Toro Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,256,420
Clients
32
9% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
32
TypicalAverage account size
$133,013
About
Toro Financial Advisors provides discretionary asset management and retirement plan advisory services, including acting as a 3(21) or 3(38) fiduciary for qualified retirement plans, and also offers financial planning and consultation. The firm may manage client portfolios using model portfolios from a model marketplace and engages third‑party sub‑advisors to implement investment strategies.
The firm’s approach is discretionary and blends fundamental and technical analysis with flexibility in trading tactics; stated strategies include long- and short-term positions, option writing, and the use of margin and derivatives in separately managed accounts. Toro Financial Advisors retains responsibility for suitability and portfolio oversight while subscribing to third‑party models and appointing sub‑advisors who execute trades and may further delegate authority.
Noteworthy for a manager in this category, the firm explicitly provides pension consulting and ERISA plan 3(21)/3(38) services, selects and oversees other advisers, and discloses the use of borrowing and derivatives in managed accounts—features that are relatively uncommon among its peers. The firm also charges hourly fees for planning work, maintains an affiliated insurance practice with disclosed commissions, and—having begun advisory services in 2024—reports no assets under management at this time.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Retirement plans for business owners (SEP, solo 401k)
Entity structure planning (LLC, S-Corp)
Options & derivatives strategies
Occupation focus
Founder/Business Owner
Executive
Fee options
$0+: Up to 1.0% annually (negotiable) for discretionary asset management services Up to $250,000,000 - $250,000,000: 0.150% annually (Synergy Asset Management fee) $250,000,001 - $500,000,000: 0.125% annually (Synergy Asset Management fee) $500,000,001 - $750,000,000: 0.100% annually (Synergy Asset Management fee) Over $750,000,000+: 0.085% annually (Synergy Asset Management fee)
External compensation from sales of investment related products such as insurance (commissions)
$350 per hour for financial planning services
Fee-only: Hourly fee of $350 for financial planning and consulting
Main office location
Toro Financial Advisors
2335 Temple Trail, Suite 5
Winter Park FL 32789, United States
Number of offices
1
Most active in
Toro Financial Advisors has reported serving >5 clients in these states in the last 12 months.
Florida
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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