FINANCIAL PLANNING THAT NURTURES YOUR SOUL AND GROWS YOUR RICHES

You intuitively know your wealth is about more than just accounts and spreadsheets. It's about a richer way to live—where your money deeply aligns with your most cherished values and deepest purpose.

Your money deeply aligns with your most cherished values and deepest purpose.

Yet, for too many, conventional 'financial planning' has become a source of stress: a maze of complexity, jargon, and a relentless pursuit of 'more' that can leave your spirit depleted and your true intentions unclear. You're not alone. The truth is, 71% of consumers are more confused after meeting an advisor than before. And if you're a high-net-worth individual, chances are you've experienced this frustration firsthand, as nearly 90% of those with $10 million or more in personal wealth find the advice they receive "too generic". This isn't just frustrating; it's a critical breakdown in preparing your family for the future, with 70% of financial institutions admitting that understanding your individual needs is a main challenge. If you're ready to escape this cycle of confusion and generic advice, True Wealth Planning is your answer.

If you're ready to move beyond this confusion and generic advice, True Wealth Planning is your answer.

If you're ready to move beyond this confusion and generic advice, True Wealth Planning is your answer.

It's an intentional journey that moves beyond mere assets, guiding you toward a financial life that brings profound freedom, authentic joy, and deep peace of mind. This path ignites a thrilling anticipation for what's possible, sparking a vibrant, uninhibited excitement so that following through feels less like a daunting task and more like a weightless, natural, soaring step toward greater satisfaction and your ideal life.

WHAT IF YOUR MONEY COULD BECOME A SOURCE OF UNSHAKEABLE PEACE AND PROFOUND FREEDOM?

What if managing your wealth could become an empowering act of self-care? We believe every financial choice should lead to crystal-clear decisions, deeply rooted in your personal truth and responsible stewardship. We don't just manage your money; we help you discover your core values. Then, we apply a powerful "Because/Therefore" framework – so your financial choices aren't just about desired outcomes, but about why you're making them, aligning every dollar with your deepest convictions. This is how we activate your motivation and openness, making financial planning feel aspirational, not just technical. This isn't merely about managing assets; it's a proven path to a richer, more satisfying life where your finances finally serve your deepest purpose.

If you're ready to move beyond this confusion and generic advice, True Wealth Planning is your answer.

If you're ready to move beyond this confusion and generic advice, True Wealth Planning is your answer.

This isn't merely about managing assets; it's a proven path to a richer, more satisfying life where your finances finally serve your deepest purpose.It’s about transforming your relationship with money from one of anxiety to one of intentional calm and powerful stewardship.

This isn't merely about managing assets; it's a proven path to a richer, more satisfying life where your finances finally serve your deepest purpose.

It’s about transforming your relationship with money from one of anxiety to one of intentional calm and powerful stewardship.

YOUR INTENTIONAL PATH TO FINANCIAL CLARITY

You see, traditional financial planning often pushes rushed decisions and cookie-cutter advice. It's asset-focused, tool-driven, generic, and static. This old model completely misses the crucial elements of family communication, cohesion, identity, and generational impact – which are the real drivers of lasting legacy.

This old model completely misses the crucial elements of family communication, cohesion, identity, and generational impact – which are the real drivers of lasting legacy.

We do the opposite.Instead of rushing through, we take an intentional, focused approach. This isn't about slowing down; it's about seeing what others miss – uncovering clarity that dramatically simplifies your financial life and unlocks powerful new opportunities. It's how we gently clear the overwhelming financial landscape, guiding you to a quiet understanding of what truly matters.

We gently clear the overwhelming financial landscape, guiding you to a quiet understanding of what truly matters.

If you're ready to move beyond this confusion and generic advice, True Wealth Planning is your answer.

We gently clear the overwhelming financial landscape, guiding you to a quiet understanding of what truly matters.

This deliberate process ensures your financial decisions are always aligned with your vision for a meaningful life, free from unnecessary complexity. We aim to subtract complexity and simplify your life, helping you develop goals that lead to greater joy and satisfaction.

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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

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Experience The Power of true wealth Planning

Here’s how we guide you to transform your financial life and achieve 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.• 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. Our focus extends beyond just financial gains; we aim to help you cultivate strong family relationships, instill ethical behavior, and foster a deep sense of purpose in the next generation. We believe people are more motivated by possibility than by problem-solving, and our planning sparks excitement for what's ahead.

READY TO UNLOCK YOUR TRUE WEALTH?

Your first step is simple, risk-free, and potentially life-changing.Here’s what you can expect as we begin illuminating your unique path to profound peace and prosperity:

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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®

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:

This is the heart of our work: connecting your resources to what nourishes your spirit.

“The most beautiful things in the world cannot be seen or even touched. They must be felt with the heart.”
- Helen Keller.

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