Advisors at Vital Guidance incorporate your complete financial status into their planning strategies to help you reach your goals. 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 investments, 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. 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, health 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.
Robert comes from a military family and has lived in many locations throughout the United States and abroad. He earned a bachelor’s degree from the University of New Mexico before entering the financial services industry. He retired from Bank of America Merrill Lynch in 2016 after more than 20 years in the industry, and now works as a financial advisor for Vital Guidance Financial Management. He is a contributing member of Idlewild Baptist Church devoting his time to the Special Needs and Stewardship Ministries. Robert lives in Crystal River, FL, with his wife Miyuki, who is from Guatemala.
Christopher O. Elliott
Chris started his career with Merrill Lynch in their downtown Miami office in 1995, working with the firm’s International Private Banking Group. He held various key positions within the department and eventually became one of the managers of the group. The group provided and assisted Merrill’s Financial Advisors and their clients with banking products and services, which included securities-based lending, letters of credit and foreign exchange. In 2003, Chris transitioned to Merrill Lynch’s Global Private Client Group in Jacksonville as a financial advisor. He then moved to Merrill Lynch’s downtown office in Tampa, FL, where he continued to advise clients on their investment and financial planning needs. Chris holds Bachelor of Science degrees in Business Administration and Economics/Finance from Barry University in Miami, FL. He is also part owner of a family restaurant in Brandon, FL. At Vital Guidance, he focuses on individual and business retirement plans. He also works with other professionals, such as attorneys and CPAs, to advise their clients on strategies and products to achieve their financial goals.
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.
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 Specialist
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.
Gregory Nilles, Sr., Auto, Home & Commercial Insurance Specialist
Greg Nilles has been an insurance professional since 2003 and is a licensed Customer Service Representative. He specializes in personal insurance, including but not limited to, home, condominium, flood, auto, water craft, RV, motorcycle and personal umbrella. In addition to his career in the insurance industry, Greg has a decade of restaurant management experience in the Chicago area, holding every position from cook to manager. Originally from Chicago, IL, Greg has lived in Florida since 2017. He also studied broadcast journalism at Columbia College in Chicago.