Find a time to talk.

The first call is free and takes 30 minutes, by phone or video: a chance to understand what is on your mind, the help you are seeking, and whether Toft is a fit. You do not need to prepare a complete financial file. If the fit is unclear, you are free to stop there. If it seems a fit, a free Proposal Meeting of about an hour comes next, where Toft recommends a service and fee. Nothing is billed until an agreement is in writing, and planning then begins with your Vision Meeting.

Toft is fee-only: paid by clients, and only by clients. Wealth Management uses a marginal asset-based fee schedule: 1.00% on the first $1 million, 0.75% from $1 million to $5 million, 0.55% from $5 million to $10 million, 0.40% from $10 million to $25 million, and 0.30% above $25 million. Each rate applies only to assets within that tier. Ongoing Planning is an annual fee of $3,000 to $40,000, set by scope and billed monthly; Project Planning is a fixed fee of $3,000 to $12,000, agreed in advance.

Yes. Toft is based in Bloomington–Normal, Illinois, and works with clients in person and by video, subject to applicable registration requirements.