William Toner, CFP®, AIF®
William Toner
Certified Financial Planner™ | Accredited Investment Fiduciary®
Certified Financial Planner™ Accredited Investment Fiduciary®
Wealth Aligned with Life. Not Just Numbers.
You feel it, don't you? Your wealth isn't just about accounts or spreadsheets; it's about the true assets of life: 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 enjoy it. Money can't buy these things, but you can strategically invest in helping them grow and thrive.My journey to founding this firm came from a clear realization: individuals and families deserve better. For years, at top Wall Street firms, I saw plans that grew, protected, and transferred assets, yet inadvertently caused harm and confusion within important family relationships, impacting emotional well-being. Helping clients anticipate and navigate such unintended consequences was often outside the traditional scope of large institutions.You're not alone. Financial planning can feel like a frustrating maze of jargon and complexity. Even with accounts at prestigious firms, high-net-worth clients sense something crucial is missing. They need a truly aligned strategy and a dedicated partner who understands:
• Money and Business: Seeing beyond the portfolio to grasp the full scope of their financial world and entrepreneurial ventures.
• The Family and Individuals: Communicating effectively on sensitive financial matters with all family members and unique personal needs.
• Absolute Discretion: Prioritizing their privacy and confidentiality in all financial affairs.The truth is, most people—especially those with significant wealth—find the advice they get generic, confusing, or completely out of sync with their real life. This is because most financial, tax, and legal approaches to planning, while robust on the quantitative side, often fall short in accurately accounting for the human and relational aspects of wealth, whether for yourself, your loved ones, or a broader legacy. They often overlook the deeper purpose behind your financial decisions and how 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. True Wealth Planning is our intentional process that moves beyond mere assets, guiding you toward a financial life that sparks authentic joy, deep peace of mind, and the thrilling anticipation of what’s truly possible.This isn't just about managing money; it's an empowering act of self-care. We help you uncover your core values. Then, we apply a powerful approach: every financial choice links directly to why you're making it. This isn't a technical exercise.Here's our secret sauce: True Wealth Planning utilizes a proven, research-based approach to the human and qualitative aspects of wealth planning. This isn't just about numbers; it's a systematic methodology that integrates psychological insights to deeply understand what drives you. This approach is precisely informed by values and goal enrichment, ensuring your plan isn't just financially sound, but profoundly aligned with your deepest aspirations and well-being, engaging both your logic and your most profound motivations.
"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: Gain unshakeable clarity & confidence in every financial decision.• Reclaim Precious Time & Energy: Simplify your financial world, focus on what you love most.• 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: Gain unshakeable clarity & confidence in every financial decision.• Reclaim Precious Time & Energy: Simplify your financial world, focus on what you love most.• 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
Fill out the form below to take the first simple step.
As a Certified Financial Planner™, I’m committed to building trusted, confidential relationships that empower you to navigate life’s transitions while staying true to what matters most.-William T. Toner, CFP®, AIF®
YOUR DEDICATED PARTNER IN CULTIVATING PURPOSEFUL WEALTH
As a CERTIFIED FINANCIAL PLANNER™ 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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