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 Cuellar is a CERTIFIED FINANCIAL PLANNER™ professional who manages an advice-based financial practice with long-term client relationships nationwide. She meets with most of her clients virtually, where she helps them define their goals, develop comprehensive strategies, and implement their plans with ongoing service, support, and monitoring.
Often, she works with people who are happy with their income but lack strategy and conviction about what they should be doing with their finances in the accumulation stage of their life. She has extensive knowledge of:
- Robust employee benefits packages
- Company stock plans
- Tax minimization strategies
- Military benefits & nuances
- Retirement and non-retirement investment strategies
- Home purchase strategies
- Student loan management
Toney is very passionate about her client relationships and is honored to still work with those whom she initially met when she first launched in 2015. She has a reputation for being very personable, integrous, and dedicated.
She is upheld to the fiduciary standard as she focuses on fee-based financial planning as an independent financial advisor partnered with North Star Resource Group, one of the nation’s largest and oldest privately held independent financial advising firms. They manage over $11 billion of client assets entrusted to them with origins tracing back to 19081.
Toney’s hobbies include running, reading, and going to the beach. She resides in San Diego, CA, but frequently visits Austin, TX, where she grew up and her family still lives.
In her work with clients nearing or in retirement, Toney assists them by planning for and managing their distribution phase. In addition to the above, she can assist clients with:
- Social security planning
- Pension planning
- Distribution/Income Strategies
- Estate planning
- Protection planning
- Account consolidation and management
- Tax Planning
- CERTIFIED FINANCIAL PLANNER™ Certification
- FINRA Series 6
- FINRA Series 7
- FINRA Series 63
- FINRA Series 65
- Licensed Life, Accident, and Health Insurance Agent
- University of Texas at Austin, Bachelor of Economics
- University of Texas at Austin, McCombs School of Business Certificate
- Pepperdine University, Graziadio Business School Online
- Texas Darlins Alumnae
- Texas Exes
- Securian Financial WISE- Women Inspiring & Supporting Excellence
- Community Bible Study
1as of December 31, 2020
Investment advisor representative of Cetera Advisor Networks, LLC. Securities offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC, CA Insurance Lic # 0644976), member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License #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.