Toney Gizzarelli, CFP®
Financial Planner
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 Gizzarelli, CFP®
Financial Planner
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.
About
Toney Gizzarelli is a CERTIFIED FINANCIAL PLANNER™ professional who manages a national fee-based financial planning practice that maintains and grows long-term relationships with those she serves. With clients nationwide, meetings are held virtually from her office in her hometown of Austin, TX, but in-person meetings are still welcomed for any locals who want to come in!
She partners with North Star Resource Group as an independent and fiduciary financial advisor. North Star is one of the nation’s largest and oldest privately held independent financial advising firms. They manage over $16.3 billion of client assets entrusted to them, with roots tracing back to 1908.*
In this role, Toney helps her clients define their goals, develop comprehensive strategies, and implement these strategies with ongoing service, support, and monitoring.
She works with two main groups of clients: those who have the resources but lack strategy and conviction about what they should be or could be doing during this accumulation stage, and those who are nearing or have ended their accumulation phase, and want to ensure their retirement is in good hands.
Since she started her financial practice right after graduation in 2015, Toney has been known for being very personable, integrous, thorough, and passionate. She is passionate about helping her clients meet their goals and appreciates the personal gratification that comes from growing with them over the years.
Toney grew up in Austin, TX, in a family of six, and moved to San Antonio, TX, after college. Later, she relocated to San Diego, CA, before returning home to Austin in 2026 with her husband, who is also a financial advisor and CFP® professional. She’s a consistent and enthusiastic runner and reader who enjoys spending time with her family and friends, being involved in her church community, and spending time in her alumni network.
Services
In her work with clients in the accumulation phase, areas of expertise include:
- Stock compensation advisement
- Cash flow maximization
- Tax minimization strategies
- Retirement and non-retirement investment strategies
- Protection planning
- Home purchase strategies
- Student loan management
- Education planning
In her work with clients nearing or in retirement, common focuses include:
- Investment management
- Social security planning
- Pension planning
- Distribution/income strategies
- Estate planning
- Protection planning
- Account consolidation and management
- Tax planning
Qualifications
- CERTIFIED FINANCIAL PLANNER™ Certification
- FINRA Series 6, 7, 63, and 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
Organizations
- Financial Planning Association
- Financial Services Institute
- Texas Darlins Alumnae
- Texas Exes
- Community Bible Study/Bible Study Fellowship
Support team
North Star resource team
Carrie Hancock, ChFC®, CLU®, JD
Vice President, Financial Planning Resource Center
Chase Brakke, DIA, DIF, CEPA®
Senior Vice President
Chris Sitek, CLTC®, CASL®, CLU®, ChFC®, RHU®, REBC®
Vice President Life and Long-Term Care
Jeff Landt, CFA®, CFP®
Senior Vice President and Chief Investment Officer
Office locations
*As of December 31, 2025
Registered representative of Cetera Wealth Services, LLC. Securities offered through Cetera Wealth Services, 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.