We Are Your Trusted Advisors

VG Trusted Advisor

Advisors at Vital Guidance Financial Management incorporates your complete financial status into their planning strategies to help you reach your financial goals.  Whether you need to buy a stock or sell a house, our advisors work with or through leading companies to help you.

No more “You have to move your accounts” in order to get help with your finances.  Our fee-based management structure allows us to work across many platforms as well as industries to give you the top investment, insurance products, mortgages, portfolio loans and real estate buying or selling options.  Our plan is simple, provide independent and objective advice while managing your assets to achieve your goals.

Because Vital Guidance has no proprietary products, meet the advisors who truly provide conflict-free advice and full asset management services:

Carnell Moore, CFP®, REALTOR®, MLO

After almost 20 years as a wealth management advisor for Merrill Lynch, Carnell now serves as President of Vital Guidance Financial Management.  The Certified Financial Planner served six years in the Air Force before completing a master’s degree with an emphasis in investor relations at the University of Florida.  He also holds many professional licenses including principal, management and supervisory in securities, life and variable insurance, property & casualty insurance, mortgage origination and real estate.  His experience as a trust officer for one of the top 10 banks in the country provided extensive knowledge in estate planning and investment strategies to help build, maintain or grow portfolios to support clients’ financial lifestyles and goals.  Carnell is also founder of The Premier Players Sports Foundation which raises awareness and funds to support orphaned, foster, special needs and at-risk children’s participation in sports and sporting events.  He is married to Dr. Nancy Moore, DVM, and has five children.

Brandon R. Barile, CFP®, CRPC®

Since 1996, Brandon has pursued a unique mission with his clients of providing personalized, thorough and ongoing wealth management. He believes everyone who is accumulating assets for retirement, or is retired, has financial concerns and deserve answers that give them choices. As an Independent Advisor, Brandon and the team have many resources to make that happen. He is a Certified Financial Planner® and Chartered Retirement Planning Counselor® but works with a team to ensure the best options are provided to his clients. He also adheres to a code of ethics and professional responsibility stipulated by the CFP Board of Standards and maintains a rigorous program of continuing education. Brandon has lived in the Tampa Bay area since 1978 and is a 1988 graduate of the University of South Florida. He lives in Land O Lakes with his wife Janna and two sons who enjoys soccer and golf.

Alan R. Herring, ChFC®, PMP

Alan Herring has been a Chartered Financial Consultant (ChFC) since 1997, and has worked in financial planning endeavors with his own company and with New England Financial. He most recently served as a deferred compensation plan administrator for more than 15 years at Pasco County Sheriff Office before joining Vital Guidance Property & Casualty Group. He holds a bachelor’s degree in accounting from Florida State University, a master’s degree in public administration/management from Troy University and the Project Management Professional Designation.  You’ll get more than 30 years of business experience along with his passion to provide guidance and services for individual and corporate clients. Alan lives in Wesley Chapel, FL, with his wife and two children.

Dominick J. Cristofaro, CRPC®

Dominick serves as the Senior Finance Manager – Treasury at District School Board of Pasco County and has more than 22 years of investment experience.  He has owned an insurance business in the Tampa Bay area as well as worked as a financial advisor for various large financial companies including Merrill Lynch and USAA.  At Vital Guidance, he assists individuals and businesses with asset protection and wealth preservation strategies.  The Chartered Retirement Planning Counselor has a bachelor’s degree from the University of Connecticut and an MBA from the University of Hartford.  He lives in Land O Lakes, FL with his wife and three children.

Rachel Lewis, REALTOR®

Real Estate Advisor Rachel Lewis was a 4-time conference all-star college basketball player and played for a number of Canadian provincial and junior national teams.  She also traveled around the world performing as a singer/songwriter, and lived abroad in Japan for four years where her husband played professional basketball.  A graduate of the University of Toronto, she has earned the respect of teammates and colleagues alike due to her hard work, passion, and determination.  She transitioned into real estate because of her love for architecture and beautiful homes. Rachel has made a high commitment to real estate education, and has been mentored by some of the top leaders in the industry.  She provides unparalleled professional and ethical standards for each and every client.  At home, Rachel enjoys spending time with her family, cooking, yoga, and the sounds of great music.

Eric Dungy, REALTOR®

Through Compass, Eric Dungy brings a unique perspective on the art of the real estate deal. The long-time Tampa resident and avid sports enthusiast takes pride in his ability to forge relationships through hard work and determination. He is entrenched in sports leagues across the country, and as a Division 1 student athlete at the University of Oregon, he learned the importance of a strong team dynamic. Eric earned his Bachelor of Arts in Sociology while demonstrating leadership as a mentor to special needs students and building his network on the west coast. He returned to Tampa to pursue a graduate degree in Entrepreneurship at the University of South Florida where he discovered his passion for matching people with their dream homes. In addition to his strong ties in Tampa, Eric has built an impressive roster of clients nationally through his specialized access to sports and entertainment arenas.

Kirk Malone, Real Estate Advisor

Kirk is originally from Louisville, KY, and received his bachelor’s degree in business administration from the University of Kentucky. He has been in consultative sales for more than 30 years and brings a high level of listening skills, work ethic and integrity to the workplace every day.  His most recent endeavor was a start-up small business that he founded and managed for 12 years then negotiated its profitable sale.  He has extensive personal experience in residential, investment and rental properties and more than 15 years in rental property management.  His outside interests include teaching adult Sunday school at Idlewild Baptist Church and spending quality time with his wife Tammy and their three children.

Chaz Richwine, Individual & Group Healthcare Plans

Representing all the major insurance companies, Chaz provides businesses, individuals, and the self employed with quality insurance plans while soliciting quotes for the most competitively priced. As an independent agent, he works for you and not the insurance company by keeping you informed with the changes in laws or requirements that effect their plans. For businesses, Chaz is an extension of your human resource department by helping to resolve billing problems, medical claims, cobra administration, adding or deleting employees, assisting in enrollment meetings and any other situations associated with your insurance.

Ky Dickerson, Auto, Home & Commercial

Ky Dickerson has been working in the insurance industry for over 22 years. She spent many years as a claims adjuster and then as a manager for one of the top insurance companies in the industry. Since 2008, she has owned and operated the Ky Dickerson Insurance Agency in Georgia. The agency specializes in offering auto, home, business and life insurance. Ky utilizes her experience and knowledge of the insurance industry to make sure customer’s needs are met while providing quality, personalized service. She holds a Bachelor’s degree in Public Relations and a Master’s degree in Mass Communication from the University of Florida. Away from the office, Ky enjoys reading, traveling, exercising and spending time with her husband and two children. F: