Toby has been a Financial Advisor at Raymond James & Associates, Inc. for over 20 years. He received his AA degree at the University of Florida and is a graduate of University of South Florida with a Bachelor's degree in Finance. He is an accredited Wealth Management Specialist and Retirement Planning Specialist. He provides his clients with retirement solutions, financial planning, tax planning and investment management. Toby has completed the comprehensive Raymond James Financial Planning Series. He resides in Palm Harbor with his wife, Pat, and 2 children, Olivia & Matthew. Toby is very active with the kids' PYP swim team and activities through the YMCA. He also likes to golf with friends when he gets the chance.