Financial Advisor
Meet Toney Sebra
Toney Sebra, CSA
Certified Senior Advisor | Retirement Income Specialist
My name is Toney Sebra, and I’m a Certified Senior Advisor specializing in helping Americans prepare financially for retirement—with a particular focus on retirement income planning. I work with individuals and couples across the country to develop customized retirement income strategies that provide security, predictability, and confidence in today’s uncertain economic environment.
In a world of market volatility and rising interest rates, the right strategies can protect your money and ensure you never run out of income. While many financial advisors concentrate on portfolio growth, few are truly equipped to help you convert your savings into reliable, long-term income. That’s where I come in.
With more than two decades in financial services, I’ve dedicated my career to building sustainable retirement income plans. After earning my B.S. in Business Management with a minor in Finance from California State University, Fresno, I entered the industry in 2001, earning my Series 7, Series 63, and Life Insurance licenses. Currently I am insurance licensed in 25 states and also hold a Series 65 Securities License.
For over 15 years, I served as an annuity and mutual fund expert in Corporate America with WM Group of Funds, Hartford Life and Nationwide Financial, where I trained and supported hundreds of advisors. My focus was on implementing guaranteed income strategies that brought security to retirees. During that time, I contributed to the development of thousands of income plans—representing nearly $1 billion in invested assets.
Today, I work directly with individual clients to create safe, customized retirement plans tailored to their unique needs and goals. I’m committed to simplifying the often-confusing world of retirement income planning, providing clear answers and straight talk every step of the way.
I live in Sandy, Utah, with my amazing wife, Megan, and our two wonderful kids, Connor and Sonya. We love spending time outdoors—skiing, hiking, camping, mountain biking, swimming, and cheering on the kids in their various sports.
While I’m based in Utah, modern technology allows me to meet with clients virtually, “face-to-face,” from anywhere in the country. Through secure online meetings and screen-sharing, I provide a seamless, personalized planning experience—right from the comfort of your home.
If you’re ready to take control of your retirement income with guidance you can trust, I’d love the opportunity to help you build the future you deserve.
Let’s create your retirement plan—together.
Our Three Pillars
Planning
Your retirement needs are as unique as you are. That’s why having a personalized plan—one that outlines your goals and clearly maps out what it takes to achieve them—is essential. After all, you wouldn’t take a road trip across the country without GPS or a map. Your retirement plan is your guide, helping you stay on course and make confident decisions every step of the way.
Research
Research is at the heart of our investment philosophy. We will show you how various investment strategies impact your overall portfolio and your long-term retirement income plan. We will help you select the most effective paths to help you achieve financial security, income certainty and confidence in your retirement plan.
Implementation
With your plan setting the parameters to achieve your income goals, we’ll work together to select the right investment solutions and assess their impact on your retirement. I’ll guide you through implementing strategies that align with your objectives, bringing you the predictability, security, and confidence you need for a stable retirement.
Every great retirement starts with a personalized plan. Let’s build yours—simple, clear, and focused on your goals.
Honesty, Integrity, and a Commitment to Family are my guiding principles.
Our clients are family to us. We are honored to serve you. We want you to enjoy retirement rather than worry about it.
20+
Years of experience