▪  25 + years Financial Industry Experience
▪  Directs Capstan’s long term strategic plan and helps to oversee practice's mission, vision & values
▪  Series 24, 7, 63, 65 Registrations, and Life, Health, Variable Annuity licenses

Matt DePalma has devoted his entire career to the field of financial services. A Florida resident for more than 44 years, his local market familiarity is joined by extensive experience doing what he loves. As Managing Partner, Matt is responsible for directing Capstan’s long term strategic plan and the execution of the strategies necessary to achieve the practice’s mission, vision and values.

In addition, Matt oversees Capstan’s business expansion opportunities, recruitment and hiring practices as well as the mentoring and professional development of our existing team members. He ensures that his leadership brings positive impact to the client experience, morale, administration, growth and integration of the practice as well as represents Capstan at key community events, industry conferences and practice functions.

His broad investment planning knowledge got its roots more than 27 years ago with Barnett Bank and saw him develop into one of the most accomplished investment professionals in the organization. Prior to forming Capstan, he most recently worked in Sarasota with Banc of America Investment Services, Inc. where he was again recognized for outstanding service to his client base. Matt’s passion is helping people with their finances which he’s done for more than two decades. He represents Capstan as a founding member of the Gulf Coast CEO Forum. Matt holds the Series 24, Series 7, Series 63, Series 65 registrations, and Life, Health and Variable Annuity licenses.

He currently resides in Sarasota with his wife Tia and two children, Shane and Matthew.

▪  30 + years Financial Industry Experience
▪  Portfolio Strategist & Technical Analyst
▪  Chartered Retirement Plan Counselor (CRPC^®)
▪  Accredited Domestic Partnership Advisor (ADPA^®)
▪  Five Star Wealth Manager (2012-2022)*

Carrie has spent approximately three decades within the financial services community. First with Boatmen's Bank in St. Louis, followed by PaineWebber/UBS, then Banc of America Investment Services and as a founding partner of Capstan, Carrie has consistently demonstrated her ability to deliver for her clients with persistent effort and diligent planning with a client-centered focus.

As a member of the Capstan Leadership Committee, Carrie develops and implements the practice's long-term strategic plan. Her day-to-day activities revolve around her responsibility for guiding Capstan's portfolio selection process through asset allocation, investment manager selection, technical and tactical analysis in addition to application of investment policies.

Carrie holds the Series 7, Series 63, Series 65 registrations and Life, Health, Long - Term care and Annuity licenses in addition to holding the Chartered Retirement Plan Counselor (CRPC^®) and Accredited Domestic Partnership Advisor^SM (ADPA^®) designations from the College of Financial Planning. She is a graduate of the University of Missouri-St. Louis with a Bachelor of Science in Finance degree. Carrie has previously sat on the IMG Foundation Board of Directors, and the Executive Board of Directors for ALSO, a local non-for-profit charity aiding youth in LGBTQ community and has completed the Sarasota Chamber of Commerce Leadership program in years past. Carrie joined the Sarasota community from St. Louis, MO 17 years ago to enjoy warmer weather and has built a home for she and her husband, step-daughters and rescued greyhounds, for which she has an immense passion.


_{Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.}

^{*2022 Five Star Wealth Manager (years 2012 to 2022)
The Five Star Wealth Manager award was issued on 10/1/22 by Five Star Professional (FSP) for the time period 01/31/2022 through 08/12/2022. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 603 Sarasota-area wealth managers were considered for the award; 67 (11% of candidates) were named 2022 Five Star Wealth Managers. Visit www.fivestarprofessional.com. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.
2021 - 613 Sarasota-area wealth managers were considered for the award; 51 (8% of candidates) were named Five Star Wealth Managers. 2020 - 579 Sarasota-area wealth managers were considered for the award, 49 (10% of candidates) were named Five Star Wealth Managers; 2019 - 602 Sarasota-area wealth managers were considered for the award; 60 (10% of candidates) were named Five Star Wealth Managers.  2018 - 626 Sarasota-area wealth managers were considered for the award; 52 (8% of candidates) were named Five Star Wealth Managers. 2017 - 434 Sarasota-area wealth managers were considered for the award; 40 (10% of candidates) were named Five Star Wealth Managers.  2016 - 464 Sarasota-area wealth managers were considered for the award; 96 (21% of candidates) were named Five Star Wealth Managers.  2015 - 602 Sarasota-area wealth managers were considered for the award; 112 (19% of candidates) were named Five Star Wealth Managers.  2014 - 849 Sarasota-area wealth managers were considered for the award; 146 (17% of candidates) were named Five Star Wealth Managers.  2013 - 652 Sarasota-area wealth managers were considered for the award; 141 (22% of candidates) were named Five Star Wealth Managers.  2012 - 530 Sarasota-area wealth managers were considered for the award; 149 (28% of candidates) were named Five Star Wealth Managers.}

• 20 years + Financial Industry Experience
• Chartered Retirement Planning Counselor
• B.S., Florida Southern College
• Specializes in working with Business Owners

