John O'Toole


EP Wealth Advisors

Senior Wealth Advisor

John O'Toole


EP Wealth Advisors

Senior Wealth Advisor

Helping you achieve your financial goals is our priority. As an independent financial advisor, EP Wealth Advisors brings an in-depth planning-based approach to address your unique financial goals and needs. - John O'Toole, CRPC®

Local Financial Planning Advice, National Reach | Fee-Only, Fiduciary | $500,000 Investment Minimum

John O'Toole is a Hilton Head Island, SC fee-only financial advisor serving clients locally and across the country. EP Wealth Advisors provides comprehensive financial planningtax planning, and investment management to help individuals, couples, families, and small businesses organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, John Otoole is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

John (Jay) O'Toole has over 30 years’ experience in the investment and wealth management field. Before joining EP Wealth Advisors, Jay was a Managing Partner at Warren Financial. Early in his career Jay worked as an institutional fixed income analyst and salesman with Dean Winter, Printon Kane and Fuji Bank. On the wealth management side, Jay was with Smith Barney and RBC working with executives of publicly traded companies, on how to hedge, monetize, diversify their concentrated company equity holdings. Jay holds a CRPC (Charter Retirement Planning Counselor) designation and currently works with families and individuals that are within 10 years of retirement to having just retired. He believes each client and family needs are different, but the process to financial success starts with detail planning before any investment recommendations can be made.

Currently, Jay spends his free time at a local CrossFit where he is a part owner, weekends trying to develop skills on the golf course. In addition, Jay is on the board of the Boys and Girls Club of Hilton Head and is the chairman of their endowment committee.

Jay has one daughter that is also in the finance industry with Bank of America in Bethesda, Maryland.



Saint Edward’s University, B.A., Business with a concentration in Finance

EP Wealth Advisors is a fee-only registered investment advisory and financial planning firm headquartered in Torrance, California. EP Wealth manages over $16.1 billion in AUM as of December 31, 2022. With offices from coast to coast, EP Wealth combines the resources of a large firm with a local approach to provide client-centric financial planning, wealth management and investment management services to individuals and businesses. EP Wealth continues to grow and enrich the lives of our clients and team and has been recognized as a leader in the RIA space by multiple financial and industry publications, including Barron's 2022 list of top RIA’s, Financial Planning’s top firms of 2022, and many more at both the national and regional level. The firms Torrance headquarters has been named a Best Place to Work by the Los Angeles Business Journal, and several advisors and functional leaders have been named to varied "Best", "Rising Star" and "40 Under 40" lists.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Financial Planning
  • Retirement Planning
  • Tax Planning
  • Estate Planning
  • Divorce Financial Planning
  • Investment Management
  • Charitable Giving
  • Business Planning

Ideal Clients

  • High Net Worth Families and Individuals
  • Retirees and Near Retirees
  • Business Owners and Executives
  • Widows or Divorced Women
  • Professional Athletes and Entertainers
  • Sudden Money Situations

Working Together

  • 80+ CFP® and CFA Professionals
  • 31 Offices Nationwide
  • Virtual Meetings
  • Clearly Defined Fees

Professional Designations & Affiliations

Contact John O'Toole

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Office Locations:

  • 32 Office Park Road
    Suite 202-Z
    Hilton Head Island, SC 29928

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