Toni was born and raised in a small town in Connecticut. She worked for Xerox Corporation as Senior Investment Analyst providing risk/return and performance analysis along with overseeing the various funds offered to Xerox employees. She earned her BBA degree in Information Systems from Western Connecticut University. In 1994 she and husband, George, moved to Colorado serving as a Financial Consultant to Abner, Herrman & Brock, Inc., an investment management firm in New York City. In 2003, Toni joined the Delta Branch of Raymond James Financial Services as a Financial Advisor continuing to serve the people of the Delta area and the North Fork Valley area in Western Colorado.

Toni & George enjoy their family, friends, the mountains, skiing and their wonderful Labrador retriever, Pete.