AdvisorCensus / Financial advisors / Florida / Jacksonville / Toams Financial
Toams Financial
Filed as TOAMS FINANCIAL · Legal name Planning Solutions International LLC
Toams Financial is an SEC-registered investment advisory firm in Jacksonville, FL, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 30, 2026.
Quick answers
From the filingHow is Toams Financial compensated?
On its Form ADV (Item 5.E, October 2026), Toams Financial reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).
How much does Toams Financial charge?
Its Form ADV Part 2A brochure dated March 30, 2026 states: Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states); Subscription: $30 a month (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Toams Financial located?
Toams Financial's principal office is in Jacksonville, FL, according to its Form ADV.
Is Toams Financial registered with the SEC or a state?
Toams Financial is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 300043.
How much does Toams Financial manage?
Toams Financial reports $108,836,692 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (100% discretionary).
How have Toams Financial's assets and staff changed since 2021?
In the Form ADV data for Toams Financial: Regulatory assets under management: $118,770,008 in the October 2021 data and $108,836,692 in the October 2026 data, down 8%. Total employees: 4 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Toams Financial serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (588); high net worth individuals (32).
Which custodians does Toams Financial use?
Toams Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Florida Retirement System as custodians holding 10% or more of its separately managed account assets.
Does Toams Financial report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/300043
Does Toams Financial state an account minimum?
Its Form ADV Part 2A brochure dated March 30, 2026 says: "Toams Financial generally requires a minimum relationship size of $10,000 to effectively implement its investment process. Toams Financial reserves the right to negotiate in certain circumstances."
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AAsset-based fee: up to 2.5% of assets a year (the maximum the brochure states)
The brochure's wording
Investment advisory fees range up to 2.50% annually based on several factors, including the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor.
Account minimum: $10,000 (the brochure says it may be waived or negotiated)
The brochure's wording
Toams Financial generally requires a minimum relationship size of $10,000 to effectively implement its investment process. Toams Financial reserves the right to negotiate in certain circumstances.
Subscription: $30 a month (financial planning services)
The brochure's wording
Toams Financial offers financial planning services for a monthly fee up to $30 payable at the beginning of each month.
As stated in the firm's Form ADV Part 2A brochure dated March 30, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$108,836,692 as of October 2026, filing dated March 30, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
Registration and firm details
Items 1, 2, 5- Legal name
- Planning Solutions International LLC
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2021 (5 years)
- Employees
- Total: 2. Performing investment advisory functions: 1.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
8 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $108,836,692 | 2 | March 30, 2026 |
| October 2025 | $106,000,000 | 2 | March 31, 2025 |
| October 2024 | $155,000,000 | 2 | July 1, 2024 |
| October 2023 | $120,000,000 | 5 | August 7, 2023 |
| October 2022 | $140,000,000 | 5 | August 25, 2022 |
| October 2021 | $118,770,008 | 4 | September 14, 2021 |
Regulatory assets under management: $118,770,008 in the October 2021 data and $108,836,692 in the October 2026 data, down 8%.
Total employees: 4 in October 2021 and 2 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 monthsNo changes to these filed facts in the last 12 months of filing data.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Toams Financial (CRD 300043): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/toams-financial-jacksonville-fl-300043