# Toams Financial

> 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.

- CRD: 300043
- Filed as: TOAMS FINANCIAL
- Legal name: Planning Solutions International LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Jacksonville, FL
- Filing period: October 2026
- Form ADV filing dated: March 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/300043
- AdvisorCensus page: https://advisorcensus.com/firm/toams-financial-jacksonville-fl-300043

## Quick answers

**How 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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states)

> 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)

> 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)

> 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial LLC
- Florida Retirement System

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.

### Regulatory assets under management (Item 5.F)
- Total: $108,836,692
- Discretionary: $108,836,692
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 588 | $83,164,739 |
| High net worth individuals | 32 | $25,671,953 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2021 (5 years)
- Employees: 2 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, FL, GA, NC, NY, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- therelaxinvestor.com
- toamsfinancial.com
- Facebook @TOAMSFinancial
- Instagram @toamsfinancial
- X @ToamsFinancial
- YouTube @toamsfinancial1319

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $118,770,008 | 4 | September 14, 2021 |
| October 2022 | $140,000,000 | 5 | August 25, 2022 |
| October 2023 | $120,000,000 | 5 | August 7, 2023 |
| October 2024 | $155,000,000 | 2 | July 1, 2024 |
| October 2025 | $106,000,000 | 2 | March 31, 2025 |
| October 2026 | $108,836,692 | 2 | March 30, 2026 |

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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Toams Financial (CRD 300043): Form ADV filing data as of October 2026.