Toni joined CREATIVE Financial Group in 2005 with 20 years of experience in the insurance industry. She graduated from Kean University in 1986 with a Bachelors Degree in Business Science. She is a Series 7 and 66 licensed Financial Advisor. Toni is a Special Care Planner helping families with special needs planning. Toni resides in Howell and is an avid equestrian, who trains and owns her own horses.