After graduation Toby went straight to Wall Street, with National City Bank. In 1965 he earned an MBA in finance at New York University. After more than a decade with National City, he moved for a time to Irving Trust Co. before migrating to the brokerage side. He spent the balance of his career with Donaldson, Lufkin and Jenrette, then Bull & Bear (a mutual fund), and finally Smith Barney & Co.
After meeting Merwin Braxton on a blind date at Smith, they married in 1961 and raised their family of six children in Manhattan. As a parishioner of Brick Presbyterian Church there, Toby served as a deacon and elder during his 60-year membership.
Toby died of COVID-19 complications Jan. 19, 2021. He is survived by Merwin, their six children, and 13 grandchildren, to whom we send our sympathies.