Toft Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm advises individuals and high‑net‑worth individuals, providing wealth management that combines discretionary investment management with comprehensive financial planning, plus standalone and project‑based planning engagements. It operates on a fee‑only basis and uses percentage‑of‑AUM fee arrangements for portfolio management, consistent with common practice among independent advisers.
Investment decision‑making emphasizes asset allocation and modern portfolio theory, supplemented by quantitative and factor‑based analysis. Portfolios may be implemented through model portfolios, separately managed accounts, third‑party sub‑advisers and Dimensional Wealth Models, with ongoing monitoring and written planning deliverables provided as part of wealth management engagements.
Although organized as an independent, one‑advisor firm, it is not structured as a typical solo practitioner: the firm has a formal compliance officer role and requires client custody on an institutional platform. The adviser is newly registered in 2026 and currently reports no assets under management, and it also offers a limited number of project‑based pro bono planning engagements—features that set it apart from many small, established independent firms.
Client services
Expertise
Demographic focus
Fee options
$0 - $1,000,000: 1.00% Over $1,000,000 - $5,000,000: 0.75% Over $5,000,000 - $10,000,000: 0.55% Over $10,000,000 - $25,000,000: 0.40% Over $25,000,000+: 0.30%
Project-Based Financial Planning fixed fees range from $3,000 to $12,000.
Minimum fee: Minimum annual advisory fee of $3,000 for ongoing Wealth Management Services, may increase up to $10,000 depending on engagement scope and complexity. Fee-only: Ongoing Financial Planning fees range from $3,000 to $40,000 annually; Project-Based Financial Planning fixed fees range from $3,000 to $12,000; Pro Bono Financial Planning offered at no cost.
Main office
Normal IL, United States
Most active in
Illinois
Also doing business as
Sowers Wealth · Sowers Wealth, LLC · Toft Wealth · Toft Wealth, 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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