5 Top Reasons Why You Should Work with Toce Financial
Hiring a financial advisor doesn’t mean stepping into the tired world of high-fee products, generic advice, and confusing titles. At Toce Financial, we’re actively rejecting that model. We aren’t here to perpetuate the status quo we’re here to replace it.
We’re Investment Advisor Representatives (IARs) of an independent Registered Investment Advisory (RIA) firm. That means we operate under a fiduciary standard at all times. No sales quotas. No commissions. Just honest, tech-powered financial planning designed entirely around you.
Let’s unpack what that means and why it matters.
Our Philosophy: Tech-Driven, Fee-Low, Tax-Smart
At Toce Financial, we blend intelligent financial planning with cutting-edge fintech tools. Here’s how we deliver next-gen wealth management:
- Blueprint First: We use RightCapital to build your personalized financial blueprint. This includes everything from retirement forecasts to tax exposure modeling, delivered in a way that’s easy to understand and update over time.
- Automation-Driven Execution: We implement that plan with Altruist, a modern platform that automates investing, rebalancing, and reporting reducing human error and driving down your costs.
- Tax Expertise Built In: You’ll have access to a licensed tax attorney who understands the tax code better than most CPAs. Whether we’re coaching your accountant or optimizing a distribution strategy, tax efficiency is core to your plan.
- Lower Fees = Higher Returns: No overpriced “products.” No bloated layers of management. Just transparent pricing that keeps more of your money compounding for you.
The Problem with the “Traditional” Advisor
Let’s be clear: most of the financial services industry isn’t built to serve you. It’s built to serve itself.
- Fiduciary But Only When Convenient: At firms like Edward Jones or Northwestern Mutual, advisors may act as fiduciaries sometimes but not always. We think that’s unacceptable.
- Confusing Titles and Credentials: CFP, CPA, RIA, IAR it’s an alphabet soup of designations that often hides the fact that many advisors are just salespeople. We prefer clarity. You’re hiring a partner, not a product-pusher.
- Commission-Driven Agendas: When advisors get paid to recommend certain products, your interests take a back seat. That’s not how we operate.
What Makes Toce Financial Different?
We don’t just manage your investments. We design a scalable, tax-optimized system to build your wealth.
- We use the same tech platforms as the most elite advisory firms but we’re independent and lean, which means more value delivered to you.
- We automate wherever possible, removing manual guesswork from your financial plan and allowing it to evolve with your life.
- We don’t hide behind jargon. We’ll tell you exactly what we do, how we do it, and why it works.
- We’re not chasing status quo credentials. We’re building the new standard where transparency, intelligence, and efficiency are the default.
Questions to Ask Any Advisor (Including Us)
If you’re interviewing financial professionals, here are the questions that matter:
- Are you a fiduciary at all times?
- What technologies do you use to automate my plan?
- How do you integrate tax strategy into investment management?
- How do you get paid and who pays you?
- What’s your process for updating my plan as my life changes?
If their answers feel vague or evasive, trust your gut.
When to Reach Out
You don’t need to be rich. You don’t need to wait for the perfect moment. You just need to be ready to take your financial life seriously.
- Starting a new job or business
- Planning for retirement
- Managing an inheritance or windfall
- Navigating taxes and cash flow
- Wanting better than the status quo
Final Thoughts: Build with Us, Not Around Us
You don’t need another pitch. You need a real partner. At Toce Financial, we’re not another cog in the machine, we’re building a new one.
With intelligent planning, automated execution, tax strategy, and a fully transparent fee structure, we’re giving our clients the edge the industry doesn’t want them to have.
Let’s build your future together on your terms.