Toney Falkner MBA
Toney's mission is simple: help people create financial lives that work in the real world. His journey to founding PWM of NC grew from a deep conviction that financial advice should be as individual as the people receiving it.
With a background spanning banking, accounting, and investment planning, Toney discovered early on that the most rewarding part of his work wasn't just managing money – it was seeing the relief and joy on clients' faces when they realized they had enough to live the life they wanted. This insight shaped his entire approach to financial planning.
Frustrated by the industry's tendency to force unique individuals into standardized solutions, Toney and his partner Rick created something different: a 100% fiduciary firm where client interests always come first. At PWM of NC, every strategy is built around real people with real dreams and real challenges.
Today, Toney specializes in Real Life Retirement Planning, helping clients move beyond traditional "all-or-nothing" retirement approaches. He works as a fiduciary partner to create flexible, purposeful plans that combine income, meaning, and freedom. Whether clients want to transition gradually, maintain purposeful work, or fully retire, Toney helps them design and implement strategies that fit their real lives.
His greatest professional satisfaction comes from showing clients they've built enough security to design a life they love, knowing they have a trusted fiduciary advisor in their corner every step of the way.
When he's not helping clients navigate their financial journeys, Toney cherishes time with his family and enjoys improving his golf game. He's also passionate about animal rescue, firmly believing that the best dog breed is "rescued." This commitment to making a difference – whether in his clients' lives or in his community – defines both his personal and professional approach.