Toba Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$956,055
Total clients
5
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
5
Average account size
$191,211
About
Toba Financial provides wealth management and project‑based financial planning services to individual clients, including high‑net‑worth individuals. The firm operates on a fee‑only basis and offers ongoing investment management, one‑time planning engagements, and referrals to third‑party professionals such as attorneys, accountants, and insurance agents.
The firm’s investment approach emphasizes asset allocation and passive strategies informed by Modern Portfolio Theory, with periodic reviews and use of mutual funds and ETFs. Clients generally grant non‑discretionary authority—Toba seeks client approval before executing trades—and the firm may recommend third‑party implementation options such as Betterment for Advisors or other outside managers.
As of December 31, 2025, Toba reported approximately $956,000 in non‑discretionary assets under management across five client relationships, a profile that is uncommon among independent advisers where discretionary AUM is more typical. The firm’s principal holds CFP® and Enrolled Agent credentials and maintains active outside roles in tax preparation and public‑sector budgeting, which are noted in the brochure as factors shaping its tax‑aware planning and client‑approval orientation.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Annuities
Retirement withdrawal strategies
Cash flow / budgeting
Business exit / sale strategy
Fee options
1% annually
Fee-only: Project-Based Financial Planning fees range from $100 to $5,000
Main office location
Toba Financial
Kaneohe HI, United States
Number of offices
1
Most active in
Toba Financial has reported serving >5 clients in these states in the last 12 months.
Hawaii
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
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.
Forms ADV
Quick links
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