Toney Cuellar, CFP®
Grateful to have found my passion, excited to share my knowledge.
Welcoming individuals and families who are searching for a financial professional they can trust over the years to come.
Toney started her practice in Texas in 2015 and became based in California when she expanded it nationwide in 2018. Since expanding, she intentionally focused on fee-based financial planning where she is upheld to the fiduciary standard and works with her clients in the six areas of financial planning (Current Financial Position, Investment Planning, Protection Planning, Retirement Planning, Tax Planning, and Estate Planning).
When working in a fee-based capacity Toney provides product-neutral advice as an independent advisor, meaning she’s not contracted with only one company so she has a wide array of services and products to choose from when crafting each client’s recommendations.
Because she has a nationwide practice, even before the pandemic, she was meeting with about half of her clients virtually and the other half in-person. Most of her clients live in California and Texas while the rest live in various states throughout the country. Although based in California now, trips to Texas happen regularly to visit immediate family in Austin and clients in central Texas. Most of her clients (although all professions are welcomed) are engineers, military personnel, and medical professionals; Because of this, she’s well versed in robust employee benefits packages, stock plans, tax minimization strategies, military benefits, home purchasing, and student loan management.
In addition to helping them manage their ever-evolving finances to meet their needs and goals, people choose to work with Toney because she strives to make them feel comfortable, heard, and cared for. Her goal is that they never feel like just another name in the book and they know she’s in it for the long run. Ongoing education, detail, and customization is something she provides so clients continue to feel confident in what they’re doing and why they’re doing it.
Toney’s an outdoor runner, avid reader, and beach-goer through all seasons of the year. The perfect day would include all the latter and end with a good meal with family and friends.
She is a registered representative and investment advisor representative of CRI Securities, LLC and Securian Financial Services, Inc currently in CA, TX, NY, WA, and IL; and currently holds the Series 7, Series 65, Series 6, Series 63 registrations, along with other life and health insurance licenses.
Comprehensive financial planning
Tax-efficient investment strategies*
Toney is a registered representative and investment advisor representative of Securian Financial Services, Inc. CA Insurance #0M47982
Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.