There's Only One FirstWave®

Published Articles

Press Release - Maria Sulick CFP

FirstWave Financial celebrates another CERTIFIED FINANCIAL PLANNER™ on the team, with Maria Sulick.

Satellite Beach, FL, April 12, 2023 – FirstWave Financial announces a new designation for Financial Planning Associate, Maria Sulick, as a Certified Financial Planner™ (CFP®) at FirstWave Financial, a Satellite Beach-based wealth management firm.


Enterprising Women | Spring 2023

“There are many and varied topics and feelings to deal with when we lose a spouse or partner–emotional, spiritual, social, and financial to name a few. The financial can be overwhelming and often complicates or interrupts the process of grieving and working through these other important issues.”

Business Succession – It’s A Journey

FirstWave Whitepaper

Have you ever considered what would happen to your business if you were suddenly not there? Discover a different and more successful approach to business transition.

Rescuing Employees’ Retirement

FirstWave Whitepaper

Is your 401(k) plan being used as a primary tool to foster employee engagement? If not, then it should be! More engaged employees lead to higher employee retention, better customer service, and overall positive operational health. All of these add directly to your bottom line.

Are You Worried About Your Money?

FirstWave Whitepaper

It is virtually impossible to ignore all the negative financial propaganda. It is everywhere. So what are you to do?

Chiesman: Work on the Business, as Well as in It

Florida Today | October 2017

Business owners, and other Type A leaders, tend to accumulate multiple areas of responsibility leading to high levels of activity. We are busy! I think this springs from our focus on growth, and vision of sharing our solutions and passions with more and more people.

401(k) and Increased Profit

SpaceCoast Business | December 2016

401(k) plans are rather ubiquitous today. If your business doesn’t offer one, it could be held against you in the court of employee recruitment and retention.  Even if you do have one, that very likely could be taken for granted.

Measuring Employee Success

SpaceCoast Business | October 2016

As a company, by creating smart savers, your employees will better understand how they can use their 401(k) plan to help bridge the gap from what they have now, to what they will need to have to live the life they desire in retirement.

But how will you know if these features are having a positive effect on the retirement lives of your employees?

Improving Employees 401(k) Future

SpaceCoast Business | August 2016

I wonder how many employees of companies that make matching contributions into their 401(k) plan know they could immediately double their contribution and savings, before it is even invested. Sound too good to be true? It’s not. In Part 4 of my book, The Brighter Future 401(k), titled Creating Smart Savers, I describe in detail exactly how this occurs.

How to Double Your 401(k) Contribution

SpaceCoast Business | June 2016

The 401(k) has become America’s largest casino. There are over 86 million 401(k) participants as I write this. Many plans have 30 or more investment options. While many employers may feel choice is a good thing, in the end, they’re just confusing to 85% of your employees. Left to their own devices, they either choose not to invest because they’re confused, or worse, they make the wrong investment decisions based on flaws in how they think about investing.

Optimizing Your Retirement Plan

SpaceCoast Business | April 2016

Do you know what factor has been shown to be key in growing profits up to three times faster than competitors? Engaged employees! Study after study has shown organizations that consist of engaged employees are easier to run, make more money, suffer less waste and are happier places to work.

Are You Leaving Money On The Table?

SpaceCoast Business | December 2015

This is the story of two hypothetical corporate executives, “John” and “Michelle.” Both work very hard for highly profitable companies. They hold positions where their personal economic futures are directly connected to the future economic success of the companies they direct by traditional golden handcuffs.

Avoiding Insider Trading Claims

SpaceCoast Business | September 2015

Corporate leaders often feel like they live in a fishbowl. Almost everything they do and say is subject to the prying eyes of onlookers. And for the leaders of publicly traded companies, this intrusion into their private lives is taken to a whole new level.

How to Improve Your Quality of Life

SpaceCoast Living | August 2015

Do you spend as much time as you would like on what is most important to you? For most people, the answer to this question is no. There are so many things vying for our attention that we often go from one to the other based on which one is screaming the loudest at the time without really thinking about what we are perhaps ignoring.

Using Stock Options To Amplify Wealth

SpaceCoast Business | June 2015

Stock options amplify wealth creation because of the leverage they utilize. They allow the option holder to benefit by the increasing share value on all the shares of stock covered by the option for little or no cost, at least until the option is exercised.

Rocket to Financial Independence

SpaceCoast Business | March 2015

Good news! You are a well-paid corporate executive with the opportunity to potentially double or triple your annual income through the receipt of shares of company stock as part of your total compensation package. Since your decisions and actions have a direct impact on the increasing value of your company’s stock, you are excited to have your financial future so directly connected to its promising future.


SpaceCoast Business | December 2014

As you review the company benefits available to you, is a SERP (Supplemental Executive Retirement Plan) on that list? When should you consider taking advantage of this savings option and how can it best serve you?

Like a 401(k) plan, a SERP can be composed of company and/or participant contributions. What’s the Difference?

Golden Handcuffs: A Love/Hate Relationship

SpaceCoast Business | September 2014

Golden Handcuffs are handsome rewards (the gold) with constraints (the handcuffs). Business leaders love and hate them. Your heart can grow much fonder of them if you leverage them to contribute to a bright financial future through proper planning, proactive strategies and purposeful execution.