Merrill
47yrs
Top 1% by experience in Naples
27yrs
Toby Garner has worked in the financial industry for 27 years and is a fiduciary financial advisor based in Naples, Florida. Toby joined Merrill in 1999, a firm offering investment management, retirement plan consulting, and selecting outside investment managers. Merrill reports being paid through a percentage of assets, flat fees, and commissions.
One of 1061 advisors with offices in Naples, and one of 973 fiduciaries.
At a glance
Experience27 years (since 1999)
How that compares ?Top 21% by experience at Merrill
Office9128 Strada Pl, Naples, FL 34108
FirmMerrill
How the firm is paid ?Percent of assets, Flat fee, Commissions
Typical client at the firm ?$860,085
Advisors at the firm25,559
States licensed ?1 state
Services through Merrill
Investment management for individuals and small businessesInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Series 66Uniform Combined State Law Examination
Career
- 1999 – nowMerrillCurrent firm
Contact Toby
9128 Strada PlNaples, FL 34108Office · Get directions Firm main line(800) 637-7455Headquarters: Merrill · New York, NY
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Questions to ask Toby
Tailored to Toby’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About Toby
How do I contact Toby?
Call Merrill at (800) 637-7455 and ask for Toby Garner. Toby works from the Naples, FL office.
How long has Toby been a financial advisor?
Toby has been in the industry since 1999, about 27 years. Top 21% by experience at Merrill.
What licenses does Toby hold?
Series 66. Tap any license on this page to see what it allows.
Is Toby a fiduciary?
Toby is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Toby paid?
Merrill reports being paid by a percentage of the assets they manage, flat or fixed fees, commissions on some products. Ask Toby for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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