Toole Financial
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About
Toole Financial is a fee-only independent advisory firm that provides project-based and ongoing financial planning to individuals, high-net-worth clients, and charitable organizations. Services include retirement and estate planning, tax and cash-flow analysis, business planning, investment analysis, risk management, and non-advisory financial education for organizations.
The firm’s advice is delivered through tailored planning engagements; when securities are recommended, the approach emphasizes Modern Portfolio Theory and passive, asset-allocation-based recommendations. Toole Financial does not provide discretionary portfolio management or custody, and clients implement recommendations with custodians of their choice; fees are charged on an hourly or fixed recurring basis rather than as a percentage of assets.
Compared with many peers, the firm’s work with charitable organizations and its offering of organizational seminars and financial wellness programs are notable and relatively uncommon for a solo independent adviser. Its explicit focus on planning and education—combined with an absence of AUM-based billing and discretionary investment management—means clients engage the firm primarily for advice and implementation guidance rather than outsourced investment execution.
Client services
Expertise
Fee options
Ongoing Financial Planning: $150 per month fixed fee; Non-advisory educational services: fixed fees for seminars and webinar series ranging from $100 to $7,500 depending on scope
$250 per hour for Project-Based Financial Planning; $250 per hour for one-time virtual presentations preparation and delivery; $250 per hour preparation plus $750 per day for in-person seminars
Fee-only: Project-Based Financial Planning: $250 per hour (negotiable, max $500 billed more than 6 months in advance); Ongoing Financial Planning: $150 per month (negotiable)
Main office
Longmeadow MA
Advisors at this office
1
Most active in
California · Massachusetts
Also doing business as
Toole Financial · Toole 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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