Toce Financial Group LLC

Toce Financial Group provides discretionary portfolio management and comprehensive or modular financial planning to individuals and legal entities, implementing portfolios that typically use diversified ETFs, mutual funds, and occasional individual securities. Financial planning deliverables include written observations, charts and recommendations, with ongoing plan reviews (quarterly, semi‑annual, or annual) after the initial plan delivery.

The firm’s investment approach emphasizes low‑cost, broadly diversified, index‑based allocations informed by Vanguard and other third‑party research, with specific implementation around S&P 500 index funds/ETFs and attention to tax‑aware practices such as tax‑loss harvesting. TFG will accommodate clients who prefer active or value‑oriented management — including fundamental security analysis and custom stock portfolios — but generally focuses on passive, long‑term asset allocation and periodic rebalancing and monitoring.

The brochure discloses the firm’s use of hypothetical performance in its materials and pairs those presentations with expanded, specific risk disclosures about passive/index strategies, ETF structure, and S&P 500 concentration risks. Distinctive operational features include a single recommended custodian requirement, a small advisory team managing modest aggregate AUM (consistent with a client base weighted toward individual rather than large high‑net‑worth accounts), and advisory personnel whose backgrounds include legal/tax training and a specialist focus on special‑needs planning.