About
Toby Palmer serves as United Community Bank’s Financial Advisor for the Charleston and Columbia, South Carolina markets, bringing more than 30 years of business, financial services, and technology experience to support individuals, families, business owners, and entrepreneurs throughout the region.
Toby’s professional journey began as a tech entrepreneur and Chief Technology Officer in the financial services industry, where he led technology and strategy for growth-stage companies. Over the course of his career, he has developed deep expertise in financial planning, business strategy, and wealth management—skills he now leverages to help clients build financial confidence, achieve long-term goals, and navigate complex financial decisions.
Toby’s commitment to the local economy extends well beyond his advisory practice. He champions local innovators, consolidates ecosystem resources, and creates platforms for founders to share insights, build relationships, and accelerate business growth. His leadership in this role reflects a deep investment in the success of Charleston’s small business community and its long-term economic vitality.
In addition to his professional and community work, Toby holds the Certified Exit Planning Advisor (CEPA) credential, a distinction that equips him to help business owners plan for meaningful transitions and future success. This credential adds significant value for entrepreneurs seeking strategic insight into building business value, designing exit strategies, and planning for life after ownership.
Toby is a graduate of James Madison University, receiving a Bachelor of Business Administration in 1992. He currently lives in the Charleston area with his wife, Elizabeth (also a JMU graduate), and their three dogs. In his free time, Toby enjoys golf, travel, and live music.
Toby’s professional journey began as a tech entrepreneur and Chief Technology Officer in the financial services industry, where he led technology and strategy for growth-stage companies. Over the course of his career, he has developed deep expertise in financial planning, business strategy, and wealth management—skills he now leverages to help clients build financial confidence, achieve long-term goals, and navigate complex financial decisions.
Toby’s commitment to the local economy extends well beyond his advisory practice. He champions local innovators, consolidates ecosystem resources, and creates platforms for founders to share insights, build relationships, and accelerate business growth. His leadership in this role reflects a deep investment in the success of Charleston’s small business community and its long-term economic vitality.
In addition to his professional and community work, Toby holds the Certified Exit Planning Advisor (CEPA) credential, a distinction that equips him to help business owners plan for meaningful transitions and future success. This credential adds significant value for entrepreneurs seeking strategic insight into building business value, designing exit strategies, and planning for life after ownership.
Toby is a graduate of James Madison University, receiving a Bachelor of Business Administration in 1992. He currently lives in the Charleston area with his wife, Elizabeth (also a JMU graduate), and their three dogs. In his free time, Toby enjoys golf, travel, and live music.
