Our Team

Our Team

Rick Tonkinson, MBA, MPA, CFP®, CLU, AIF®


Rick is the founder and president of Tonkinson Financial. He has been a CERTIFIED FINANCIAL PLANNER™ professional since 1991 and has more than 25 years of experience in wealth management. Rick is a former Peace Corps volunteer in Colombia, where he met his wife, Margarita, and 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. He has also been active in the community for more than 40 years and supports more than 40 charities. To learn more about how Rick gives back, please visit the Giving Back page. 

Steven Tonkinson, CFP®, AIF®, CFS®

Managing Director

Steven is the son of Rick and Margarita and is the managing director of the firm. He is a CERTIFIED FINANCIAL PLANNER™ professional, an Accredited Investment Fiduciary®, and a Certified Fund Specialist®. Steven has more than 15 years of experience in retirement and financial planning, wealth management, portfolio asset allocation, compliance, and guiding clients through major life transitions. He holds FINRA Series 6, 7, 24, 63, and 66 securities registrations. Steven earned his BS in accounting with a minor in economics from the University of Florida, where he was a 4-year recipient of the Florida Academic Undergraduate Full Scholarship.

Steven is a response team member (SRT) with the disaster relief charity ShelterBox (www.ShelterBoxUSA.org). He is a mentor and coaches standup paddle board and track and field for Special Olympics Florida (www.SpecialOlympicsFlorida.org). He is also an active member of the Friends of the Underline Young Professional Organization (www.TheUnderline.org). To learn more about how Steven gives back, please visit the Giving Back page.

Steven is an Eagle Scout and has completed an Ironman triathlon and several marathons. He is an avid kite boarder and snowboarder. 

Margarita Tonkinson, MPA

Senior Advisor

Margarita has worked with Rick to build the family business for more than 25 years. She is the strategic coach of the firm. Margarita has extensive experience in administration, office restructuring, and reorganization. She has been instrumental in the growth of the business from its first 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. To learn more about how Margarita gives back, please visit the Giving Back page.

Kristina Shamonina, CFP®

Advisor and Office Manager

Kristina has been the office manager since 2005, and in 2016 she became an advisor with Tonkinson Financial. Kristina first came to Miami in 1997 as a Rotary Ambassadorial Scholar from Kamchatka, Russia, and met Rick and Margarita through her host Rotary Club. Kristina has been a CERTIFIED FINANCIAL PLANNER™ professional since 2014. She holds the FINRA Series 7 and 66 securities registrations. Kristina is a magna cum laude graduate of Florida International University. At Tonkinson Financial, she manages customer service and daily client accounts operations. Kristina has been part of the Tonkinson family since 1999.

Tom Saul

Investment Analyst and Co-Portfolio Manager

Tom began his career with Tonkinson Financial in June 2010 as an intern and now serves as the firm’s analyst. His numerous tasks have continually expanded with internal reports and being an integral part of our investment research, risk management, and monitoring of our investment portfolios. He holds Series FINRA 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 the Level I examination of the Chartered Financial Analyst® program in 2015. 

Gabriela "Gabby" Russell

Office Assistant

Gabby joined the Tonkinson Financial team in April 2011. As a member of the team, Gabby's main role is to assist on a multitude of tasks including customer-based services. Gabby is also a graduate of Florida International University where she earned a bachelor's degree in psychology. She is currently studying to obtain her FINRA Series 6 — Investment Company and Variable Contracts Products securities registration. Gabby is very active in her church and enjoys spending time with her family.


Official Greeter

Baloo is a chocolate Labrador hailing from Citra, Florida, and is Steven's loyal companion. He is responsible for the warm, home-felt greeting clients receive when they visit our office. Baloo has been a part of the Tonkinson family since 2010. He is affectionate, very energetic, and loves getting treats. Baloo really enjoys playing fetch and going through your garbage can when he knows you're not looking.