Frequently Asked Questions
Are you a fee-only advisor?
Yes, we are a fee-only advisor meaning no sales and no commissions on insurance products.
What services do you provide. ?
We offer both Flat-Fee Financial Planning as well as the option for Investment Management through a AUM fee. Most of our clients choose Toba Financial for our expertise in retirement planning with an emphasis on developing a tax efficient distribution strategy for our clients.
Does it cost anything for the first meeting?
The initial consultation is free. During this session, we try to understand what you are looking for in a financial professional and together, determine if it is a good fit.
Is there an account minimum for your clients?
We currently do not have an account minimum for our Investment Management clients. We focus more on the relationship and finding a good fit, than on account minimums. If we feel that we can provide you with the highest level of service and value, then we will! Many of our new clients come from our existing clients' family or friends.
Why work with a financial advisor (or CFP®)?
Most people think all financial planners are “certified,” but this isn’t true. Just about anyone can use the title “financial planner.”
In order to call themselves a CERTIFIED FINANCIAL PLANNER® professional, these advisors must meet rigorous education, examination and experience requirements and commit to high ethical and professional standards.
Email: jason@tobawealth.com
Phone: (808) 388-5577
ToBA Financial LLC (“ToBA Financial”) is a registered investment advisor offering advisory services in the State of Hawaii and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by ToBA Financial in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.[1] All written content on this site is for information purposes only. Opinions expressed herein are solely those of ToBA Financial, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Some states are aggressive with finding unregistered firms soliciting (via internet) in their state (or claiming they are). This is more important for State Registrants, and less so than SEC Registrants.