Tone Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Tone Financial Advisors serves individuals, families, churches and nonprofit institutions, offering discretionary investment portfolio management with quarterly reporting and an annual in‑person review. The firm manages non‑employer brokerage, IRA and Roth accounts through an independent custodian and also advises on employer‑sponsored retirement accounts when engaged.
The firm’s approach emphasizes a long‑term, asset‑allocation driven strategy documented in a personalized Investment Policy Statement, using diversification, periodic rebalancing, and broadly diversified mutual funds, index funds, and exchange‑traded products while avoiding market timing and most private or derivative investments. Clients may choose biblically‑responsible, socially‑responsible, or values‑neutral portfolios, and the adviser places stated client values ahead of pure performance when selecting specific investment vehicles.
Distinctive features include the explicit integration of a conservative Christian worldview and a biblical‑stewardship framework into investment selection and firm operations, including a Code of Ethics that commits at least 10% of gross income to selected charities. As a single‑advisor practice led by an adviser with a technology background who also operates a separate software business, the firm relies on a digital custodian platform and generally prefers that clients consolidate accounts under its management, with potential surcharges for externally held accounts.
Client services
Demographic focus
Fee options
1.00% annually equivalent (charged quarterly pro-rata)
Account minimum: $120,000 Minimum fee: $300 per quarter Fee-only: Fee-only investment management; no commissions, 12b-1 fees, rebates, kickbacks, or referral fees
Main office
Stoughton WI
Advisors at this office
1
Most active in
Wisconsin
Disclosures
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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.
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