Important Disclosures

As an SEC registered advisor, we are required to submit important information and disclosures to regulators. We make these documents available to you as well so that you can learn more about our firm, our fees, and how we operate. It is highly recommended that all prospective clients review these documents for our firm and any other firm being considered.

This website and blog is a publication of Tobias Financial Advisors. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Information on this website and blog do not involve the rendering of personalized investment advice. A professional advisor should be consulted before implementing any of the options presented. No content should be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Information on this website and blog is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. Case studies are for illustrative purposes only and should not be construed as a testimonial. They do not represent the experience of any specific advisory client. Each client’s situation is different, and goals may not always be achieved. It is unknown if the client approved or disapproved of the services rendered. None of the persons photographed is a current or former client of Tobias Financial Advisors. These photos should not be construed as an endorsement or testimonial from them. Hyperlinks on this website are provided as a convenience; Tobias Financial Advisors disclaims any responsibility for information, services, or products found on websites linked hereto. Additionally, Tobias Financial Advisors is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. Tobias Financial Advisors is registered as an investment advisor with the SEC. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability. Third-party rankings or recognition by rating services or publications are no guarantee of future investment success. Working with a highly-ranked advisor does not ensure that a client or prospective client will experience a certain level of performance or results. These rankings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Generally, rankings and recognition are based on information prepared and submitted by the advisor. Upon written request, Tobias Financial Advisors will provide you with more information regarding how a particular rating was formulated. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for your portfolio. All investment strategies have the potential for profit or loss and past performance is no guarantee of future success. Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Certain newsletter content was written by an independent journalist and not by Tobias Financial Advisors. Images of various organizations do not represent an endorsement of Tobias Financial Advisors.

Tobias Financial Advisors is often included in third party rating or ranking for which the company usually has to apply or submit a nomination. The rankings/ratings are determined by a set of guidelines, criteria and requirements set by the entity providing the ranking or rating. Tobias Financial Advisors does not provide any payment or compensation that influences our selection or inclusion in a rating or ranking. However, we may choose to purchase marketing material allowing us to promote the rating or ranking.

Use of Technology in Client Meetings

Tobias Financial Advisors may use technology tools, including AI-powered meeting assistants, to support note-taking and documentation during client and prospective client meetings. These tools are used to assist in summarizing and organizing meeting content and may process limited information shared during discussions.

By engaging in meetings with our team, you acknowledge the use of these tools for note-taking purposes. Please let us know if you have any questions or preferences regarding the use of these tools.

Awards Disclosures

Any rankings or recognitions received from independent rating services, publications, media outlets, or other organizations should not be interpreted as a guarantee that clients or prospective clients will achieve specific outcomes if they choose to engage or continue engaging Tobias Financial Advisors for wealth management or investment advisory services. Awards, ranking, and other recognitions are not indicative of Tobias Financial Advisors’ future performance. Rankings presented in magazines and other sources typically rely solely on information provided by the acknowledged advisor. These rankings are often restricted to advisors who meet specific participation criteria and follow particular methodologies. Unless explicitly stated otherwise, Tobias Financial Advisors has not made any payments to be featured in such rankings. No ranking or recognition should be considered as either current or past endorsement of Tobias Financial Advisors by any of its clients.

South Florida Business Journal – CFO Awards 2025

The 2025 CFO Awards honors company CFOs under various revenue categories. Each year, they honor three finalists with one winner in each category. They also recognize honorees in a Public Company category and select special honorees for the Turnaround Achievement and Financial Deal of the Year. Criteria:

Financial management: Demonstrate contribution to the company’s growth and/or profitability with quantitative examples.
Strategic thinking: Provide details of how his/her ideas or initiatives strengthen the company’s strategic market position. Indicate success in overcoming business challenges.
Contribution to the company’s reputation: Demonstrate commitment to fiscal integrity and accountability.

Contributions outside the company (nonprofit work, community involvement, etc.) are considered. Candidates must be with their company for at least two full fiscal years to be considered. CFOs who have won this award in the past 5 years (2020-2024) are only eligible for the Special Honoree Awards: Financial Deal of the Year Recipient, Turnaround Achievement Recipient, Lifetime Achievement Recipient. Self-nominations accepted or candidates can be nominated by others. Interested parties may complete either the online application or submit the official application available for download via email. This recognition comes at no cost to Tobias Financial Advisors.

