William Toner, CFP®, AIF®

William Toner

Certified Financial Planner™ | Accredited Investment Fiduciary®

Certified Financial Planner™ Accredited Investment Fiduciary®

Navigating Life's Financial Turning Points: Purposeful Planning for Wealth and Well-Being.

Life has a way of throwing us financial curveballs, doesn't it? Those big moments often bring unexpected twists, quiet worries, and a feeling that the advice you once relied on just isn't cutting it anymore. You might also be seeking additional expert oversight, even when your financial path seems clear. If you're an accomplished individual or family finding that generic advice falls short, or if you just need a higher standard of care to navigate a significant financial change, you're in the right place. We're here to bring objective clarity, genuine peace, and true well-being to your financial journey.

Beyond the Balance Sheet: Why Generic Advice Falls Short

You feel it, don't you? Your wealth isn't just about money. It's 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 truly live. While money alone can't buy these, you can strategically align your resources to cultivate and nurture them.The truth is, a lot of traditional financial advice focuses only on the dollars and cents, often missing the deeply personal and relational aspects of wealth. It can feel generic, confusing, or simply out of touch with your real life. I established this firm because I believe you shouldn't have to choose between growing your finances and fostering healthy well-being. My commitment is to empower you to build and share wealth in a way that strengthens your most important connections, operating solely in your best interest.

"If you're tired of generic advice and ready for clarity, True Wealth Planning is your answer."

Our Solution: True Wealth Planning

Imagine your money becoming a source of calm, not stress. Through our True Wealth Planning process, we move beyond mere asset management, guiding you toward a financial life where both your quantitative prosperity and your qualitative fulfillment are deeply connected, sparking authentic joy and profound peace. This transformation redefines your relationship with wealth.Traditional planning often rushes decisions, overlooking what truly matters most: your personal satisfaction, open family conversations, shared values, your identity, and the legacy you want to leave. We take a different path. We use an intentional, purposeful approach. This isn't about slowing down; it's about seeing what others miss. This brings a clarity that can dramatically simplify your financial life and open up powerful new opportunities. We gently clear away the financial clutter, guiding you to a quiet understanding of what truly matters to you.

"It’s how your money finally serves your deepest purpose, transforming anxiety into intentional calm and powerful stewardship."

Experience The Power of true wealth Planning

Here’s how we transform your financial life and bring unprecedented peace:• Stop Doubting: Eliminate gnawing financial doubt and sleep soundly knowing every decision is aligned.• Reclaim Precious Time & Energy: Free up countless hours and mental energy, so you can focus on what truly energizes you.• Live in True Alignment: Harmonize your money with your deepest values for unprecedented peace and purpose, and feel the difference.• 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.

Your Path to Profound Peace and Prosperity

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

READY TO UNLOCK YOUR TRUE WEALTH?

Your first step is simple, risk-free, and potentially life-changing.

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 a warm, empathetic conversation, we'll gently delve into not just your financial picture, but your personal history with money, the core values that truly drive you, and the deeply held beliefs that shape your decisions. 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®

As a Certified Financial Planner™ professional, 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 financial 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.”