Tobi, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Tobi, Inc. operates an algorithmic wealth‑building subscription platform that primarily serves individual users through animated educational video modules, linked‑account dashboards, and model portfolio recommendations. The firm also acts as a portfolio manager and sponsor of a wrap‑fee program, while reporting zero assets under management as of December 2025.
Tobi’s technology-driven approach uses third‑party account aggregation to ingest outside account balances and transactions, then applies modern portfolio theory and a long‑term ETF trading orientation to generate recommended allocations based on a user’s risk appetite and time horizon. Subscription access and payments are handled as in‑app purchases, and the platform displays aggregated outside account information for budgeting and projection purposes (Tobi does not retain linked account login credentials).
Notable features that distinguish Tobi from many peers include its role as a wrap‑fee program sponsor (an uncommon function for firms in this category) and the principal’s professional background as a lawyer, which the brochure discloses but notes will not be offered as a client service. The firm also requires use of a specific custodian (Apex), charges a fixed subscription rather than a traditional percentage‑of‑AUM advisory fee, and indicates there are no routine account reviews or regular reports for the subscription platform.
Client services
Expertise
Fee options
$10 per month or $99 per year after a 7 day free trial; promotional rate of $1 per year for a limited time
Main office
4287 Altavista Lane
Marshall VA 20115
Advisors at this office
1
Most active in
Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Lawyer
They provide legal services, typically billed separately.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)