Toams Financial offers customized investment advisory and financial planning services to individuals and high-net-worth clients. Operating as a registered investment advisor, Toams Financial builds personalized investment portfolios consisting of individual stocks, exchange-traded funds, bonds, certificates of deposit, and structured notes to match each client's specific goals, time horizon, and risk tolerance. The firm also incorporates financial planning services either as part of investment management or through standalone agreements, covering areas such as retirement, estate planning, personal savings, education, and insurance needs. Toams Financial uses fundamental, technical, cyclical, and behavioral analysis methods to guide its long-term investment strategies. The firm requires a minimum account size of $10,000 to effectively implement its investment process.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 2.50% |
Investment advisory fees range up to 2.50% annually depending on factors such as portfolio complexity, level of assets managed, and the overall relationship. Fees are negotiable at the firm's discretion.