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

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Recent Posts

No Regrets

In simple terms, a legacy is passed from one generation to the next and often refers to gifts of money or property.


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