• 30+ years of Financial Industry Experience
• B.A., Economics University of Florida
• Certified Financial Planner (CFP®) Certification
• Five Star Wealth Manager (2016-2021)*
• Holds Series 7, 66, 9, 10 Registrations & Life, Health, Variable Annuity licenses

Harry has been shaping the financial services industry on the Gulf Coast of Florida for over 3 decades and leads Capstan’s expansion into the Wellen Park area. Since joining A.G. Edwards in 1992, he has brought extensive experience to each client interaction and has created a new paradigm of personal service and attention to detail for his clients, his team, and his community. As a CERTIFIED FINANCIAL PLANNER™ professional, Harry dedicates his time and passion to helping clients plan for and strive to achieve, better outcomes in their financial lives. In addition to his leadership, he brings to Capstan his comprehensive knowledge in wealth management and investment planning as well as tax and estate planning strategies. This holistic approach to advising clients has earned him a selection as a Five star wealth manager for the last 7 years (2016-2021).

Giving back is a way of life for Harry. Over his 50 years of living on the Suncoast, he has served Little League Baseball in many capacities, The Elks Club and as Past President of Kiwanis. After being born on a Naval Base in Rhode Island, Harry cherishes all the outdoor activities that Southwest Florida can provide. He often can be found golfing, boating and spending time with his wife, children and grandchildren.   

^{This award was issued on October 1st, 2021 by Five Star Professional (FSP) for the time period January 31st, 2021 through October 1st, 2021. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award winners may pay for marketing tools, including this advertisement. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 613 Sarasota-area wealth managers were considered for the award; 51 (8% of candidates) were named 2021 Five Star Wealth Managers. 2020 - 579 Sarasota-area wealth managers were considered for the award, 49 (10% of candidates) were named Five Star Wealth Managers; 2019 - 602 Sarasota-area wealth managers were considered for the award; 60 (10% of candidates) were named Five Star Wealth Managers. 2018 - 626 Sarasota-area wealth managers were considered for the award; 52 (8% of candidates) were named Five Star Wealth Managers. 2017 - 434 Sarasota-area wealth managers were considered for the award; 40 (10% of candidates) were named Five Star Wealth Managers. 2016 - 464 Sarasota-area wealth managers were considered for the award; 96 (21% of candidates) were named Five Star Wealth Managers.}

• 13+ Years Financial Industry Experience
• B.A., Florida Gulf Coast University
• Holds Series 7, Series 66 Registrations, And Life, Health, Variable Annuity Insurance Licenses

• 15+ Years Financial Service Industry Experience
• B.S., University Of Florida
• PIM Portfolio Manager*
• Series 7, 66, Sie Registration And Life, Health & Variable Annuity Licenses

Nick’s passion for financial markets started at an early age. That passion, built with real world experience through the great recession of 2008, has given him a wide perspective when assisting clients in achieving their financial goals. He works tirelessly, focusing on helping clients create, preserve and transfer wealth, as well as plan for the future. Recognizing that everyone’s situation is unique, he utilizes a comprehensive and personalized approach to the investment planning process. Working closely with a client’s accountant, attorney and other professionals, Nick takes the position of a trusted advisor to design and implement strategies that help clients strive for peace of mind in their financial lives.

After earning a Bachelor’s degree in Economics from the University of Florida, Nick started his career as a Financial Advisor with Smith Barney in Venice Florida. While focusing on quality advice and client service, Nick’s entrepreneurial spirit took hold and in 2011, he created the Magero Financial Strategies Group at Wells Fargo Advisors to further customize clients’ experiences with his team. During his time there, Nick obtained the designation of PIM® Portfolio Manager. Only a small percentage of Financial Advisors have met the Private Investment Management program standards and are eligible to act as PIM® program Portfolio Managers. Financial Advisors granted the PIM Portfolio Manager designation must meet rigorous criteria and undergo advanced training. Forbes named Nick as one of their Top Next-Gen Wealth Advisors** for 2017, 2018, and 2019.

Away from the office, Nick enjoys spending his free time with his wife Stephanie and their cat Millie. An avid college football fan, he is a lifetime member of the UF Alumni Association. Go Gators! When not cheering on his favorite team, Nick can be found scuba diving, traveling, visiting Walt Disney World and practicing photography.

<sup>*The PIM program is not appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.

**The Forbes ranking algorithm based on industry experience, interviews, compliance records, assets under management, revenue and other criteria by SHOOK Research, LLC, which does not receive compensation from the advisors or their firms in exchange for placement on a ranking. Investment performance is not a criterion.</sup>

▪  9+ Years Financial Industry Experience
▪  Develops New Client Relationships
▪  B.S., Florida State University
▪  Series 7, 63, 65 Registrations, and Life, Health, Variable Annuity licenses

Jeff joined Capstan in 2013 as Assistant Vice President of Client Development. He specializes in retirement planning, asset preservation strategies, wealth transfer, insurance planning and other wealth management related services while working closely with each department of the firm. Jeff graduated from Florida State University where he obtained his Bachelor’s degree in Economics and currently holds the Series 7, Series 63 and Series 65 registrations. He also holds the Life, Heath and Variable Annuity license from the State of Florida.

