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Tonya White image

Commited to Excellence



National Social Security Advisor Certificate Holder

Founder & Financial Advisor

CA Lic 0G88700

Tonya started her career in corporate Human Resources, leaving her role as Vice President of a small, business-to-business tech firm in San Francisco after starting a family. She transitioned to the financial services industry in 2010. Tonya also serves as an Educator & Speaker promoting financial education and awareness. In her private practice, she helps retirees and pre-retirees develop personalized financial strategies unique to their needs. 

Tonya partners with her clients to bring harmony and balance to their financial situation – a balance between current lifestyle and future lifestyle. She also looks for a comfortable balance between safe dollars and those that carry risk. She uses a holistic approach that includes identifying unnecessary wealth transfers.

Tonya cares about the individuals and the families she works with and takes to heart their hopes, goals, and dreams for themselves and their family’s financial future. She is a fiduciary and as such, acts in her clients' best interest. She is committed to not only helping her clients grow their wealth, but also looks at ways to preserve and protect their wealth from life’s uncertainties and setbacks. 

Tonya transitioned to the financial services industry in 2010 from a career corporate America as a Vice President in Human Resources where she brought a high level of care to the employees and companies she served, and has continued to provide high standards of care and service for her clients. After starting a family, she spent over 15 years as a self-employed business woman and over 10 years volunteering within her community. Tonya leads an active life with her husband and their two sons in Clayton, California. 


Harmony Financial Solutions is supported by several back-end offices specializing in specific areas. You can learn more about each overall team at their direct links below....

CSP Financial Group, LLC - Registered Investment Advisory Firm

TLC Insurance Group - National Group Medicare Healthcare Solutions

Check the background of your financial professional on FINRA's BrokerCheck.

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CSP Financial Group, LLC is a registered investment adviser located in Scottsdale, Arizona. CSP Financial Group, LLC may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. CSP Financial Group, LLC’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of CSP Financial Group, LLC’s web site on the Internet should not be construed by any consumer and/or prospective client as CSP Financial Group, LLC’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by CSP Financial Group with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of CSP Financial Group, LLC, please contact the state securities regulators for those states in which CSP Financial Group, LLC maintains a registration filing. A copy of CSP Financial Group, LLC’s current written disclosure statement discussing CSP Financial Group, LLC’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from CSP Financial Group, LLC upon written request. CSP Financial Group, LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to CSP Financial Group, LLC’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.


This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.


Insurance products and services are offered and sold through CSP Financial Group, LLC and individually licensed and appointed insurance agents.

​Medicare Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

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