Toby Palmer

Financial Wellness Advisor specializing in tech startups. • As a CTO turned financial professional, I design financial roadmaps that empower tech startups—guiding founders and employees from launch to successful exit.

Founded by Toby Palmer—a former tech entrepreneur and CTO turned licensed financial professional—Palmer Financial Wellness is dedicated to helping startup founders and employees navigate the complexities of financial well-being.

Raised in a small rural community on Virginia’s Eastern Shore by two public high school teachers and coaches, Toby developed a deep appreciation for education, resilience, and the power of financial literacy. A proud graduate of James Madison University, he built a 30+ year career spanning business, financial services, and technology. His experience ranges from working with high-growth startups to leadership roles at global tech nonprofits such as CompTIA. As a former Principal Owner, Managing Director, and Chief Technology Officer at a financial services firm, Toby understands firsthand the financial challenges entrepreneurs and their teams face.

After relocating to Charleston, SC, Toby founded Palmer Financial Wellness to bridge the gap between financial strategy, tech startups and personal well-being. By providing tailored financial guidance to startup teams, the firm helps founders and employees gain stability, confidence, and long-term success—empowering them to focus on innovation without financial stress.

At Palmer Financial Wellness, we believe that financial clarity fuels business growth. Let us help you build a thriving future.

As a startup founder, you face a unique set of financial challenges. From managing inconsistent income and cash flow to securing funding, the decisions you make today will impact your company’s success tomorrow. A successful startup financial roadmap takes into account the distinct aspects of both personal and business finance.