Toba Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Toba Financial provides wealth management and project‑based financial planning services to individual clients, including high‑net‑worth individuals. The firm operates on a fee‑only basis and offers ongoing investment management, one‑time planning engagements, and referrals to third‑party professionals such as attorneys, accountants, and insurance agents.
The firm’s investment approach emphasizes asset allocation and passive strategies informed by Modern Portfolio Theory, with periodic reviews and use of mutual funds and ETFs. Clients generally grant non‑discretionary authority—Toba seeks client approval before executing trades—and the firm may recommend third‑party implementation options such as Betterment for Advisors or other outside managers.
As of December 31, 2025, Toba reported approximately $956,000 in non‑discretionary assets under management across five client relationships, a profile that is uncommon among independent advisers where discretionary AUM is more typical. The firm’s principal holds CFP® and Enrolled Agent credentials and maintains active outside roles in tax preparation and public‑sector budgeting, which are noted in the brochure as factors shaping its tax‑aware planning and client‑approval orientation.
Client services
Expertise
Fee options
1% annually
Fee-only: Project-Based Financial Planning fees range from $100 to $5,000
Main office
Kaneohe HI
Advisors at this office
1
Most active in
Hawaii
Also doing business as
Toba Financial · Toba Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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