William Toner

For The JOY Of It

The Art of Money for

Creative Souls



Billy On Boots At Buena Vista
Montecito, CA.
Courtesy of Rick Kline
September, 2015.
ALL RIGHTS RESERVED.


So, where is your home?

“We have to dare to step into the mud, the chaos, where life is at its most messy. We have to risk getting dirty if we expect to find our way home.”
- James Hillman

In the realm of personal finance, “home” isn’t just a physical place—it’s a state of being where your money aligns perfectly with your values, aspirations, and life purpose. It’s where financial decisions flow naturally from your deepest convictions, and where your resources nurture not just your financial accounts, but your whole self.Many of our clients once felt their ideal financial life was out of reach. They were overwhelmed by options and made compromises that left them unsatisfied. But with guidance, they've transformed their finances from a blank canvas into a masterpiece that reflects their true values and goals. You can too.


A New Relationship With Money

“Success is a journey, not a destination. It requires constant effort, vigilance and reevaluation.”
- Mark Twain

Embrace a vibrant and confident future through mindful, values-driven financial planning. Your finances should be the oils that bring your life’s canvas to life, not the frame that constrains it. You shouldn't have to sacrifice meaningful aspects of life or relationships for money—your finances should work for you.Discover the harmony between the immediate gratification of our collaborative process and the enduring satisfaction that follows. Together, we will actively define and pursue your unique vision of success, well-being, and financial freedom. I will guide you with empathy and without judgment, helping you prioritize quality over quantity while overcoming anxiety and confusion about your financial options.By redefining your relationship with money, you’ll create a financial life that brings joy both now and in the future. Our clients report not just improved finances, but reduced stress, better relationships, and a greater sense of purpose. Are you ready to experience these transformative benefits?


Everyday Different, Everyday Beautiful.
I Look Forward To Hearing From You.

Close, confidential relationships allow us to anticipate our clients' needs & accelerate prudent progress on their behalf. A calm spirit of neutrality, paired with your values, inform our decisions at every level of our business journey together.

-William T. Toner, CFP®,  AIF® & PDC, MCA 200GT, 2w3

Close, confidential relationships allow us to anticipate our clients' needs & accelerate prudent progress on their behalf. A calm spirit of neutrality, paired with your values, inform our decisions at every level of our business journey together.-William T. Toner, CFP®,  AIF®, PDC, MCA 200GT, 2w3


For over a decade, William T. Toner has served as a financial advisor based in Montecito, CA, which is a beautiful place to turn the cellphone and the wifi off to focus. He works with people who courageously commit to aligning their money and financial decisions with their values to achieve their goals, regardless of market, economic, or global conditions.William brings preparation, enthusiasm, and a calm spirit of neutrality to his work, focusing on strategic decision-making and collaboration rather than engaging in daily money management. Throughout his career, he has assisted families, businesses, and key personnel in navigating significant financial challenges and opportunities.Notably, he operates with a rare level of independence in today's market. He neither sells, represents, transfers, nor holds custody over assets or insurance products. Furthermore, he does not accept finders' fees, kickbacks, or commissions.

My commitment to being a listener &
problem solver for my clients
brings me to beautiful places around the world,
here are a few photos from my ‘Fence Riding.'
...Allow a few seconds to load…

“The most beautiful things in the world cannot be seen or even touched. They must be felt with the heart.”
- Helen Keller.


© 2024. All rights reserved.