{
  "crd_number": 300043,
  "slug": "toams-financial-jacksonville-fl-300043",
  "primary_business_name": "TOAMS FINANCIAL",
  "legal_name": "PLANNING SOLUTIONS INTERNATIONAL LLC",
  "dbas": [],
  "city": "Jacksonville",
  "state": "FL",
  "country": "United States",
  "cbsa_code": "27260",
  "metro": {
    "cbsa_code": "27260",
    "common_name": "Jacksonville",
    "msa_name": "Jacksonville, FL",
    "path": "/advisors/fl/jacksonville"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2021-03-29",
  "years_registered": 5,
  "period": "2026-10-01",
  "filing_date": "2026-03-30",
  "carried_forward": false,
  "raum_total": 108836692.0,
  "raum_discretionary": 108836692.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 2,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 83164739.0,
      "count": 588
    },
    "high_net_worth_individuals": {
      "raum": 25671953.0,
      "count": 32
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CO",
    "FL",
    "GA",
    "NC",
    "NY",
    "TN",
    "TX",
    "VA"
  ],
  "websites": [
    "https://facebook.com/TOAMSFinancial",
    "https://instagram.com/toamsfinancial",
    "https://therelaxinvestor.com",
    "https://toamsfinancial.com",
    "https://twitter.com/ToamsFinancial",
    "https://youtube.com/@toamsfinancial1319"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/300043",
  "city_as_filed": "JACKSONVILLE",
  "url": "https://advisorcensus.com/firm/toams-financial-jacksonville-fl-300043",
  "display_name": "Toams Financial",
  "summary": "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.",
  "citation": "AdvisorCensus. Toams Financial (CRD 300043): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Toams Financial compensated?",
      "a": "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)."
    },
    {
      "q": "How much does Toams Financial charge?",
      "a": "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."
    },
    {
      "q": "Where is Toams Financial located?",
      "a": "Toams Financial's principal office is in Jacksonville, FL, according to its Form ADV."
    },
    {
      "q": "Is Toams Financial registered with the SEC or a state?",
      "a": "Toams Financial is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 300043."
    },
    {
      "q": "How much does Toams Financial manage?",
      "a": "Toams Financial reports $108,836,692 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (100% discretionary)."
    },
    {
      "q": "How have Toams Financial's assets and staff changed since 2021?",
      "a": "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."
    },
    {
      "q": "What types of clients does Toams Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (588); high net worth individuals (32)."
    },
    {
      "q": "Which custodians does Toams Financial use?",
      "a": "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."
    },
    {
      "q": "Does Toams Financial report any disciplinary disclosures?",
      "a": "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"
    },
    {
      "q": "Does Toams Financial state an account minimum?",
      "a": "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.\""
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 118770008.0,
      "total_employees": 4,
      "filing_date": "2021-09-14"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 140000000.0,
      "total_employees": 5,
      "filing_date": "2022-08-25"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 120000000.0,
      "total_employees": 5,
      "filing_date": "2023-08-07"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 155000000.0,
      "total_employees": 2,
      "filing_date": "2024-07-01"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 106000000.0,
      "total_employees": 2,
      "filing_date": "2025-03-31"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 108836692.0,
      "total_employees": 2,
      "filing_date": "2026-03-30"
    }
  ],
  "recent_changes": [],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 30, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": "2.5% of assets a year",
    "account_minimum": "$10,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Subscription: $30 a month (financial planning services)"
    ],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states)"
        ],
        "quotes": [
          "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."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $10,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "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."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $30 a month (financial planning services)"
        ],
        "quotes": [
          "Toams Financial offers financial planning services for a monthly fee up to $30 payable at the beginning of each month."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": 2.5,
      "account_minimum": 10000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "subscription",
          "amount": 30.0,
          "min": null,
          "max": null,
          "period": "monthly",
          "service": "financial planning services"
        }
      ]
    },
    "quotes": [
      "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.",
      "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.",
      "Toams Financial offers financial planning services for a monthly fee up to $30 payable at the beginning of each month."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Altruist Financial LLC",
      "name_as_filed": "ALTRUIST FINANCIAL LLC",
      "affiliated": false
    },
    {
      "name": "Florida Retirement System",
      "name_as_filed": "FLORIDA RETIREMENT SYSTEM",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/toams-financial-jacksonville-fl-300043.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 588,
      "fewer_than_5": false,
      "raum": 83164739.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 32,
      "fewer_than_5": false,
      "raum": 25671953.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/300043",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}