Our Team

Rick is the founder and president of Tonkinson Financial. He has been a CERTIFIED FINANCIAL PLANNER™ professional since 1991 and has more than 30 years of experience in wealth management. Rick is a former Peace Corps volunteer in Colombia, where he met his wife, Margarita, and where their son, Steven, was born. Rick grew up with a strong work ethic and learned the value of a dollar ever since his first job as a paperboy at 12. He studied at night school to earn an MBA and an MPA with a specialization in budgets from the University of Miami. Rick specializes in helping clients achieve financial security through practical and comprehensive personalized financial plans. His passion is to provide middle-class investors with a level of service that is not available anywhere else.

Rick has also been active in the community for more than 40 years and supports more than 30 charities. To learn more about how Rick gives back, please visit the Giving Back page. He is chairman of the Dean’s Leadership Advisory Board for FIU School of Communication, Architecture and The Arts (CARTA) and treasurer for the Diabetes Research Institute National Board. Rick is also a board member for the FIU Foundation, The Woody Foundation, and The Tonkinson Foundation.

In his free time, Rick enjoys traveling across the U.S. and abroad with Margarita and learning the history. They reside in Pinecrest.

Margarita has worked with Rick to build the family business for more than 30 years. Margarita has extensive experience in administration, office restructuring and reorganization. She has been instrumental in the growth of the business from its early stages. Margarita earned an MPA from the University of Miami. She was a Fulbright Scholar to Germany in 1992 and helped chip down the Berlin Wall. Margarita is also very committed to several charities. She serves as a member for the Rotary Club of Coral Gables Scholarship Committee, a board of director of the Deering Estate, co-chair of the University of Miami Library, and is the executive director of The Tonkinson Foundation. To learn more about how Margarita gives back, please visit the Giving Back page.

First starting as an intern in June 2010, Tom has evolved into his current role as an advisor, investment analyst and co-portfolio manager. He is instrumental in building our investment models and specializes in investment research, portfolio asset allocation and financial markets analysis. He is responsible for developing many of the internal software systems and infrastructure critical for the daily operations of the investment management team.

He holds the FINRA Series 6, 7, and 66 securities registrations. Tom is a graduate of the University of Miami, where he earned a bachelor's degree in Business Administration and Finance. He successfully passed Level I & II examinations of the Chartered Financial Analyst^® program and is working towards completing level III. 

Tom’s biggest joy is spending time with his wife and two young daughters. He is involved with his temple’s young professional group, is an avid car enthusiast and skilled baker.

Tonkinson Financial welcomed Ryan in 2022, prior to joining us he worked in the insurance industry for six years. A native of Miami, Ryan lives with his wife Diana; their family is eagerly awaiting the arrival of a baby girl this fall. As a graduate of Miami Dade College, Ryan earned his associate degree in economics and is currently studying theology with minor in philosophy from Franciscan University of Steubenville. Together with his wife, they are active volunteers at their local church. Ryan is an enthusiast of cars, cigars, boots, and watches.