Meet the Team

For Carl helping people attain and manage their financial goals is his passion and mission. As the President and Founder of Financial Guidance Group, Carl takes his role as a fiduciary fee-only adviser seriously by providing unbiased financial planning and investment management advice. Navigating the complexities of the financial markets can be a daunting task to most people. That's why having a knowledgeable professional on your side that has no industry or product affiliations will assure you of getting no conflicts-of-interest advice. Carl helps his clients avoid major financial mistakes by simplifying and organizing their financial lives, and providing them peace of mind through the professional management of their finances.

Carl has more than 34 years of experience in the financial planning and investment management field, and has been a fee-only planner since 1995, one of the first in the Tampa Bay area. He believes there are inherit conflicts-of -interest when a planner stands to gain financially from the products they recommend. Commissioned planners and brokers are compensated by the financial products they sell or the number of transactions they perform, not the quality of their advice.

Other financial professionals rely on Carl's knowledge and experience. He has served as an expert witness in financial mediation's and has acted as an industry arbitrator for the Financial Industry Regulatory Authority (FINRA). He also works closely with several local certified public accounting firms, providing financial advice and investment management expertise to their clientele.

Carl received his CERTIFIED FINANCIAL PLANNER™ certification from the CFP Board of Standards after completing a professional course of study through the College for Financial Planning in Denver, CO. He is a NAPFA-Registered Financial Adviser™ and active member of the National Association of Personal Financial Advisors (NAPFA) – the nation's premier organization of comprehensive fee-only planners – where he has served as a member of the South Region’s Board of Directors and facilitates various educational workshops.

Carl has earned the AIF^®credential – which stands for “Accredited Investment Fiduciary” – from the Center for Fiduciary Studies, Center for Executive Education Joseph M. Katz Graduate School of Business, University of Pittsburgh.

Born and raised in the Tampa Bay area and when he is not working, Carl enjoys spending time with his wife of 38 years, Cindy, their grandchildren Aubrey Mae, Adelie Kate, Jakob Axel, & Jaxen Isaak.

Christoph joined Financial Guidance Group, Inc. full-time in April of 2005 after working as a team leader in the back office of the Tampa, FL headquartered broker/dealer, INVEST Financial Corporation. Christoph completed his NASD Series 7 exam in 2004 and his NASD Series 66 exam in 2005. He graduated college in 2002 with a Bachelor of Science degree in Business Administration from Clearwater Christian College. Christoph earned the CERTIFIED FINANCIAL PLANNER™ mark of distinction in 2006 and is a member of the National Association of Personal Financial Advisors (NAPFA). Christoph also worked as an intern for Financial Guidance Group, Inc. during college. Christoph, his wife Tiffany, and their sons Jakob & Jaxen reside in Palm Harbor, Florida.

Diane Campbell came to Florida early in her life. She is a graduate of Clearwater Christian College with a B.S. degree in Business Education. Her background includes teaching business courses on the high school and college level, working in banking for seven years in accounting and as a secretary, and working for a trucking company as assistant Human Resource Director, Supervisor of Payroll and in the accounting department. She enjoys a challenge and loves to use her organizational skills. Diane also holds an active real estate license and is a published author of books, articles, poetry and short stories. She is actively involved in teaching children at her church, singing in the choir, and writing programs. She does solo work at church and sings with the Clearwater Chorus, based at Ruth Eckerd Hall. In her “spare” time she enjoys sewing, floral arranging, scrap booking and going to car shows with her husband of 40 years. They have two daughters and five granddaughters.

Cindy is responsible for Client Relationship Management. Also a Pinellas County native, Cindy ensures that client office visits; meeting functions and social contact is handled with excellence, care and proficiency. She is a graduate of St. Petersburg College and attended the University of South Florida, majoring in Music. Cindy enjoys her role as homemaker, wife, mother and Nana to her four grandchildren.

CFP^® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.