long-term carried interest) face only federal LTCG (15-20%) plus NIIT (3.8%) — no state CGT pickup like WA's 7% above $270K. AB Nashville senior portfolio analyst carry events are TN-distinctive favorable.
TN property tax ~0.71% effective — well below TX 1.6-2.5% peers. A Senior Director FP&A at $345K cash owning a $1.2M Belle Meade home pays ~$8,500/yr property tax vs $19,200-30,000 on Austin equivalent. Property tax doesn't offset the 'no state income tax' savings.
TN combined sales tax averages 9.55% (highest alongside LA) — regressive offset at new-grad + senior analyst tiers ($58-115K). At Director + VP + AB senior portfolio analyst levels small relative to comp. TN doesn't exempt groceries from sales tax.
- →Capture employer match before anything else. HCA (50% up to 9% = 4.5% effective — most generous), AllianceBernstein (50% on first 6% = 3% effective), Asurion (75% on first 6% = 4.5%), Oracle (50% on first 6%), Bridgestone (50% on first 6%), Pinnacle Financial (50% on first 6%), First Horizon (50% on first 6% + ESOP component), FedEx (3.5% Profit Sharing + Pension).
- →Max your ($24,500 in 2026). At TN 0% + federal 22-32%, every $1,000 deferred saves $220-$320. At AB Nashville senior portfolio analyst $485K+ in the 32-35% bracket, $320-$350.
- → at HCA, Asurion, Oracle, AllianceBernstein. §415(c) cap $72,000 (2026). After $24,500 employee + match, $25-35K room. At TN 0% + federal 32-35%, MBR converts $30K into perpetual Roth tax-free growth — highest-ROI move at $250K+ comp.
- →CFA charter is the single highest-ROI move for senior financial analysts. CFA comp typically runs 20-35% above non-CFA at equivalent experience in asset management + research analyst tracks. CFA requires passing 3 exams (Level I, II, III) plus 4,000 hours of qualifying investment-related experience. AB Nashville + boutique asset managers heavily prefer CFA-credentialed senior hires.
- →AB Nashville carry structure. Senior AB portfolio analysts receive carry on long-term performance components — typically 4-7 yr vest with high-water-mark + clawback provisions. Carry events face federal (15-20%) + (3.8%) at AB's post-IRC §1061 3-year hold compliance. TN 0% state tax makes carry economics genuinely favorable vs CA / NY peers.
- →Healthcare finance specialty (HCA + Vanderbilt UMC + LBMC healthcare) commands 15-25% premium over generalist FP&A. Healthcare regulatory + Medicare reimbursement + REIT structure + 340B compliance is scarce specialty talent. Senior healthcare finance analysts at HCA + IR clear $245-385K cash + .
Three TN metros for financial analysts — Nashville AllianceBernstein + HCA + Pinnacle, Memphis FedEx + First Horizon + AutoZone, Knoxville Pilot + TVA + Eastman
TN financial analysis splits by region + industry. Nashville is AB + HCA + Pinnacle Financial + Bridgestone + Nissan + Dollar General + Tractor Supply + Asurion + Oracle + AllianceBernstein + Amazon HQ East + Music Row. Memphis is FedEx + AutoZone + First Horizon + International Paper. Knoxville is Pilot Flying J + Discovery + TVA + Eastman + UT.
Nashville (AllianceBernstein + HCA + Pinnacle Financial + Corporate HQ)
Junior $58-78K · Senior $78-115K · Manager $95-145K · Sr Manager / Director $125-265K · Sr Director $215-385K · VP IR $385-685K · CFO $585K-$1.4M+ RSUTN's financial analysis core. AllianceBernstein Nashville HQ (~1,250 employees post-2018, ~400+ senior investment professionals). HCA Healthcare (~150+ corporate IR + FP&A). Pinnacle Financial Partners HQ Nashville (top-50 US community bank, ~3,500 employees). Bridgestone + Nissan + Dollar General + Tractor Supply + Cracker Barrel + Asurion + Oracle + Amazon HQ East corporate FP&A. Music Row deal-structure niche.