InvestmentNews – Women to Watch – Executive Excellence 2024

InvestmentNews celebrates achievements that measurably advance women in all aspects of the investment industry, at employers of all sizes. We invite you to nominate yourself or third party candidates and / or companies who exemplify these outstanding accomplishments through their leadership, passion, creativity, and willingness to help others along the way. Stage 1 – Nominations: Nominations open from June 3 – July 12, 2024 11:59 pm ET. To submit a nomination, a participant needs to go to the Nominate page of their website. There is no fee to submit a nomination and only the online nomination form will be accepted. Nomination submissions are an opportunity to address the category criteria in detail. Stage 2 – Research: The Women to Watch Awards team conducts research and draws on knowledge and information gained through InvestmentNews to support and supplement nominations received and to ensure that no one deserving of recognition is missed. “Excellence awardees” (shortlisted Finalists), in each category, will be determined from both pools of information. Stage 3 – Excellence Awardees: Once all nominations are considered and research is complete, Excellence Awardees (Finalists) are selected in each category and notified via e-mail or phone. All Excellence Awardees are then invited to finalize their detailed nomination form (“submission”). These submissions will be provided to the judging panel for voting and will otherwise remain confidential and will not be shared with any third parties other than the judges. Excellence awardees are officially announced on September 9, 2024 on the InvestmentNews Women to Watch website and promoted in InvestmentNews. Promo packages to leverage the achievements are available for purchase. Stage 4 – Judging: All submissions from Excellence Awardees are forwarded to the independent judging panel comprising mortgage and finance industry leaders and senior representatives. The panel will assess and vote for their winners in each category according to the relevant category criteria. Voting commences in October 2024 and their judgment is impartial, balanced, incisive and fair. Any judge with a conflict of interest in a category will recuse themselves from judging that category. Stage 5 – Winners: Using a simple points system to aggregate judges’ votes, the finalist with the top score in a category is named the winner. Winners are announced at the event on November 6, 2024 and on the InvestmentNews website. They are also be promoted in InvestmentNews. Promo packages are available for purchase. This recognition comes at no cost to Tobias Financial Advisors.

Inc. 5000 – America’s Fastest-Growing Private Companies 2021, 2023, 2025, 2026

The Inc. 5000 is an annual ranking of the fastest-growing private companies in America based on percentage revenue growth over a three-year period. For the 2026 Inc. 5000, companies are evaluated based on revenue growth from 2022 to 2025. To qualify, companies must have generated revenue by March 31, 2022, generated at least $100,000 in revenue in 2022 and at least $2 million in revenue in 2025, and be U.S.-based, privately held, for-profit, and independent. Rankings are determined using financial information submitted by applicants and verified through supporting financial documentation. Inc. also conducts an editorial review, and companies must meet Inc.’s editorial standards to be included on the list.

Tobias Financial Advisors paid an application fee to be considered for the 2026 Inc. 5000. The firm did not pay to obtain its ranking, and payment of the application fee did not guarantee inclusion on the list. The ranking is based solely on company revenue growth and is not indicative of investment performance, client experience, or future results.

The complete Inc. 5000 list and additional information about the ranking and methodology are available at www.inc.com/inc5000.

Financial Planning – Best RIAs to Work for 2024, 2025

The selection process for this award, conducted in collaboration with Best Companies Group, involved an evaluation of participating firms. Eligible RIAs were required to meet specific criteria, including SEC registration, a minimum of 10 U.S.-based employees, and at least one year in operation. Firms were assessed through an in-depth survey of employees, focusing on key factors such as culture, leadership, pay, benefits, and career opportunities, alongside an analysis of workplace policies, practices, and demographics. Tobias Financial Advisors did not pay a fee to be considered for this list. For more about the ranking and methodology, please visit: https://www.financial-planning.com/best-rias-to-work-for

Financial Advisor Magazine – Top Registered Investment Advisors 2018-2023

Financial Advisor’s (FA) RIA survey is a ranking based on assets under management at year end of independent RIA firms that file their own ADV with the SEC. FA’s RIA ranking orders firms from largest to smallest, based on AUM reported on the advisors and verified by review of advisor’s ADV forms. To be eligible for the ranking, firms must be independent registered investment advisors and file their own ADV statement with the SEC and provide financial planning and related services to individual clients. Firms must have at least $500 million in assets under management as of December 31, 2022, to be included in the print edition of Financial Advisor magazine’s 2023 RIA survey. The stars in the recognition emblem do not represent any type of ranking or rating so it should not be assumed Tobias Financial Advisors received any star rating. Financial Advisor’s ranking comes at no cost to Tobias Financial Advisors. For more about the ranking and methodology, please visit this link: https://www.fa-mag.com/research/ria-survey

