William Toner, CFP®, AIF®
William Toner
Certified Financial Planner™ | Accredited Investment Fiduciary®
Certified Financial Planner™ Accredited Investment Fiduciary®
Beyond Dollars: Your True Wealth.
You feel it, don't you? Your wealth isn't just a balance sheet; it's the freedom of abundant time, the calm of inner peace, the richness of connected relationships, the drive of genuine purpose, and the health and energy to truly live. While money can't buy these, you can strategically invest to cultivate and nurture them.Why I Founded This Firm: A New Path to Purposeful WealthMy journey to founding this firm stemmed from a clear realization: families and individuals deserve more than just asset growth. For years, at top Wall Street firms, I witnessed wealth plans that grew and protected assets, but often inadvertently created harm and confusion within family relationships, impacting emotional well-being. Anticipating and navigating these unintended consequences was frequently outside the traditional scope of large institutions.My winning aspiration is simple: To empower families to build and transfer wealth that strengthens, rather than strains, their most important relationships. We fundamentally believe you shouldn't have to choose between financial growth and relational well-being. This isn't just about financial gains; it's about owning the space where financial prosperity and relational well-being are integrally linked and mutually reinforcing. We choose to play in the intersection of wealth management and family harmony, a space often neglected by traditional firms.Is Your Wealth Creating Stress, Not Freedom?You're not alone. Financial planning often feels like a frustrating maze of jargon and complexity. Even with accounts at prestigious firms, high-net-worth clients sense a crucial missing piece – a partner who understands that money's true value lies in how it enhances their lives, not just their portfolios. They've often navigated significant financial decisions alone, feeling the weight of complexity and the loneliness of managing a life that few truly comprehend. They need a financial partner committed to integrative problem-solving who understands:
• Your Holistic Financial World: Understanding the interplay between your portfolio, entrepreneurial ventures, and the often-overlooked emotional and relational capital of your life.• Family Dynamics & Individual Needs: Facilitating intentional conversations and designing solutions that honor both financial goals and sensitive family relationships, fostering harmony over division.• Unwavering Discretion: Beyond mere confidentiality, this is about creating a truly safe and unconstrained environment. By ensuring absolute privacy, we empower you to engage in candid, integrative discussions about your entire financial world – including the most sensitive family dynamics, entrepreneurial ventures, and deeply personal aspirations. This trusted space allows us to explore a wider range of options, techniques, and scenarios as your trusted advisor and holistic overseer, rather than limiting us to the narrow scope of a single subject matter expert (like tax, investments, or risk management alone). It's in this confidential yet comprehensive partnership that true, breakthrough solutions emerge, unburdened by outside concerns.The Gap in Traditional Wealth Management: Why Generic Advice Falls Short.The truth is, most people—especially those with significant wealth—find the advice they receive generic, confusing, or completely out of sync with their real life.While robust on the quantitative side, traditional planning optimizes for quantitative gains, but fails to apply an integrative framework that accounts for the human and relational aspects of wealth—whether for yourself, your loved ones, or a broader legacy. They frequently overlook the deeper purpose behind your financial decisions, and how truly aligning finances with personal values can lead to profound life satisfaction and prudent management, regardless of family structure or charitable intent.
"If you're tired of generic advice and ready for clarity, True Wealth Planning is your answer."
Unlock Unshakeable Peace & Profound Freedom.
Imagine your money becoming a source of calm, not stress. Through our True Wealth Planning process, we move beyond mere asset management, guiding you to a financial life where quantitative prosperity and qualitative fulfillment are integrally connected, sparking authentic joy and deep peace. This transformation redefines your relationship with wealth.Beyond Money Management: An Act of Self-CareThis isn't just about managing money; it's an empowering act of self-care. Our process, akin to design thinking, starts by deeply empathizing with your core values and aspirations. From there, we rapidly prototype and refine financial strategies until we arrive at a robust plan that feels authentically 'yours' – a living guide for a life truly aligned with what you care about.Our Secret Sauce: A Human-Centered Approach to WealthTrue Wealth Planning is a research-based framework that doesn't just manage assets; it actively resolves the tension between financial growth and your deepest aspirations. It systematically leverages psychological insights to co-create a financial reality where your logic and profound motivations are fully aligned and mutually reinforcing.
"It’s how your money finally serves your deepest purpose, transforming anxiety into intentional calm and powerful stewardship."
"It’s how your money finally serves your deepest purpose, transforming anxiety into intentional calm and powerful stewardship."
The Path to True Financial Clarity.
Traditional planning often forces hurried decisions, missing what truly matters: personal satisfaction, family communication, shared values, identity, and lasting legacy. It's generic, static, siloed, and asset-focused.We do the opposite: We take an intentional, focused approach. This isn't about slowing down; it's about seeing what others miss. We uncover clarity that dramatically simplifies your financial life and unlocks powerful new opportunities.
"We gently clear the overwhelming financial landscape, guiding you to a quiet understanding of what truly matters to you."
"We gently clear the overwhelming financial landscape, guiding you to a quiet understanding of what truly matters."
