Experience & Vision

Our Firm2020-01-21T15:20:34+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 and fiduciary 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.

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.

Prior to joining PFS Financial, Pascal was a senior financial analyst at Mercer Park LP, a family office focusing on the acquisition of alternative investment entities. Before joining Mercer Park LP, Pascal was the chief risk officer and the director of quantitative research for the Rock Maple Funds, a fund-of-hedge-funds manager. At Rock Maple Funds, Pascal developed an investment “roadmap” for hedge fund portfolio construction and risk management, based on the concepts of Omega. Pascal was a frequent speaker at hedge fund conferences, seminars and round table events, both domestic and abroad. Previously, Pascal was the director of risk management at Pine Grove Asset Management. His past experience includes working at JP Morgan Securities; there he developed an investment/risk methodology known as Risk Appraisal Drives Absolute Returns (“RADAR”) and assisted in the portfolio construction process and manager due diligence for the creation of fund-of-hedge-funds products. Earlier in his career, he also developed and expanded the hedge fund advisory services for the bank’s Geneva office. It is at JP Morgan that Pascal developed the “Hedge Fund Cycle Map”, a macroeconomic based approach to evaluate hedge fund strategy performance. Prior to JP Morgan, Pascal was a fund manager at Deutsche Bank (North America and South East Asia Equity Funds), and at Lloyds Bank (Global Fixed Income Fund). At both institutions Pascal was a member of the investment committee, responsible for the USD denominated managed accounts.

Roduit received a BA and an MBA from The American University, Washington, DC.

In addition to serving as our Broker/Dealer, Independent Financial Partners (IFP) provides us with administrative, technical and compliance support. They allow us to focus on what matters most: serving our clients. IFP and PFS Financial are separate entities.

Bill began his career in financial planning in 1983 with the CIGNA Corporation. He grew his private practice for almost 20 years when, in 2000, he had the opportunity to acquire an OSJ group of 10 advisors operating on the hybrid RIA platform within what was formerly known as Mutual Services Corporation (a broker-dealer later to be acquired by LPL). Wanting to expand this group, he decided to build a firm that he as an advisor would want to join…a firm of advisors built by an advisor. Growing from 10 advisors in 2000 to now over 200 nationwide, IFP is on the cutting edge of the hybrid RIA industry and has served as a preferred platform for financial advisors seeking the path of independence. What has most significantly contributed to this growth is Bill’s philosophy that the advisor comes first, and you can see this weaved into the entire fabric of the IFP value proposition.

Aaron serves as the Chief Investment Officer for Independent Financial Partners and President of IFP Asset Management. Conducting analytical research and due diligence for all investment types, portfolio analysis and construction, portfolio management, and directing all activities in IFP’s Asset Management Group. Serves as head of the IFP Investment Advisory Committee. Aaron is also a partner at MarketPsych Insights, a company dedicated to providing a suite of client profiling tools for the modern financial advisor. MarketPsych Insights is a separate entity from IFP.

Pete’s responsibilities include conducting due diligence for investments, providing assistance to advisors with investment-related tasks, forecasting market returns by running regression analyses using economic variables, assisting in the surveillance of Pershing, Schwab, Fidelity, and TD Ameritrade accounts, and much more. Pete also serves on IFP’s Investment Advisory Committee.

Jayne Alford represents IFP Insurance Group to independent financial advisors of all backgrounds and expertise. She consults on concepts, case design, on the use of risk transfer tools including life insurance, disability, long term care, and annuities.  Jayne is a strategic marketer in business development for advisors wanting to grow, opening new markets to include insurance opportunities. She speaks, trains, and advocates for the collaborative approach in planning.

Jeff champions a message of the upside opportunities possible for Advisors who incorporate a multidisciplinary business model supported by IFP’s integrated ecosystem. His primary responsibilities are the continual evolution and efficient execution of multifaceted business development strategies aimed at helping Advisors exponentially grow and diversify their practice capabilities, create enhanced and expanded revenue streams and ultimately drive enhanced business valuations.

In addition to serving the entirety of IFP as its Chief Business Development Officer, Jeff is also President of IFP Plan Advisors. He is driven by a fiduciary based business model mindset focused on helping Advisors, whether specialists, generalists or occasionalists, serve the needs of retirement plan sponsors and their participants through IFP’s in-house resources and enterprise level partnerships. While our integrated ecosystem can support Advisors across the spectrum of micro to mega sized plans, our Plan Advisors’ division has a special focus on meeting the unique needs of micro-to-mid size plan sponsors with an approach that expands the opportunities of our Advisors exponentially.

Jakub oversees onboarding and transitions of qualified financial advisors joining IFP.

Abby provides support and assistance to advisors opening new accounts, ensuring paperwork is in good standing.

Melissa is the Chief Compliance Officer at Independent Financial Partners, a broker-dealer and RIA based out of Tampa, Florida. She is responsible for keeping IFP compliant, which means abiding by FINRA and SEC regulations. Prior to joining IFP, she was the VP of Fiduciary Services and the Chief Compliance Officer over their RIA.

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