InvestmentNews – Best Places to Work for Financial Advisors 2023, 2024

Best Companies Group uses a two-part process to gather detailed data about each participating company and shares this independent data with InvestmentNews to report the ranking. The first part is an Employer Questionnaire filled out by each firm detailing company policies, practices, benefits and demographics. The other component is an employee engagement and satisfaction survey with an in-depth set of 78 statements requiring employees to respond on a one- to five-point Likert scale of agreement, as well as two open-ended questions and seven demographic questions. To participate in the program, firms needed to be an RIA or affiliated with an independent broker-dealer, in business for a minimum of one year, and have at least 15 full-time employees. Tobias Financial Advisors is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the award. Award winners are selected each year from an undisclosed pool of qualified candidates. The award is not intended to be representative of any client’s experience because of the way in which it is evaluated. The award was granted by unaffiliated third parties. This ranking comes at no cost to Tobias Financial Advisors. For more about the ranking and methodology, please visit this link: https://bestcompaniesgroup.com/best-places-to-work-for-financial-advisors/eligibility/

South Florida Business Journal – Best Places to Work for 2023, 2024, 2025

Quantum Workplace manages the Best Places to Work Award for South Florida Business Journal. In order to gather statistically sound results, companies must reach a minimum level of employee participation (based on total number of employees) to be eligible as a finalist. Responses from each question on the survey are compiled and evaluated. Human resources managers or other company representatives complete and submit the official online nomination form. Once the nomination fee has been paid and the form has been submitted, each company will be asked to complete and submit employee surveys to determine the final rankings. You must invite all eligible employees to take the survey, which is administered during the following time frame: October 9 through November 17. In order for the results to be statistically significant, a certain percentage of employees need to complete the survey based upon the total number of local employees that are full-time and part-time, permanent employees by 5:00 pm on the survey deadline. The survey considers:

Communication and Resources
Individual Needs
Manager Effectiveness
Personal Engagement
Team Dynamics
Trust in Leadership

Companies are ranked and finalists are chosen in each size category according to their overall engagement score. The engagement score is calculated by compiling all raw data from the questions on a six-point Likert scale (strongly disagree to strongly agree) to find an average score that is then indexed to a 100-point scale. Overall number of responses is also factored into the engagement score. All Best Places to Work winners are determined exclusively on the basis of their employees’ responses to the Best Places to Work Survey. Employee responses from the 30 standard survey questions, along with the number of employees that respond to the survey, are calculated to determine the company’s overall score and ranking. Tobias Financial Advisors has paid the nomination fee to initiate the process of being considered for this recognition, as well as a fee to gain the rights to use the award’s logo for a year in marketing materials. This fee has no bearing on the result and the selection for this recognition.

InvestmentNews – Excellence in Diversity, Equity, and Inclusion

Outstanding Practice 2019

Excellence in Diversity, Equity, and Inclusion award recognizes internal and external firm initiatives at financial advisory firms specifically developed to increase diversity, equity and inclusion of the firm or its clients. For example, the initiative should show efforts to boost diversity among firm leadership or the broader employee base through improved recruitment, education, training and retention of diverse individuals. Or, it should show how the firm reaches out to or serves diverse individuals, especially those who most need financial services.

The initiatives recognized will have demonstrated results showing a transformation of the organizational makeup or culture of the firm or its client base through the inclusion of diverse groups. Nominees must be financial advisory firms in good standing with state and federal securities regulators. Firms that are selected for these awards must make someone available for a phone or video interview with a reporter. This recognition comes at no cost to Tobias Financial Advisors.

Rising Star 2022

To qualify for the Rising Star award for the InvestmentNews’ Excellence in Diversity, Equity & Inclusion Awards, candidates must currently be working as financial planners, registered representatives or registered investment advisers, or as industry professionals in a role that supports financial advisers. These individuals should have worked for less than 10 years in their financial services career. This award honors individuals who measurably advance diversity and inclusion with their clients, colleagues and communities. Rising Stars are change agents from under-represented communities who are early in their careers and who show exceptional promise as emerging leaders. An emerging leader in the financial advisory industry who is in the early stages of his or her career but shows exceptional growth in contributions to the profession. This individual already has demonstrated leadership qualities and is expected to be a driving force to building diversity and an inclusive culture in the financial advisory profession. For instance, an individual who developed a hiring process that focuses on adding diverse candidates to the pool of interviewees and interviewers. Individuals and firms that are selected for these awards must make someone available for a phone or video interview with a reporter. This recognition comes at no cost to Tobias Financial Advisors.

Women’s Choice Award for Financial Advisors 2019 – 2025

The Women’s Choice Award® Financial Advisor program was created by WomenCertified Inc., the Voice of Women, in an effort to help women make smart financial choices. The Women’s Choice Award Financial Program is based on 17 objective criteria associated with providing quality service to women clients, such as educational and professional credentials, experience, and a favorable regulatory history, among other factors, including letters of validation and background check. Financial advisors do not pay a fee to qualify for the program. All qualified advisors are listed on womenschoiceaward.com. Once qualified, financial advisors may purchase additional marketing collateral such as seal usage, enhanced listing or promotional products. The inclusion of a financial advisor within the WCA Financial Advisor network should not be construed as an endorsement of the financial advisor by WomenCertified Inc. or its partners and affiliates and is no guarantee of quality of services provided to clients or future investment success. Women’s Choice Award® Financial Advisors and Firms represent less than 1% of financial advisors in the U.S. This recognition comes at no cost to Tobias Financial Advisors. View the full award criteria here.