As a member of the local community for more than 25 years, Jeff was raised in Sarasota having graduated from Sarasota High School in 2005. As Jeff continues to build relationships, he also supports Capstan’s retirement plan team; working closely with business owners and executives to help manage and implement both qualified and non-qualified retirement plans as well as working with individuals and families. Away from the office, Jeff enjoys the outdoors and coaching youth sports. He has been an integral part of managing the annual Symetra Golf Tournament’s Childrens clinic for Capstan which provides free golf lessons to the area’s youth.

^{Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states.}

▪  15+ years Financial Industry Experience
▪  Member of Capstan's Asset Allocation, Investment Management & Investment Policy Team
▪  Chartered Financial Analyst (CFA^®) designation


Kerry’s experience spans more than fifteen years and two continents. Initially with Ibbotson Associates which was purchased by Morningstar, she started her career in Chicago Illinois as an analyst. She quickly used her experience to secure an investment and analytics positions at Dimensional Fund Advisors followed by SunAmerica in Los Angeles. Most recently, Kerry was part of Harbourmaster Capital Management, now Blackstone, in Dublin, Ireland, where she was a member of the firm's investment committee and was responsible for institutional investments in over 25 companies.

Kerry has earned the Chartered Financial Analyst (CFA®) designation. For this designation, Kerry had to complete approved educational programs, pass rigorous examinations and meet stringent experience requirements. This help enable her to be an essential part of the portfolio management team at Capstan. Her focus is on investment research in addition to refining asset allocation and investment policies. She works hand in hand with our institutional investment resources and tirelessly brings their dynamics to each client’s portfolio construction process.

Kerry graduated with a Master of Business Administration Degree from University College Dublin, Michael Smurfit Graduate Business School in Dublin, Ireland, and a Bachelor of Business Administration from the University of Wisconsin-Madison.

Kerry is a dual US/Irish citizen who enjoys yoga and volunteering when she's not spending time with her husband John and twin boys.

▪ 5 + years of Service and Financial Industry Experience
▪ B.S., University of Central Florida
▪ Series 7, 66, Sie Registration and Life, Health & Variable Annuity Licenses

▪  15+ years Financial Industry Experience
▪  Directs practice’s marketing efforts
▪  Life, Health, Variable Annuity licenses
▪  Series 7 registration


Gala began her financial services career in 2008 as a Sales and Service Specialist with Bank of America. She was responsible for providing excellent client service and leading efforts for client retention within the branch network. At Capstan she spearheads the client-first mentality and oversees administrative responsibilities within the organization. As the Director of Marketing, Gala coordinates and prepares all marketing programs within the practice. In addition, as a licensed insurance professional, Gala also manages the Annuity, Life Insurance and Long Term Care Insurance processing at Capstan.

Gala moved to the United States in 2001 from Moscow, Russia. She enjoys reading, traveling and spending quality time with her family and friends. She resides in Sarasota and happy to call sunny Florida her home.

^{Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states.}

• 29+ years of Financial Industry Experience
• Series 7, 66 registrations

▪ 14+ years of Financial Service Industry Experience
▪ BS from Bryant University in Business Administration - Financial Services and Marketing
▪ Series 7, 63, 24, 53 Registrations

Working with both boutique and national companies, Heather has focused on bringing thought, leadership, and exceptional service to clients and her teams alike. Her career in the financial industry began in 2008 at Citizens Wealth Management where she quickly grew with the company in positions of client services, trading, and firm management. Working with John Hancock’s Compliance department as a Registered Principal and with Vimvest Securities as an Associate Director of Investment Services has further helped Heather bring to Capstan an attention to detail and emphasis on service excellence. She works alongside the Financial Advisors and the entire support team to execute the programs and procedures that keep Capstan moving forward.

Heather currently lives in Sarasota and when not in the office, she can be found spending time with family and friends enjoying volleyball and everything outdoors.

▪ 15+ years Financial Industry Experience
▪ Administers Account Operations and Asset Movement
▪ Bilingual - English & Spanish
▪ Supports Retirement Plan Participants

Dedication and working hard for clients is a way of life for Glenda. With over15 years of Financial Services industry experience she has thrived through the changes and challenges of such a complex business. Spending the majority of this time ensuring clients receive excellent service, she also helped process some of the most complex financial transactions in her branch with accuracy and efficiency. Even while volunteering at her local church, she shares her extensive knowledge by assisting with the budget committee, recording donations, coordinating payments and arranging special activities.

Born in Caguas, Puerto Rico, she often assists clients by sharing her knowledge of being bilingual in both English and Spanish. After spending29 years in the Brooklyn New York area, Glenda now calls North Port home for nearly 20 years. There she enjoys spending time with her husband and three daughters and pampering her miniature Schnauzer, Max.