Our deliberate process ensures every financial decision aligns with your vision for a meaningful life, free from unnecessary complexity. We simplify your life, helping you subtract the noise and develop goals that lead to greater joy and satisfaction.
Experience The Power of true wealth Planning
Here’s how we transform your financial life and bring unprecedented peace:• Stop Doubting: Eliminate gnawing financial doubt and sleep soundly knowing every decision is aligned.• Reclaim Precious Time & Energy: Free up countless hours and mental energy, so you can focus on what truly energizes you.• Live in True Alignment: Harmonize your money with your deepest values for unprecedented peace and purpose, and feel the difference. This systematic process helps you move from intellectual understanding to genuine emotional commitment, ensuring your plan isn't just a document, but a living guide.• Co-Create a Meaningful Plan: Together, we'll forge a financial plan that honors both your goals and your spirit.• Navigate Life's Transitions with Grace: Possess a clear financial compass and a steadfast partner as life evolves. We directly confront the three hidden roadblocks that sabotage wealth growth and transfer: WORRY about an unknown future, REGRET over past mistakes, and PARALYSIS in the present.• Never Feel Alone: Confidently face complexity – from taxes, investments, insurance, stock options and equity compensation, retirement, or estate planning – with an expert at your side.• Activate Your Deepest Dreams: We'll transform your aspirations into a living, breathing financial strategy. We believe people are more motivated by possibility than by problem-solving, and our planning sparks excitement for what's ahead.
My mission is clear: To help you move forward with clarity, confidence, and profound purpose. If you're reading this, something in you is ready for a different path. Together, we’ll align your financial resources with your values—so you can build a future that feels meaningful and secure.William T. Toner, CFP®, AIF®
Certified Financial Planner® Professional; since 2012
Accredited Investment Fiduciary® Professional; since 2012
Investment Advisor Representative; since 2010
“We believe people are more motivated by possibility than by problem-solving.”
Experience The Power of true wealth Planning
Here’s how we transform your financial life and bring unprecedented peace:• Stop Doubting: Eliminate gnawing financial doubt and sleep soundly knowing every decision is aligned.• Reclaim Precious Time & Energy: Free up countless hours and mental energy, so you can focus on what truly energizes you.• Live in True Alignment: Harmonize your money with your deepest values for unprecedented peace and purpose, and feel the difference. We start by identifying your unique individual and shared core values – the very foundation of your financial purpose. This systematic process helps you move from intellectual understanding to genuine emotional commitment, ensuring your plan isn't just a document, but a living guide.
“We directly confront the three hidden roadblocks that sabotage wealth: WORRY, REGRET, and PARALYSIS.”
• Co-Create a Meaningful Plan: Together, we'll forge a financial plan that honors both your goals and your spirit.• Navigate Life's Transitions with Grace: Possess a clear financial compass and a steadfast partner as life evolves.• Never Feel Alone: Confidently face complexity – from taxes, investments, insurance, stock options and equity compensation, retirement, or estate planning – with an expert at your side.• Activate Your Deepest Dreams: We'll transform your aspirations into a living, breathing financial strategy.
READY TO UNLOCK YOUR TRUE WEALTH?
Your first step is simple, risk-free, and potentially life-changing.Here’s what to expect as we illuminate your unique path to profound peace and prosperity:
Connect
Let's talk. We'll discuss your unique situation and see if True Wealth Planning is the powerful solution you've been searching for. Zero pressure, pure insight.Discover
Through guided, empathetic dialogue, we’ll gently explore not just your financial picture, but your personal history with money, the core values that drive you, and the deeply held beliefs that shape your decisions. This deep dive into your unique story and life transitions uncovers the conscious and subconscious influences on your financial behaviors. This profound self-understanding becomes the bedrock of a truly personal plan.Plan
Together, we’ll thoughtfully co-create a personalized roadmap – one that beautifully connects your outer financial life with your inner aspirations.Thrive
With unwavering support, you'll confidently bring your plan to life. Imagine feeling significantly lighter, your inner well-being growing stronger... and your vision becoming beautifully clearer.“A financial plan that feels authentically yours.”
Let's Begin Your Journey
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YOUR DEDICATED PARTNER IN CULTIVATING PURPOSEFUL WEALTH
As a financial professional for over a decade in Montecito, CA, my devotion to this work has only deepened. I offer financial guidance rooted in:
Authentic Partnership: Our relationship is built on genuine understanding, unwavering trust, and profound care.
Unwavering Discretion: Your privacy and the confidentiality of your financial affairs are paramount to our trusted partnership.
Empowering Clarity: Financial planning should be clear, never intimidating. You'll consistently receive crystal-clear guidance, free from confusing jargon.
Holistic Flourishing: This extends far beyond numbers; it is fundamentally about helping you flourish – mind, body, and soul, ensuring your wealth serves your deepest personal purpose and creates a meaningful, lasting impact, whether for yourself, your loved ones, or the world.
“This is the heart of our work: connecting your resources to what nourishes your spirit.”
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