Belle Meade / Forest Hills ($1.4-3.5M+ Senior Director / VP IR), Green Hills / Oak Hill ($875K-$2.4M Director), Hillsboro Village / Germantown ($550K-$1.2M Sr Manager walkable), Brentwood / Franklin ($750K-$2.5M family-stage corporate). Davidson County 0.71% effective.
Memphis (FedEx + First Horizon + AutoZone + International Paper)
Junior $52-72K · Senior $72-105K · Manager $85-125K · Sr Manager / Director $115-235K · Sr Director $185-345K · CFO $345-685K + RSUTN's logistics + banking financial analysis corridor. FedEx Memphis (~250+ FP&A + IR + treasury + corporate development analysts supporting $90B+ global). AutoZone HQ (~6K corporate). International Paper Memphis HQ. First Horizon HQ Memphis (top-25 US regional bank, ~7K employees, $80B+ AUM). Memphis MSA Mid-South + North Mississippi + East Arkansas regional banking cluster.
East Memphis ($425-825K SF Sr Manager / Director), Germantown / Collierville ($550-1,150K family senior + VP IR), Midtown ($375-750K urban Senior Analyst), Bartlett ($425-825K family). Shelby County 1.31% property tax effective.
Knoxville / East TN (Pilot Flying J + Discovery + TVA + Eastman + UT)
Junior $52-72K · Senior $68-95K · Manager $80-125K · Sr Manager / Director $115-205K · Sr Director $175-285KEast TN's financial analysis corridor. Pilot Flying J HQ (~750 travel centers, Berkshire Hathaway). Discovery / Scripps Networks (Knoxville HQ remained). TVA HQ (federal corporation, ~10K employees + federal financial analysis + FERS pension). Eastman Chemical Kingsport finance (~14K global). UT Knoxville Haslam College CFA pipeline. Smaller bench than Nashville / Memphis.
Sequoyah Hills / Westmoreland ($550-950K SF), West Knoxville ($385-725K family), Bearden ($325-625K established), Farragut ($425-725K Oak Ridge commute). Knox County 0.85% property tax effective.
The TN financial analyst career arc — junior through VP IR / CFO / AB senior portfolio analyst
TN financial analyst careers typically start with Vanderbilt Owen Graduate School of Management, UT Knoxville Haslam College of Business, Belmont University Massey, Tennessee State University, MTSU Jones, or out-of-state programs (Wharton, Stanford GSB, Harvard, Chicago Booth). New-grad junior financial analyst $58-78K cash at HCA / AllianceBernstein / Asurion / Oracle Nashville / Bridgestone / Nissan / Pinnacle Financial. CFA Level I exam typically within years 1-2.
Senior Analyst / Manager (years 3-7): comp $78-145K cash + . CFA Level II / Level III by year 3-5 drives 20-35% premium. Specialty depth fork between asset management (AB Nashville portfolio + research track), corporate FP&A (HCA + Bridgestone + Nissan + Dollar General), regional banking (Pinnacle + First Horizon + Truist + Regions), healthcare finance (HCA + Vanderbilt UMC + LBMC). MBA at this stage common but not required.
Senior Manager / Director (years 7-12): comp $135-265K cash + . Domain ownership in FP&A / Corp Dev / IR / Treasury / M&A. AB Nashville senior research $285-485K. Corporate Director FP&A at HCA + Bridgestone + Nissan $245-345K. Pinnacle / First Horizon senior VP Lending $185-385K. LBMC healthcare advisory senior $245-385K + practice equity.
