Mark R Toney

12/19/2025

12/19/2025

Our office will be closed December 22 — January 4. We will resume normal operations on January 5, 2026, and will address all insurance and tax-related inquiries at that time.

04/21/2024

Forecasters have consistently underestimated how willing U.S. consumers are to spend their money regardless of high prices and interest rates pressuring household budgets.

04/19/2024

Adding some protection on the margins to portfolios—especially if it goes on sale—is appealing.

04/19/2024

U.S. central bank officials started the year with the wind seemingly at their backs. No more.

04/18/2024

One way to improve after-tax investment returns is by structuring portfolios to generate long-term, not short-term, capital gains.

04/14/2024

Like it or not a new tax season has begun.

04/13/2024

Sponsorship and mentorship may sound the same, but they have different benefits and should not be carried out in isolation. Within a business, the only truly effective way to implement these processes is to see them as two parts of a cycle that should repeat continually.

04/12/2024

Investing is typically one of the most consistent ways to stay ahead of inflation, with the goal of achieving financial freedom. However, there’s been some market consternation in the last year and a half, leading to dog-chasing-the-tail behavior when it comes to investing and retirement.

04/12/2024

04/09/2024

Working with your spouse — not just working with them but also owning and running a business together — has many advantages and disadvantages. Learning what works best for the two of you as a team takes practice, patience, trial and error and a whole lot of negotiation.