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Tobias Cardone

Voya Financial Advisors, INC.
43 Years of Experience
Toledo, OH
1 DisclosureBrokerSells Insurance
View SEC Summary
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Tobias Cardone is a registered investment advisor at Voya Financial Advisors, INC., based in Toledo, OH, with 43 years of industry experience. Tobias is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Business Owners, Corporate Executives, Education Planning, Estate Planning, and 7 more. Their firm serves 16,336 clients with $3.9B in assets under management.

Voya Financial Advisors, INC.
Compensation
Commission-BasedFee-Only (% of Portfolio)Fixed/Hourly
Firm Size
755 advisors
Number of Clients
16,336 clients
Average Client Portfolio
$237K average
Assets Under Management
$3.9B

Fee Structure

Minimum Investment:$1K
Planning is included in investment management (also available separately)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $250K2.75%
$250K - $500K2.75%
$500K - $1.0M2.50%
$1.0M - $2.0M2.35%
$2.0M - $5.0M2.10%
$5.0M - $10.0M2.05%
$10M+2.00%

Schedule reflects the Unified Managed Account Program maximum total annual client fee. The Fidelity Program (closed to new clients) has separate tiers up to 1.00%. Third-party programs range from 0.75% to 2.50%.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

2760 Centennial Rd, Toledo, OH, 43617

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
November 2025
Denied
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Tobias is an independent insurance agent selling fixed insurance products since 1971, dedicating a few hours per week. He is also a partner in Cardone Financial Group, LLC, which is used for tax and office expenses, dedicating about 10-20% of his time.

Employment History
Current Registrations
Voya Financial Advisors, INC.
January 2011 - Present · 15 yrs 9 mos
Voya Financial Advisors, INC.Broker
January 2011 - Present · 15 yrs 9 mos
Previous Registrations
Ing Financial Advisers, LLC
October 2005 - January 2011 · 5 yrs 3 mos
Ing Financial Advisers, LLCBroker
October 1993 - January 2011 · 17 yrs 3 mos
Systematized Benefits Administrators, INC.Broker
March 1990 - October 1993 · 3 yrs 7 mos
G. R. Phelps & CO., INC.Broker
March 1985 - December 1989 · 4 yrs 9 mos
Aetna Life Insurance and Annuity CompanyBroker
June 1983 - October 1993 · 10 yrs 4 mos
State Registrations16 states
AKAZCACOFLILINKYMINCNYOHPASCTXVA
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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