Your Profile Card: The Foundation of Your Financial Plan
Ann Garcia, CFP®
Head of Content & Author
Ann Garcia, CFP®
Head of Content & Author
Ann is a nationally recognized financial advisor and author who provides comprehensive financial planning and investment management advice to families, businesses, and individuals. She obtained her BA from the University of California, Berkeley, is a member of Phi Beta Kappa, and holds the Certified Financial Planner certification. Ann lives in Oregon with her husband and is the proud parent of two recent debt-free college graduates. In her free time, she enjoys running the Wildwood Trail and exploring Portland's vibrant food scene.
Tihomir Yankov, JD
Financial Advisor, Founder & CEO
Tihomir Yankov, JD
Financial Advisor, Founder & CEO
Tihomir is the Founder, CEO, and Registered Investment Advisor Representative of Tobi. Prior to founding Tobi in 2023, he was a consumer financial services attorney in private practice for twelve years. He earned his BA in Economics from the University of Virginia and his JD (cum laude) from American University. He lives on a small farm outside Washington, D.C. with his wife and middle-school son, perfecting the art of keeping their alpaca, llama, horses, and sheep in a semi-perfect state of harmony. Their rescued alpaca became the inspiration for the company's mascot.
Introduction
Tobi is built entirely around YOU. That's why everything starts with your Profile Card—the key to customizing your financial plan, ensuring accurate projections, and making sure every other Smart Card™ fits your goals and lifestyle.
Think of your Profile Card as the foundation for every other financial card in your dashboard.
Why Your Profile Matters
Your financial situation is unique—your income, age, family size, tax filing status, and state of residence may all impact your projections and recommended next steps.
Without a strong baseline, forecasts can be off—the more accurate your profile data, the better your plan.
Your financial picture changes over time—so updating your profile ensures everything reflects where you are today.
Key Profile Information
Your Profile Card collects essential information that influences your entire financial plan:
- Income details (salary, bonuses, other income sources)
- Age and expected retirement timeline
- Family size and dependents
- Tax filing status
- State of residence (important for tax calculations)
- Financial goals and priorities
How Your Profile Influences Other Cards
Your Profile Card doesn't exist in isolation—it directly impacts how all your other Smart Cards™ function:
For example, your age and income affect retirement projections, your family size influences insurance recommendations, and your tax filing status shapes tax optimization strategies.
By keeping your profile updated, you ensure that every recommendation and projection across your dashboard remains relevant to your current situation.
Take a few minutes to complete your Profile Card thoroughly—it's the single most important step to unlocking the full power of Tobi's personalized financial guidance.
Complete Your ProfileWhen Should I Update My Profile?
Your profile should be updated whenever you experience significant life changes, such as:
- Change in income or employment
- Marriage or divorce
- Birth of a child
- Relocation to a different state
- Major change in financial goals
How Does the Profile Card Work?
Tobi's Profile Card uses your personal information to create a digital financial identity that informs all other Smart Cards™ in your dashboard.
The information you provide is securely stored and used exclusively to generate personalized financial insights and recommendations.
As you update your profile over time, Tobi automatically adjusts all projections and recommendations across your dashboard to reflect your current situation.
Your Profile Card is the command center of your financial journey—keep it accurate, and watch as Tobi's guidance becomes increasingly tailored to your unique needs.