Toce Financial Group

Toce Financial Group provides discretionary portfolio management and modular or comprehensive financial planning to individuals, high‑net‑worth individuals, foundations, and legal entities. Planning deliverables are delivered on an ongoing basis and may include written observations, charts, graphs, and recommendations; portfolios typically use diversified ETFs, mutual funds, and occasional individual securities.

The firm’s investment approach is primarily passive and cost‑focused, emphasizing low‑cost index funds/ETFs, long‑term asset allocation, diversification, and tax‑aware practices such as tax‑loss harvesting and periodic rebalancing, drawing on third‑party research (e.g., Vanguard). At clients’ request, TFG will also implement active value‑oriented strategies and custom stock portfolios using fundamental analysis, allowing a core passive allocation with limited individual security selection when appropriate.

Noteworthy features include a principal with legal training in tax and business law and an advisor who specializes in special‑needs planning, which can influence the firm’s estate and tax planning work. The firm discloses that it reimburses most account‑level custodian and trading fees at its preferred custodian and that its written planning materials can include charts or scenarios that may present hypothetical performance projections, a practice less common among peers.