Toberman Becker Wealth, LLC

Toberman Becker Wealth provides discretionary portfolio management and comprehensive financial planning to individuals and high-net-worth clients, with a stated specialization in investors age 50 and older who are retired or planning retirement. Services include individualized investment policy development and ongoing financial planning work such as business planning, estate and tax planning, cash‑flow analysis, and retirement distribution strategies; the firm notes it provides financial plans at no additional fee.

The firm’s investment approach is grounded in Modern Portfolio Theory and primarily implemented with passive, low‑cost index mutual funds and ETFs, while permitting selective active manager use when the firm expects net benefit. Advisors tailor asset allocation to each client’s investment policy and use fundamental and cyclical analysis and tax considerations in portfolio construction and ongoing monitoring.

Distinctive features include the firm’s practice of including the value of held‑away accounts in its advisory fee calculations and its lack of a required minimum account size—practices that can affect fee bases and reported assets under management. Toberman Becker operates as a fee‑only fiduciary with a small advisory team whose principals hold professional credentials (CFA, CPA, CFP), and it emphasizes retirement and business‑exit planning while serving clients both remotely and in person.