There's Only One FirstWave®

Tom Kirk


Founder and WealthAdvocate™


  • Founded FirstWave Financial in 1995
  • Certified Public Accountant
  • Personal Financial Specialist
  • Florida Insurance License 2-15


FirstWave Financial®, Founder and WealthAdvocate

  • Transforms the complexity that wealth brings into simplicity and confidence for clients.
  • Creator of FirstWave Service Processes – The WealthCare Solution™ and The Retirement Plan Optimizer™
  • Author, Writer, and Speaker
    • Are You Worried About Your Money?
    • The WealthConfidence Scorecard™
    • The Brighter Future 401k (co-author with Robert DeVries)
    • Over 100 Financial Industry Related Articles, Blogs, and Presentations
  • Small Business Consulting


Hoyman Dobson CPA, Founding Director

  • Individual, Business Tax, and Financial Planning


  • University of Florida, Gainesville FL: BSBA- Accounting


  • American Institute of Certified Public Accountants
  • Florida Institute of Certified Public Accountants
  • Financial Planning Association


  • Space Coast Porsche Club of America (Zone 12)
    • Active Board Member
    • Treasurer 2008-2018
    • Escape Velocity Magazine – Content Writer
    • High Performance Racing – “Live Your Best Life”
  • Trinity Wellsprings Church
    • Elder Leader
    • Community Choir Member
  • Beachside Strummers Ukulele Club


  • Health First Foundation
  • Good Samaritan
  • United Way of Brevard, Tocqueville Society

Interested in a

Complimentary Consultation?

Recent Posts

The Many Ways Our Grandparents Give.

By Laura Chiesman

As life expectancies continue to increase so does the number of lucky kids who have multiple grandparents in their lives. Grandparents (and great-grandparents) are key sources of assistance to families and their influence is well documented.


4 Conditions that Impact your Money 

By FirstWave Financial®

When are you going to stop worrying so much about your money? When you finish paying for the kids’ college educations? When you pay off your mortgage? When you have saved one million dollars? When? While each of these are great achievements, unfortunately accomplishing them can have you worrying even more about your money.


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