InvestmentNews – Women to Watch 2020

InvestmentNews celebrates achievements that measurably advance women in all aspects of the investment industry, at employers of all sizes. This award is designed for candidates and/or third-party companies who exemplify outstanding accomplishments through their leadership, passion, creativity, and willingness to help others along the way. The Women to Watch Summit and Awards team conducts research and draws on knowledge and information gained through InvestmentNews to support and supplement nominations received and to ensure that no one deserving of recognition is missed. “Excellence awardees” (shortlisted Finalists), in each category, are determined from both pools of information. Once all nominations are considered and research is complete, Excellence Awardees (Finalists) are selected in each category and notified via email or phone. All Excellence Awardees are then invited to finalize their detailed nomination form (“submission”). These submissions are provided to the judging panel for voting and will otherwise remain confidential and will not be shared with any third parties other than the judges. Excellence awardees are officially announced in September on womentowatch.investmentnews.com website and promoted in InvestmentNews. All submissions from the Excellence Awardees are forwarded to the independent judging panel comprising of mortgage and finance industry leaders and senior representatives. The panel assesses and votes for their winners in each category according to the relevant category criteria. Their judgment is impartial, balanced, incisive and fair. Any judge with a conflict of interest in a category will recuse themselves from judging that category. Using a simple points system to aggregate judges’ votes, the finalist with the top score in a category is named the winner. Winners are announced at the awards event in November and on the website. They are also promoted in InvestmentNews. This recognition comes at no cost to Tobias Financial Advisors.

Hispanic Women of Distinction 2019

The nominee for this recognition must be invited to apply. The nominee just be of Hispanic ethnicity and have an impact in the community they serve. The judges consider nominees from Miami-Dade County, Broward County, and Palm Beach County. This recognition comes at no cost to Tobias Financial Advisors.

NAPFA New Professional 2024

This award is designed to recognize the achievements and contributions to the profession of young practitioner members of the Association. It may be presented to a member who has made outstanding contributions in their professional and volunteer roles.

Criteria considered by the Awards & Recognition Committee:

Outstanding and creative approaches to problem solving within the financial planning profession.
Demonstrated positive impact on their firm and/or the profession.
Serves as a role model for other young practitioners and students.
Active member of NAPFA and involvement in activities of the association.

These contributions may be a single act or a cumulative performance. Significance will be measured by a positive impact on the nominees firm or the profession.

Potential Recipients: NAPFA member under the age of 35
Nomination process: Nominations will be solicited from the membership through multiple communications channels. The nomination should identify the specific act(s) or performance for which the award is recommended, as well as a brief description of the nominees impact/contributions.
Selection process: A committee of three individuals will select from nominees submitted by the membership and the Board.
Presentation: The NAPFA New Professional Award will be made in conjunction with one of the National Conferences.
The award does not have to be granted every year.

This recognition comes at no cost to Tobias Financial Advisors.

NAPFA Excellence in DEI 2024

The NAPFA Excellence in DEI Award is designed to recognize the achievements and efforts of firms to advance DEI in their organizations. The award will be granted based on specific initiatives executed at the firm level.

Criteria considered by the Awards & Recognition Committee

Initiatives executed in DEI at the firm, employee, or community level.
Dedication to the importance of diversity in the financial planning profession.
Commitment to creating an inclusive and welcoming environment for employees and clients of the firm.

Recognizes internal and external initiatives at firms specifically developed to increase diversity, equity and inclusion of the firm, its employees, or the clients and communities it serves. The firms recognized will have demonstrated results showing progress in their DEI journeys at the employee, firm, or community level. Up to three awards may be granted, one in each of the following categories, as defined below:

Solo Firms: 1-2 employees, under 1M in revenue (~ less than 100M AUM)
Mid-sized Firms: 3-10 employees, and between 1-5M of revenue. (~100M-1B AUM)
Large Firms: 11+ employees, and over 5M of revenue. (~ over 1B AUM)

Additional Details:

Potential Recipients: All Firms with NAPFA-affiliated professionals
Selection Process: A committee of three individuals select from nominees submitted by the membership and the Board.

This recognition comes at no cost to Tobias Financial Advisors.

Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor or by any client nor are they representative of any one client’s evaluation. Generally, ratings, rankings, and recognition are based on information prepared and submitted by the advisor.

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