Experience & Vision

Our Firm2019-06-13T18:43:36+00:00

Our Firm

Like other financial advisors, PFS Financial in Tampa, Florida specializes in wealth management – but that’s where the similarities end. We’re committed to providing investment planning services within a principled, highly-ethical framework. Perhaps this sounds a bit unusual to some, but it really boils down to honesty. How so? It’s simple – we help families and organizations manage their wealth in an environment of trust, respect, and dependability – and our relationships are based on building and maintaining client long-term financial health in a faithful, knowledgeable, up-front manner.

We believe that careful investment planning and well thought out strategies – rather than quick-fix impulsive maneuvers – provides the surest path to maintaining and building client wealth. With this foundation, we advise clients on ways to address their needs for financial planning, retirement planning, estate planning, and investment strategies. We work with our clients to create investment planning strategies customized to their particular needs. With a mixture of cutting-edge and well-tested tactics, we provide a financial planning and investment approach that works with you to help you pursue your goals.

As a financial advisory firm, PFS Financial pledges to:

  • Serve our clients with excellence
  • Adhere to the most stringent ethical standards
  • Provide what our clients truly need

Meet The Team

J.D. Pellecchia is a Tampa, Florida based Certified Financial Planner™ practitioner and Certified Investment Management Analyst® professional.

Prior to establishing PFS Financial in 2006, he served his country with honor for nine years in the United States Marine Corps as a naval aviator in the EA-6B aircraft. He received his Bachelor of Science in Accounting and Finance from Florida State University and an International MBA from Georgetown University in Washington, DC.

His background includes twenty years of successful financial analysis and investment planning with Merrill Lynch, Private Bank at Bank of America, and PFS Financial. During which time he has met the rigorous education, examination, experience and ethics requirements necessary to earn the Certified Financial Planner™ (CFP®) designation.  J.D. has also earned the Certified Kingdom Advisor™ designation, which recognizes him as a committed Christian financial professional who has met high standards in training, integrity, character, and competence as an advisor, leader and counselor.

J.D. is an avid advocate for many organizations in our local community.  Including, currently serving on the board for two organizations.  For First Priority Tampa Bay, J.D. serves as the Chairman of the Board.  For the Salvation Army Tampa, J.D. serves on the Executive Committee and as the chair of the Finance Committee.  He established the All Pro Dad Chapter at Mitchell Elementary and formerly served as Team Captain and serves as Assistant Scoutmaster for the Boy Scouts of America at his son’s Troop 22.  J.D. also serves on the Advisory Board for the National Christian Foundation. Also, he is an outdoor enthusiast – a “Top 20” finisher in the Hawaii Half-Ironman Triathlon many years ago and was a Little League baseball and softball coach.  J.D. enjoys spending time with his family and friends.  He is married with two teenage children.

In 2018, Zachary Mitchell accepted the responsibility of Associate, Practice Management for PFS Financial.  Zack recently graduated Liberty University with a Bachelor’s in Financial Planning, enabling him to meet the education requirements to become a Certified Financial Planner. Zack has also been involved with Kingdom Advisors, attending their conference and studying the core training of becoming a Certified Kingdom Advisor.

While attending school, Zack has volunteered over 100 hours for organizations such as Habitat for Humanity and Parkview Community Mission (food bank in Lynchburg, VA).  He dedicated his faith on August 21, 2014 during spiritual emphasis week where he was baptized.  Bridgepoint Church in downtown St. Petersburg is where Zack has been an active church member for 6 years and involved in a life group.

Zack also played college ice hockey for two years while attending Liberty University.  He began playing ice hockey in Florida when he was four years old and he is still part of several adult hockey leagues.  Zack is an active gym member and in his free time, he can also be found cruising around in his red Jeep by the beach.

In 2016, Ray Twetan accepted the responsibility of Client Services Director for PFS Financial.  Ray has been an active contributor in growing businesses for the past 12 years. Ray graduated from the University of South Florida with a Bachelor in Interpersonal Communication, enabling him to excel in team and client dynamics. Throughout Ray’s career he has improved his knowledge through trainings and learning programs, one of these is the Leadership Training for Mangers from Dale Carnegie.

Outside of work Ray volunteers with an organization that provides services for the homeless community in our area. He is a leader in his church and intentionally builds relationships for Gods Kingdom, seeking out communities and groups that traditionally the church has not. He went to South Africa in 2010 and received training in Contextualized Church Planting where he spent 6 months learning and living with the people there. Ray and his wife have a heart for adoption and the foster community and this led them to becoming active foster parents. They will be growing their family through these means trusting God throughout the process.

Julie Wood joined the PFS Financial team in 2013. Julie gained her general business and management experience over 20 years of being an integral part of fast growing small and medium size businesses. Prior to starting her career, Julie earned her Bachelors of Science in Psychology from Palm Beach Atlantic University.  Throughout her career, Julie has received recognition for her leadership, management and innovation, including the Dale Carnegie’s Innovation Project Award for the Leadership Training and the Pioneer Award at the Texas Department of Human Services.

In addition to fulfilling this role at PFS Financial on a part time basis, Julie is the director of a non-profit in Tampa dedicated to bringing justice in the areas of income, education and housing for those in the margins of our society.  She lives with her husband and their children in an intentional community in the V.M. Ybor neighborhood of Tampa.

Elio is responsible for client servicing, investment fiduciary guidance for plan sponsors, retirement readiness of plan participants, and business development in the Southeastern United States. He has a significant background in agricultural education and economics, and he has earned the Accredited Investment Fiduciary (AIF®) designation through the Center for Fiduciary Studies. Elio received his BS in Agricultural Education from Penn State. He received his MS in Agricultural Education and Food & Resource Economics as well as his Ph.D. in Entrepreneurship and Business from the University of Florida. He has eleven years of financial and investment industry experience. Elio is also active in the community through his service with the Gainesville Area Chamber of Commerce, the First Baptist Church of Alachua, the Latin American Discipleship Outreach Mission Board and the Gainesville Ducks Unlimited Chapter. He holds the Series 6 and 7 registrations with IFP Securities and holds the Series 66 registration with both IFP Securities and Kidder Advisers. Securities offered through IFP Securities, LLC, d/b/a/ Independent Financial Partners (IFP), member FINRA/SIPC. Investment advice and fiduciary services offered through Kidder Advisers, Inc., a registered investment advisor and separate entity from IFP Securities.

Ready to Talk?

Want to get the best return on life?