Toole Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
15
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
15
Average account size
$0
About
Toole Financial is a fee-only independent advisory firm that provides project-based and ongoing financial planning to individuals, high-net-worth clients, and charitable organizations. Services include retirement and estate planning, tax and cash-flow analysis, business planning, investment analysis, risk management, and non-advisory financial education for organizations.
The firm’s advice is delivered through tailored planning engagements; when securities are recommended, the approach emphasizes Modern Portfolio Theory and passive, asset-allocation-based recommendations. Toole Financial does not provide discretionary portfolio management or custody, and clients implement recommendations with custodians of their choice; fees are charged on an hourly or fixed recurring basis rather than as a percentage of assets.
Compared with many peers, the firm’s work with charitable organizations and its offering of organizational seminars and financial wellness programs are notable and relatively uncommon for a solo independent adviser. Its explicit focus on planning and education—combined with an absence of AUM-based billing and discretionary investment management—means clients engage the firm primarily for advice and implementation guidance rather than outsourced investment execution.
Client services
Financial planning
Educational seminars or workshops
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Retirement income strategy
Fee options
Ongoing Financial Planning: $150 per month fixed fee; Non-advisory educational services: fixed fees for seminars and webinar series ranging from $100 to $7,500 depending on scope
$250 per hour for Project-Based Financial Planning; $250 per hour for one-time virtual presentations preparation and delivery; $250 per hour preparation plus $750 per day for in-person seminars
Fee-only: Project-Based Financial Planning: $250 per hour (negotiable, max $500 billed more than 6 months in advance); Ongoing Financial Planning: $150 per month (negotiable)
Main office location
Toole Financial
Longmeadow MA, United States
Number of offices
1
Most active in
Toole Financial has reported serving >5 clients in these states in the last 12 months.
California · Massachusetts
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
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