Tonia Ryan
Advisor at AFS Investments
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
AFS Investments
Location
Sacramento, CA 95864
Credentials
Series 63, Series 65
Industry experience
15 years
About
Tonia Ryan is a financial advisor at AFS Investments with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Franklin Templeton and Wealth Design Group. Outside of her advisory role, she is a self-employed notary public in Sacramento, CA. AFS Investments is a family-owned registered investment adviser serving individuals, trusts, retirement plan sponsors, and business entities. The firm employs both a bottoms-up stock selection and a top-down asset allocation approach, offering discretionary and non-discretionary portfolio management as well as ERISA fiduciary consulting for qualified retirement plans.
Client services
Based on AFS Investments
Financial planning
Portfolio management
Selection of other advisers
Portfolio monitoring/consulting
Expertise
Based on AFS Investments
Wealth management
Active portfolio management
Retirement plans for business owners (SEP, solo 401k)
Fee options
Fixed fees for consulting and financial planning services, minimum $500
$0 - $1,000,000: 1.50% annually (Discretionary - Bottoms Up) $1,000,000 - $1,999,999: 1.25% annually (Discretionary - Bottoms Up) $2,000,000 - $4,999,999: 1.00% annually (Discretionary - Bottoms Up) $5,000,000 - $9,999,999: 0.75% annually (Discretionary - Bottoms Up) $10,000,000 - $24,999,999: 0.50% annually (Discretionary - Bottoms Up) $25,000,000 - $39,999,999: 0.30% annually (Discretionary - Bottoms Up) $40,000,000+: Negotiable (Discretionary - Bottoms Up) $0 - $1,000,000: 1.00% annually (Discretionary - Top Down) $1,000,000 - $1,999,999: 1.00% annually (Discretionary - Top Down) $2,000,000 - $4,999,999: 1.00% annually (Discretionary - Top Down) $5,000,000 - $9,999,999: 0.75% annually (Discretionary - Top Down) $10,000,000 - $24,999,999: 0.50% annually (Discretionary - Top Down) $25,000,000 - $39,999,999: 0.30% annually (Discretionary - Top Down) $40,000,000+: Negotiable (Discretionary - Top Down) $0 - $1,000,000: 1.00% annually (Non-Discretionary) $1,000,000 - $1,999,999: 1.00% annually (Non-Discretionary) $2,000,000 - $4,999,999: 1.00% annually (Non-Discretionary) $5,000,000 - $9,999,999: 0.75% annually (Non-Discretionary) $10,000,000 - $24,999,999: 0.50% annually (Non-Discretionary) $25,000,000 - $39,999,999: 0.30% annually (Non-Discretionary) $40,000,000+: Negotiable (Non-Discretionary) $0 - $1,000,000: 1.00% annually (Qualified Accounts - Discretionary Level 3) $1,000,000 - $1,999,999: 1.00% annually (Qualified Accounts - Discretionary Level 3) $2,000,000 - $4,999,999: 1.00% annually (Qualified Accounts - Discretionary Level 3) $5,000,000 - $9,999,999: 0.75% annually (Qualified Accounts - Discretionary Level 3) $10,000,000 - $24,999,999: 0.50% annually (Qualified Accounts - Discretionary Level 3) $25,000,000 - $39,999,999: 0.25% annually (Qualified Accounts - Discretionary Level 3) $40,000,000+: Negotiable (Qualified Accounts - Discretionary Level 3) $0 - $1,000,000: 0.75% annually (Qualified Accounts - Discretionary Level 2) $1,000,000 - $1,999,999: 0.75% annually (Qualified Accounts - Discretionary Level 2) $2,000,000 - $4,999,999: 0.75% annually (Qualified Accounts - Discretionary Level 2) $5,000,000 - $9,999,999: 0.75% annually (Qualified Accounts - Discretionary Level 2) $10,000,000 - $24,999,999: 0.50% annually (Qualified Accounts - Discretionary Level 2) $25,000,000 - $39,999,999: 0.25% annually (Qualified Accounts - Discretionary Level 2) $40,000,000+: Negotiable (Qualified Accounts - Discretionary Level 2) $0 - $1,000,000: 0.50% annually (Qualified Accounts - Non-Discretionary Level 1) $1,000,000 - $1,999,999: 0.50% annually (Qualified Accounts - Non-Discretionary Level 1) $2,000,000 - $4,999,999: 0.50% annually (Qualified Accounts - Non-Discretionary Level 1) $5,000,000 - $9,999,999: 0.50% annually (Qualified Accounts - Non-Discretionary Level 1) $10,000,000 - $24,999,999: 0.50% annually (Qualified Accounts - Non-Discretionary Level 1) $25,000,000 - $39,999,999: 0.25% annually (Qualified Accounts - Non-Discretionary Level 1) $40,000,000+: Negotiable (Qualified Accounts - Non-Discretionary Level 1)
$150 to $500 per hour for consulting and financial planning services
Minimum fee: Minimum annual household fee of $500
Location
3445 American River Drive, Suite B
Sacramento, CA 95864
Most active in
Tonia R has reported serving >5 clients in these states in the last 12 months.
California · Texas
Work history
AFS Investments
2021 - Present (5 years)
Wealth Design Group
2020 - Present (6 years)
Franklin Templeton Financial Services Corp.
2020 - 2020 (1 year)
Franklin Templeton Distributors Inc.
2018 - 2020 (2 years)
Franklin Templeton Investor Services LLC
2017 - 2018 (1 year)
Team Giving
2016 - 2017 (1 year)
Weave
2014 - 2017 (3 years)
Soroptimist International
2014 - 2020 (6 years)
Waddell & Reed, Inc
2013 - 2017 (4 years)
Various Insurance Carriers For W&R Insurance Agencies
2013 - 2017 (4 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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