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Paula Jean Ciotti

Advisor at Empower Advisory Group — Palm Coast, FL

Updated today

Credentials

Series 63, Series 66

Experience

17 years

Location

Palm Coast, FL

Empower Advisory Group logo

Empower Advisory Group

Enterprise

Total advisors

2,014

Across 1,087 offices

Clients per advisor

146 Very High

Avg AUM per client

$565,063 Typical

HNW client ratio

7% Low

About

Paula Ciotti is a financial advisor with Empower Advisory Group in Palm Coast, Florida, holding Series 63 and Series 66 licenses and 17 years of industry experience. Her prior roles include positions at Santander Securities, Morgan Stanley, and Northwestern Mutual Investment Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm’s integrated model leverages proprietary and third-party methodologies focused on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Client services

Based on Empower Advisory Group

Financial planning Portfolio management Educational seminars or workshops

Expertise

Based on Empower Advisory Group

General retirement planning Retirement income strategy Social Security optimization Debt management College savings (529s, UTMA, etc.)

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Fee options

Fixed

One-time fees: $199, $299, $399, or $499 depending on enrollment and plan; Monthly subscription fees: $15 or $29 depending on enrollment

Subscriptions

Monthly subscription fees of $15 or $29 depending on enrollment; One-time fees as noted above

Location

See office

Palm Coast, FL

Palm Coast FL

Advisors at this office

3

Most active in

Florida

Work history

17 years of industry experience

Empower

2022 - Present • 4 years

Portsmouth, NH

Signet Jewelers

2019 - 2020 • 1 year

Seabrook, NH

Santander Securities, LLC

2018 - 2022 • 4 years

Dorchester, MA

Santander Bank, NA

2018 - 2022 • 4 years

Boston, MA

Jeffrey Photiades

2017 - 2018 • 1 year

Manchester, NH

Northwestern Mutual Investment Services LLC

2017 - 2017 • 1 year

Manchester, NH

Durham Hannaford

2016 - 2017 • 1 year

Durham, NH

Unemployed

2016 - 2017 • 1 year

Dover, NH

Morgan Stanley

2014 - 2016 • 2 years

Portsmouth, NH

TD Ameritrade, INC.

2012 - 2014 • 2 years

Bedford, NH

TD Ameritrade Investment Management, LLC

2012 - 2014 • 2 years

Manchester, NH

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Orlando J

Series 66

Palm Coast, FL

Johnson Wealth Management, LLC

Orlando Johnson is the principal advisor of Johnson Wealth Management, LLC in Palm Coast, FL, holding a Series 66 designation and bringing 14 years of industry experience. He founded and serves as Senior Advisor to the Prosperity Seekers Investment Club, a local investment partnership established in 2002. Johnson Wealth Management serves individual investors, charitable organizations, and corporations with portfolio management, financial planning, and consulting services using tailored strategies that incorporate client objectives and risk tolerance. The firm offers both discretionary and non-discretionary portfolio management with ongoing monitoring and rebalancing.

Wealth management Cash flow / budgeting
user avatar

Neal A

Series 65

Palm Coast, FL

Albert Capital Management LLC

Neal Albert is a financial advisor at Albert Capital Management LLC in Palm Coast, FL, holding a Series 65 designation with five years of industry experience. He has worked with Albert Capital Management since 2021 and has previously held roles at Grabber Construction Products and Allied Building Materials. Albert Capital Management LLC provides non-discretionary financial planning, advisory consulting, and portfolio management services to individuals, trusts, estates, and charitable organizations. The firm focuses on strategic asset allocation using diversified, low-cost mutual funds and ETFs, offers customized Investment Policy Statements, and conducts ongoing educational seminars.

General tax planning Wealth management Retirement income strategy Cash flow / budgeting
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Martin A

Series 65, Series 63

Palm Coast, FL

Baffin Advisors LLC

Martin Anidjar is the sole advisor at Baffin Advisors LLC, holding Series 65 and Series 63 credentials with 17 years of experience since founding the firm in 2009. He operates out of Palm Coast, Florida, providing investment advisory services exclusively to non-U.S. clients. Baffin Advisors LLC is an independent investment adviser specializing in discretionary portfolio management for high-net-worth individuals. The firm employs a medium-term global macro investment approach focused on emerging markets, using diversified allocations across multiple asset classes tailored to each client’s objectives and risk profile.

Wealth management Passive / index investing Active portfolio management Cross-border / expatriate tax planning HENRY (High Earners, Not Rich Yet)
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Philip H

Series 63, Series 65

Palm Coast, FL

FL Group, Inc.

Philip Hotz II is an investment advisor representative with FL Group, Inc., holding Series 63 and Series 65 credentials and four years of industry experience. He has worked at FL Group, Inc. since 2023, with prior roles including Gradient Advisors, LLC and USFEDS. Hotz also serves as a Notary Public. FL Group, Inc. serves individual and high-net-worth clients by facilitating access to third-party money managers rather than directly managing client assets. The firm focuses on evaluating managers for suitability, assisting clients with onboarding, and monitoring performance, while investment discretion and trade execution remain with the selected managers.

Active portfolio management Wealth management
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Keith W

CFP®, Series 65

Palm Coast, FL

Capstone Investment Management LLC

Keith Wiltfong is a CFP® and Series 65 credentialed advisor with 12 years of industry experience. He is the sole advisor at Capstone Investment Management LLC and has been involved with affiliated entities including an insurance agency and a home and auto business. Wiltfong operates as a licensed insurance agent, dedicating a significant portion of his time to that role alongside his advisory duties. Capstone Investment Management LLC serves individual and high-net-worth clients by providing fee-based financial planning, qualified plan consulting, and discretionary portfolio management. The firm uses fundamental, technical, and cyclical analysis to tailor portfolios and plans to each client’s objectives and risk tolerance, managing approximately $62 million in assets across 243 client relationships.

General retirement planning Social Security optimization College savings (529s, UTMA, etc.) General tax planning Wealth management
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Carter H

Series 63, Series 66

Palm Coast, FL

REAP in Wealth Management, LLC

Carter Hatch is a financial advisor with REAP In Wealth Management, LLC, holding Series 63 and Series 66 designations and over 15 years of industry experience. His prior roles include positions at Clark Capital Management Group, Hanlon Investment Management, Northern Lights Distributors, Foreside Financial Services, and Private Client Services. REAP In Wealth Management provides fee-based wealth management and financial planning services to individual and high-net-worth clients, utilizing personalized consultations and a range of investment strategies including fundamental, technical, and cyclical analysis. The firm implements portfolios directly and through sub-advisors, offering retirement, estate, cash flow, and tax planning as part of its services.

General retirement planning
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