Broker Check

Our Team

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Bret D. Smith

ChFC®, CLU®, CFP®, MSFS, CEO & Co-Founder

Bret is a CERTIFIED FINANCIAL PLANNER™ practitioner. From 2000-2013 Bret was an adjunct professor at the University of South Florida, teaching Risk Management for the Financial Planner Certificate course. Bret graduated from the University of South Florida with a BA in Business and earned a MS in Financial Services from the American College. Bret resides in the North Tampa community of "Lutz" with his wife Carla. Bret and Carla have three adult kids and are expecting their first grandchild. In his free time, an avid sportsman, Bret enjoys hunting, fishing, kayaking, scuba diving and spending time with his family. Bret & Carla are active in their local church, Acacia Grove.

Licenses / Designations Held

  • CERTIFIED FINANCIAL PLANNER™
  • CLU®  & ChFC® 
  • Masters of Financial Services
  • Registered Representative (FINRA Series 7, 24, & 63)
  • Investment Advisor Representative (FINRA Series 65)
  • Florida Life, Health, & Variable Insurance Licenses
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Rick A. Smith

President and Co-Founder

Rick is the President of West Coast Financial Group. Rick graduated from the University of South Florida with a BA in Business in 1982. Rick lives in Land O Lakes, with his wife Jane. They have three grown daughters. Rick enjoys boating, scuba diving, fishing, cycling and running. Most of Rick's free time is spent with his family. Rick and his wife Jane are members of a local Baptist Church.

Licenses / Designations Held

  • Registered Representative (FINRA Series 6, 63, 26)
  • Investment Advisor Representative (FINRA Series 65)
  • Florida Life & Variable Annuity Insurance Licenses
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William "Dave" Wolcott

CFP®

Dave is a CERTIFIED FINANCIAL PLANNER™ practitioner. Dave joined us at West Coast Financial Group in 2004, coming to us from T. Rowe Price, with several years of experience in investment planning, and servicing accounts of high net worth individuals. Dave is a graduate of the University of South Florida with a Bachelor of Arts degree in Mathematics. Dave's hobbies and interests include spear fishing, boating, and fishing.

Licenses / Designations Held

  • CERTIFIED FINANCIAL PLANNER™
  • Registered Representative (FINRA Series 6,7,24, & 63)
  • Florida Life, Health, & Variable Insurance Licenses
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Stephen Dalfino

Paraplanner

Steve Dalfino has worked for West Coast Financial Group, Inc. since 2004 as a Paraplanner to Rick and Bret Smith. His background includes Securities Trading as well as having previously worked for T. Rowe Price. He has a Business Degree from the University of South Florida, majoring in Finance.

Licenses / Designations Held

  •  FINRA Series 7 & 24
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Kim Cox

Compliance Specialist

Kim has 16+ years experience in the Financial industry. She received her MBA from Baker University in Overland Park, KS. Kim lives in Land O Lakes, FL. with her husband and two children. Kim enjoys watching her daughter do gymnastics and her son play soccer. She spends her free time at the beach with family.

Licenses / Designations Held

  • FINRA Series 7, 24, & 66
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Lissa Ferrell

Administrative Assistant

Lissa lives in Lutz with her husband Jeff, and their three children. Lissa worked for Verizon Data Services before taking a break to raise a family. In her nineteen years with Verizon, she held various positions in Accounting, Human Resources, and technical support for Verizon's billing system. Before coming to West Coast she volunteered and worked part time for her local elementary school. Lissa enjoys summer vacations at the beach and is a huge Disney fan.

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John Hoke

John Hoke has been an agent with West Coast for over 25 years and has been in the business since 1983. John currently uses his 30 plus years of experience in conducting Social Security and Florida Retirement workshops. John resides in Palm Harbor with his wife Karen. He has three grown children Meghan, Brian and Collin. In his free time, John is a pilot and very much enjoys camping and kayaking.

Licenses / Designations Held

  • Registered Representative (FINRA Series 6, & 65)
  • Florida Life, Health & Variable Insurance License
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Christian Isaly

Christian joined West Coast Financial Group in 2000, after spending the previous 7 years as an independent advisor. Christian works with teachers in Hillsborough, Pasco, and Pinellas counties. Christian resides in New Port Richey with his wife LeAnn and his 3 children. Christian spends much of his free time with his family and volunteering at Calvary Chapel Worship. Also, Christian is a veteran, a former marine who is part of the Marine Corp League and is still a military enthusiast.

