Toro Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Toro Financial Advisors serves individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations and retirement plans, providing discretionary asset management, financial planning and consulting, and ERISA plan services. The firm offers ongoing portfolio management and may subscribe client accounts to model portfolios through a model marketplace or engage sub‑advisors to manage all or part of client assets.
The firm’s investment process draws on fundamental, technical, charting and cyclical analysis and is tailored to clients’ objectives, time horizons and risk tolerances, with periodic (typically quarterly) reviews and rebalancing. With discretionary trading authority, Toro Financial Advisors documents client restrictions and may implement strategies that include options trading, use of margin and other derivatives or borrowing in separately managed accounts when deemed appropriate.
Noteworthy distinctions include providing both limited‑scope 3(21) advisory services and full 3(38) investment‑manager services for retirement plans (pension consulting and plan management), a capability less common among solo independent advisers, and an explicit disclosure that the firm may use borrowing and derivatives in separately managed accounts, which is statistically rare. The firm’s principal also maintains an insurance practice and the brochure discloses the related commission conflicts and other potential conflicts from sub‑advisor selection and model marketplace usage; clients retain proxy voting authority rather than delegating it to the firm.
Client services
Expertise
Occupation focus
Fee options
Up to 1.0% annually (negotiable)
Insurance commissions received by advisor as an insurance agent (conflict disclosed)
Financial planning services charged at $350 per hour, negotiable based on complexity
Fee-only: Financial planning hourly fee $350/hour
Main office
2335 Temple Trail, Suite 5
Winter Park FL 32789
Advisors at this office
1
Most active in
Florida
Also doing business as
Toro Financial Advisors · Toro Financial Advisors, 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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