Fee-only financial planning & wealth management
Wealth,
at Home.
Financial advice for a life of joy, generosity, and contentment. Bringing the important pieces of your financial life into one picture.
Approach
Good advice brings order to your financial life, and room to live it well.
Simplicity
Clear priorities, plain explanations, and a plan you can live with.
Sincerity
A relationship built on listening, candor, and fiduciary care.
Practicality
Useful recommendations, organized follow-through, and attention to detail.
Services
Three ways to work with Toft.
Wealth Management brings planning and investments together in one relationship. Two narrower engagements are available when they fit better.
Wealth Management
For households who want one advisor responsible for the whole picture: planning and investments, today and over time.
Ongoing Planning
Project Planning
Situations
Guidance for meaningful seasons.
The questions may be technical; the decisions are personal. Toft brings order and perspective when responsibility, change, or uncertainty makes the path harder to see.
Retirement
Coordinate income, taxes, investments, and the choices that shape the years ahead.
Explore retirement
Widowhood
Move carefully, handle what is urgent, and make larger decisions when the time is right.
Explore widowhood
Inheritance
Understand what you have received, then decide what it should become, at a considered pace.
Explore inheritance
Process
A structure for decisions.
The Financial Plat is Toft’s planning process. It maps the major parts of your financial life into one working plan, beginning with what matters, moving through each connected decision, and keeping the result current.
The Financial Plat: seven connected planning areas, in the order the work moves.
Conversation
Understand what is changing, what matters, and what a useful advisory relationship should accomplish.
Planning
Organize the financial pieces, identify priorities, and turn analysis into a practical plan.
Stewardship
Implement, review, and adapt as markets, laws, responsibilities, and life evolve.
Resources
Useful thinking for real decisions.
Bring the pieces under one roof.
A first conversation is simply a chance to understand what is on your mind and whether Toft may be a useful fit.