Richard Tonkinson is a CFP®-certified financial advisor with Commonwealth Financial Network, based in Miami, FL. He has 35 years of industry experience and has been with Commonwealth since 2011. Tonkinson is also president and part-owner of the Tonkinson Foundation, Inc., a family foundation focused on charitable donations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base. The firm provides various managed account programs, access to third-party asset managers, and comprehensive back-office support while offering a wide range of investment products.

Kristina Shamonina is a financial advisor with Commonwealth Financial Network in Miami, FL, holding CFP® and ChFC® designations and 18 years of industry experience. She has been with Commonwealth since 2011 and also works with Rick Tonkinson & Associates. Outside of her advisory role, she is involved in fixed insurance sales conducted under the name Tonkinson Financial. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and technology services, allowing advisors discretion to construct portfolios from diverse securities and insurance products.

Steven Tonkinson is a CFP® professional with 23 years of industry experience, currently serving with Commonwealth Financial Network since 2011. He is also co-owner of Tonkinson Financial, a financial advisory firm he has operated since 2007. Tonkinson serves as treasurer and part-owner of The Tonkinson Foundation, a family foundation focused on charitable donations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 affiliated advisors. The firm offers a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and a range of investment options tailored to client goals and risk tolerance.