William Toner, CFP®, AIF®

William Toner

Certified Financial Planner™ Accredited Investment Fiduciary®

Bringing Beauty and Harmony to Your Financial Life

Money is deeply personal—it reflects who we are, what we value, and the life we envision. It’s not just a tool; it’s the thread that runs through our choices, relationships, and dreams. In this way, money shapes many aspects of life, guiding opportunities and revealing what matters most. It brings both freedom and joy, yet can also evoke uncertainty and doubt. Whether you’re just starting your financial journey or navigating a pivotal moment in your success story, or reflecting on a change, I’m here to help you move forward with clarity and confidence. Together, we’ll align your financial resources with your deepest values—so you can build a future that feels as meaningful as it is truly secure.

Experience The Power of true wealth Planning

True Wealth Planning transforms your finances into a powerful tool for achieving your dreams, reducing stress, and living with intention. It’s about more than just numbers—it’s about aligning your money with your values so that it actively supports your well-being, brings you joy, and helps you enjoy a life of meaning.Here’s how True Wealth Planning help you:• Elevate Your Financial Well-being: Gain even greater clarity and confidence in your financial decisions for enhanced peace of mind.• Unlock Time and Energy for What Matters Most: Simplify your financial life to free up time and energy. Focus on your passions and priorities with renewed vigor.• Live a Life of True Alignment: Ensure your financial decisions are in harmony with your values and goals. Experience a deeper sense of purpose and fulfillment.• Create a Personalized Roadmap: Develop a customized financial plan that reflects your unique circumstances, aspirations, and goals for yourself and your loved ones.• Navigate Life's Transitions with Confidence: Successfully navigate life's changes and make informed financial decisions with clarity and resilience.• Overcome Challenges with Ease: Tackle financial complexities like taxes, investments, insurance, equity compensation, or estate planning with expert guidance and support.• Turn Dreams into Reality: Transform your dreams and life goals into actionable financial strategies, including exploring opportunities for enriching life experiences and impactful philanthropy.

William T. Toner, CFP®, AIF®
Certified Financial Planner® Professional; since 2012
Accredited Investment Fiduciary® Professional; since 2012
Investment Advisor Representative; since 2010

Experience The Power of true wealth Planning

True Wealth Planning transforms your finances into a tool for achieving your dreams, reducing stress, and living with purpose. It’s about more than numbers—it’s about creating a life where your money actively contributes to your well-being.Here’s how True Wealth Planning help you:• Elevate Your Financial Well-being: Gain even greater clarity and confidence in your financial decisions for enhanced peace of mind.• Unlock Time and Energy for What Matters Most: Simplify your financial life to free up time and energy. Focus on your passions and priorities with renewed vigor.• Live a Life of True Alignment: Ensure your financial decisions are in harmony with your values and goals. Experience a deeper sense of purpose and fulfillment.• Create a Personalized Roadmap: Develop a customized financial plan that reflects your unique circumstances, aspirations, and goals for yourself and your loved ones.• Navigate Life's Transitions with Confidence: Successfully navigate life's changes and make informed financial decisions with clarity and resilience.• Overcome Challenges with Ease: Tackle financial complexities like taxes, investments, insurance, equity compensation, or estate planning with expert guidance and support.• Turn Dreams into Reality: Transform your dreams and life goals into actionable financial strategies, including exploring opportunities for enriching life experiences and impactful philanthropy.

financial guide to purposeful wealth

As a Certified Financial Planner™ in Montecito, CA, I provide personalized guidance to help you achieve financial clarity and live a flourishing life. With over a decade of experience, I specialize in building strong relationships based on trust, understanding, and shared goals. Financial planning and wealth management should be accessible and empowering—not overwhelming. My mission is to simplify the process so you can focus on what truly matters: living a life aligned with your values and aspirations.This is what you can expect:

Connect

Schedule a complimentary confidential getting acquainted call to discuss your needs and explore if we're a good fit.

Discover

We'll engage in meaningful conversations to understand your values, vision, dreams, and financial situation.

Plan

We'll work together to co-create a comprehensive financial plan that aligns with your vision and addresses your specific financial and life needs.

Thrive

I'll empower you with the knowledge and tools to take control of your financial life, providing ongoing support and guidance as you implement your plan and achieve your vision.

Schedule your complimentary consultation today.

As a Certified Financial Planner™, I’m committed to building trusted confidential relationships that empower you to navigate life’s transitions confidently while staying true to what matters most.

-William T. Toner, CFP®, AIF®

Illuminating the path of wealth and well-being

With over a decade of experience as a financial advisor in Montecito, CA, I'm passionate about empowering my clients to achieve financial confidence and live fulfilling lives. I believe that financial planning should be accessible and understandable, and I'm committed to providing clear explanations and guidance every step of the way.

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