Licenses / Designations Held

  • Registered Representative (FINRA Series 7, 24, & 63)
  • Florida Life and Variable Insurance Licenses
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Elliott "Lee" Harris

Lee's knowledge is in the 403(b) marketplace. He joined West Coast Financial Group in 2002. He has over 25 years experience in investing. Lee is a member of Faith Presbyterian Church in Seminole, FL and resides in St. Petersburg with his wife Krista, daughter Hayden and son Elliot. Lee has a B.A. in Business from Eckerd College. Lee has also been an Officer in the Merchant Marines since 2000, and is originally from Connecticut.

Licenses / Designations Held

  • Registered Representative (FINRA Series 6,7,63,& 65)
  • Florida Life, Health, & Variable Insurance License
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Krista Harris

Krista has experience in many areas of the financial industry. She worked for Franklin Templeton for 16 years prior to staying home with her two children. She works part-time as a volunteer at Orange Grove Elementary School and Osceola Middle School.

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Chuck Lewandowski, CFP®

Chuck joined West Coast Financial Group in 2003. He previously had worked at Raymond James. Chuck specializes in retirement plans and insurance solutions for small businesses and professionals. Chuck and his wife Lois live in Tampa. They have two children, Elizabeth and C. J. Chuck is a graduate of Rutgers University where he earned a Bachelor of Science degree in Industrial Engineering and a Masters of Business Administration.

Licenses / Designations Held

  • CERTIFIED FINANCIAL PLANNER™
  • Registered Representative (FINRA Series 7, 63, & 65)
  • Florida Life, Health, & Variable Insurance License
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Brian Lott, CFP®

Brian is a CERTIFIED FINANCIAL PLANNER™ certificant. He joined West Coast Financial in 2006 following a twenty six year career in Consumer Finance. Brian is a Magna Cum Laude graduate from California State University Dominguez Hills with a Bachelor's Degree in Business Administration. He resides in Bayonet Point with his wife, Michelle, a Teacher with Pasco County Schools.

Licenses / Designations Held

  • CERTIFIED FINANCIAL PLANNER™
  • Registered Representative (FINRA Series 6 & 63)
  • Investment Advisor Representative (FINRA Series 65)
  • Florida Life & Health Insurance License

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Wes Adwell

Wes has worked with West Coast Financial Group, Inc. since 2011. Wes is also currently employed as a Fire Captain with Tampa Fire Rescue. He’s also served as a fiduciary on the Board of Trustees of the City of Tampa’s Fire & Police Pension Fund, and is a former Certified Public Pension Trustee (CPPT). He enjoys helping public safety officers and their families with their retirement saving & planning. Wes honorably served his country in the U.S. Navy. He’s a Tampa native, lives in the Lutz area with his wife and son, and are members of St. Timothy’s Catholic Church.

Licenses / Designations Held

  • Registered Representative (FINRA Series 6 & 65)
  • Florida Life, Health & Variable Insurance License.
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Jesse Smith

Jesse grew up just north of Tampa in the great town of Lutz, FL. He got his business degree from the University of South Florida, and then a masters degree from Southeastern Seminary in Raleigh, NC. He married Kourtney, a beautiful young lady from Alabama and has settled back down in Lutz. Jesse is a financial advisor and has partnered with Bret assisting with clients.

Licenses / Designations Held

  • Registered Representative (FINRA Series 7)
  • Investment Advisor Representative (FINRA Series 66)
  • Florida Life, Health & Variable Insurance License.


Portrait

Richard Sharpe

Richard started working with West Coast in 2015 after working as an independent advisor for the previous 6 years. Richard works with teachers in Hillsborough and Pasco counties, and also charter schools. Richard graduated from Florida State University with a degree in business management. He lives in Land O’ Lakes with his wife Wendy and their two children. Richard spends his free time volunteering at his kids’ school where he is also the coach of the middle school soccer team.



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Debbie Carmack

Debbie lives in Brandon with her husband Dennis, and is the mother of 3, and grandma of 4. She started her professional career working in the banking industry for over 10 years. Before coming to WCFG, she and her husband owned and operated a flooring company for over 20 years. As co-owner, she had various jobs, but mostly served as the financial overseer of the company.

Debbie really enjoys a long, relaxing day at the beach, and spending lots of quality time with her grandchildren.

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Rick Black

Rick has been a personal lines insurance and retirement specialist for more than 30 years. Formerly agency principle of Rick Black Insurance LLC, he has been helping his clients with their personal risk management since 1984. Married to Sharon in 1980 with two children Danielle and Christopher. Golfing, fishing and family are his favorite activities.

Licenses / Designations Held

  • Chartered Life Underwriter
  • Florida Class 220 Property Casualty and General Lines
  • Florida Life, Health, Variable Annuity
  • Registered Representative (FINRA Series 6, 65)