Toyer Investment Advisors LLC

The firm serves individual clients, including high‑net‑worth individuals, by providing financial planning, ongoing portfolio management (both discretionary and nondiscretionary), and investment consultation. Its planning work ranges from broad-based plans to modular engagements covering retirement, tax and estate planning, cash flow analysis, and risk management, and the brochure states the firm does not require a minimum asset or income level to engage.

The firm’s investment approach blends fundamental and technical analysis and constructs portfolios using ETFs, equities, and fixed‑income securities, employing both passive (Modern Portfolio Theory) and active strategies to align allocations with clients’ objectives and risk tolerances. It prepares written investment guidelines, allows reasonable client constraints on holdings, and relies on a third‑party custodian for trade execution and client reporting.

Noteworthy differences from many peers include affiliated businesses for insurance distribution and tax/accounting services under common control, with the firm’s principal licensed as an insurance agent and operating an affiliated insurance agency and an affiliated tax preparation firm — activities the brochure discloses may occupy a material portion of business hours and generate commission income. The firm also requires use of a single negotiated custodian for its portfolio management clients and operates as a sole‑advisor practice with a small client base, arrangements that the brochure identifies as potential sources of conflicts of interest that are disclosed and managed.