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Posts by Scott
Blog posts written by Scott H. Tonai, CFP®.
Learn more about Scott at https://www.andrewsllc.com/team/scott


According to Plan
If you’re feeling uneasy about what’s happening, that’s completely normal.
But if your plan is sound, this environment is not a surprise. It’s something we’ve prepared for.

Scott H. Tonai, CFP®
Mar 303 min read


What Really Matters in the End
This is a follow up to Scott's previous blog post, The Costs No One Warns You About in End-of-Life Planning.

Scott H. Tonai, CFP®
Mar 33 min read


The Costs No One Warns You About in End-of-Life Planning
This series of blog posts is a candid look at how I view end-of-life planning as a financial advisor.
There is a meaningful difference between learning something in theory and understanding it firsthand. End-of-life planning is often discussed in abstract terms. It looks orderly on paper. In practice, it rarely is.

Scott H. Tonai, CFP®
Jan 304 min read


Lessons on Market Timing from Booking a Flight
Meaningful decisions rarely feel perfect in real time. Whether it’s booking a trip, investing cash on the sidelines, or planning for retirement, waiting for absolute certainty often costs more than acting thoughtfully and moving forward.

Scott H. Tonai, CFP®
Jan 84 min read


Going Solo: Why Self-Employed Individuals Should Choose a Solo 401(k) Over a SEP IRA
Solo 401(k)s may offer higher savings and bigger tax breaks than SEP IRAs. See why more self-employed individuals are making the switch.

Scott H. Tonai, CFP®
Jul 17, 20253 min read
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