William Toner, CFP®, AIF®

William Toner

Certified Financial Planner™ Accredited Investment Fiduciary®

Wealth Is More COmplicated than investments alone

Money is everywhere; it affects all of us and confuses most of us. Working with a Financial Guide, you can live purposefully today and dream boldly for tomorrow.I will guide you to:
• Organize and simplify your entire financial life.
• Align your financial decisions around your values, core priorities, and, most importantly, relationships.
• Transition from transactional advice to transformative financial guidance.
• Develop a multidisciplinary approach to financial decision-making.
• Learn to recognize and overcome psychological biases in financial decisions.
• Make progress on achieving your most meaningful life goals.

William T. Toner, CFP®, AIF®

financial guide to purposeful wealth

As a wealth manager, I've witnessed firsthand how money can be both a blessing and a burden, often becoming a relentless source of anxiety instead of a tool for fulfillment. Life happens fast, and uncertainty is the one thing we can be certain of. In an uncertain financial world, you need more than a number-cruncher. You need a financnial guide. As a Certified Financial Planner™ and Accredited Investment Fiduciary®, I offer a unique approach to getting your financial house in order and keeping it that way so you can:Live with Purpose Today.
Dream Boldly for Tomorrow.Through the Financial Life Planning process, we will organize your financial house so you can accomplish both.My Promise to You:
• You will receive personalized financial advice and thoughtful options that honor your values, core priorities, and, above all, your relationships.
• You will have a process and mindset to adapt to changing financial landscapes.
• You will have unshakeable confidence in reaching your goals, regardless of external circumstances.
• You will be ready to act decisively when rare and high-quality opportunities arise.It is intentionally choosing to manage your money that is in service to yourself and those you love. That’s the peace of mind I offer.The benefits are beyond wealth:
More Time
Peace of Mind
Extraordinary Convenience
Less ComplexityWant to find out more or discuss your options? Let’s talk.

Everyday Different, Everyday Beautiful.
I Look Forward To Hearing From You.

Close, confidential relationships allow us to anticipate our clients' needs & accelerate prudent progress on their behalf. A calm spirit of neutrality, paired with your values, inform our decisions at every level of our business journey together.

-William T. Toner, CFP®, AIF®

Close, confidential relationships allow us to anticipate our clients' needs & accelerate prudent progress on their behalf. A calm spirit of neutrality, paired with your values, inform our decisions at every level of our business journey together.-William T. Toner, CFP®, AIF®

Helping people navigate the complexities of wealth and well-being

For over a decade, William T. Toner has served as a financial advisor based in Montecito, CA.William brings preparation, enthusiasm, and a calm spirit of neutrality to his work, focusing on strategic decision-making and collaboration rather than engaging in daily money management. Throughout his career, he has assisted families, businesses, and key personnel in navigating significant financial challenges and opportunities.Notably, he operates with a rare level of independence in today's market. He neither sells, represents, transfers, nor holds custody over assets or insurance products. Furthermore, he does not accept finders' fees, kickbacks, or commissions.