# Tonia Ryan

> Tonia Ryan is a fee-only financial advisor at AFS Investments in Salinas, California. AFS Investments reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/tonia-ryan/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** AFS Investments
- **Based in:** Salinas, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $56.5M across 328 accounts
- **CRD:** 5528728 (https://adviserinfo.sec.gov/individual/summary/5528728)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 63 (2008), Series 65 (2021)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://afs-investments.com

## Frequently asked questions

### Is Tonia Ryan a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Tonia holds no broker registration, and AFS Investments reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Tonia charge for financial advice?

Tonia's firm, AFS Investments, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Tonia Ryan based?

Tonia Ryan is based in Salinas, California.

### Is Tonia Ryan registered with the SEC?

Yes. Tonia Ryan is registered as an investment adviser representative in CA and TX (CRD 5528728), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does AFS Investments manage?

AFS Investments reports $56.5M across 328 accounts in assets under management.

### How do I contact Tonia Ryan?

Through Tonia's website, afs-investments.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5528728): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.