Senior Director / VP / CFO / AB Senior Portfolio Analyst (years 12+): VP IR + Sr Director FP&A at HCA / Bridgestone / Nissan $385-685K cash + . CFO at HCA / FedEx / AutoZone / Bridgestone $585K-$1.4M+. AB Nashville senior portfolio analyst $385-685K cash + carry. Pinnacle / First Horizon SVP $385-585K. TN's 0% income tax + carry favorability + lighter compliance produce favorable senior career math vs CA / NY / OR peers.
Where TN financial analysts live — Belle Meade, Green Hills, Brentwood, East Memphis, Germantown, Sequoyah Hills
TN financial analysts cluster by region + employer. Nashville AB + HCA + Pinnacle + corporate HQ to Belle Meade / Forest Hills (Senior Director / VP IR / AB senior), Green Hills (Director / Sr Manager), Hillsboro Village (Sr Analyst / Manager), Brentwood / Franklin (corporate family-stage). Memphis FedEx + First Horizon + AutoZone senior to East Memphis / Germantown. Knoxville senior to Sequoyah Hills + Farragut.
Belle Meade / Forest Hills (Senior Director / VP IR / AB senior)
5-15 min downtown · top-tier · $1.4-3.5M+ SF · VP IR + AB Nashville senior + CFO residential
Green Hills / Oak Hill (Nashville Director)
10-20 min downtown · $875K-$2.4M SF · mid-career Director + Senior Manager standard
Hillsboro Village / Germantown (Sr Analyst / Manager walkable)
5-15 min downtown · $550K-$1.2M SF · Sr Analyst + Manager walkable urban
Brentwood / Franklin (Williamson Co corporate family)
20-30 min downtown · $750K-$2.5M family · top schools · in-house corporate + Nissan
East Memphis (Memphis Sr Manager / Director)
10-15 min downtown · $425-825K SF · FedEx + First Horizon + AutoZone Sr Manager / Director
Germantown / Collierville (Memphis family senior + VP)
20-30 min downtown · $550-1,150K SF · top schools · in-house Senior Director + VP residential
Sequoyah Hills (Knoxville senior)
5-10 min downtown · $550-950K SF · senior Knoxville + LBMC + TVA + UT residential
Farragut (Knoxville family)
$425-725K SF · 10-20 min downtown · family-stage Knoxville + Oak Ridge commute
TN public transit is minimal. I-65 Nashville-Franklin + I-40 Nashville-Memphis intercity arteries. Senior AB Nashville analysts walkable to AB Nashville Yards from The Gulch / 12 South / downtown townhomes — a notable walkability advantage. Most senior analysts anchor to one corridor.
Is this the right move?
TN for financial analysts — who it actually works for
Working in your favor
- +TN 0% state income tax + asset-manager carry favorability — saves $14-50K+/yr vs CA / NY, with carry events facing federal LTCG only
- +AllianceBernstein Nashville HQ (~1,250 employees post-2018) is TN-distinctive — equity + fixed income + multi-strategy + alternatives at scale
- +HCA Healthcare (~150+ corporate IR + FP&A) — largest US healthcare-finance concentration; HCA CFO-track is a major Southeast pipeline
- +Pinnacle Financial Partners Nashville (top-50 US community bank) + First Horizon Memphis (top-25 US regional bank) is the deepest TN-anchored banking finance bench
- +Music Row deal-structure niche (royalty + sync licensing + tour financing + catalog M&A) is TN-distinctive — Belmont pipeline
Worth knowing before you sign
- −TN combined sales tax averages 9.55% (highest alongside LA) — regressive offset at junior + senior analyst tiers
- −Nashville VP IR / CFO comp ($1.4M top-end) trails NY + Bay Area — career-cap matters for senior directors
- −TN does not exempt groceries from sales tax (one of 13 states fully taxing food) — meaningful tax burden at lower tiers
- −AB Nashville is the only major asset-management HQ in TN — mobility within institutional asset management is more constrained than NYC / Boston / SF
- −Music Row deal-structure requires music-industry relationships — not credential-driven; hard to break in without Belmont pipeline
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