Meet Our Team

The person who fails to plan, plans to fail. -Benjamin Franklin

Michael’s career began in 1992. His background includes working for brokerage firms, insurance companies, and other financial institutions. He has been successful as a financial advisor, wholesaler, and leader throughout his career by focusing on the needs of his clients. Michael assists members by helping them to develop a sound plan to pursue their financial hopes and dreams. By effectively using financial planning he has been able to assist members to retire successfully, to educate their children, and to pass assets efficiently to the next generation.

Michael has lived here in Florida since 1981. He attended the Florida State University and graduated with a B.S. in Economics. Upon graduation Michael began his career in financial services. He is married to his wife Sarah and is the proud father of three children.

Meet Tony, your local GTE Investment Group Advisor 

"My goal is to help our members make informed, educated decisions with regards to their investments and financial planning.”

Tony’s career in the investments industry began in 1987. He has withstood the fluctuations in the economy and financial markets using sound financial advice and guidance. Tony develops a plan of action based upon his clients' individual needs and goals. Tony has been supporting GTE Financial members since 2002 and holds a CERTIFIED FINANCIAL PLANNER™ certification.

A graduate of Towson State University near Baltimore, Tony relocated to the Tampa Bay area in 1991. He enjoys travelling, cruising and running with his wife Sue, as well as playing golf and fishing with his son, T.J.

Tony & the GTE Investment Group are here to help you!

In today’s economy, a lot of unpredictable things can happen. If you experience a career change, loss of a job or a loss of income, the GTE Investment Group is a resource you can count on. Tony Kowalski is your local GTE Investment Group Financial Advisor and is ready to assist you with any of your Retirement/Investment needs, including:

• Retirement Planning
• 401K Rollovers
• Pension Plan options
• IRAs
• Income Planning
• Life Insurance
• Estate Planning

To schedule a no cost, no obligation financial consultation with Tony Kowalski, call 813.414.6783 or email him at tony.kowalski@ceterais.com and someone follow up with you.

Meet Joe, your local GTE Investment Group Advisor

“My commitment is to provide a superior level of customer service by listening and addressing the specific needs, concerns and goals of each client.” – Joseph Dellutri

Joe began his career in the financial services industry in December of 2000. He credits his career success to developing and implementing long term buy and hold strategies that are tailored to a client’s needs and goals. Believing one is never too old to learn, Joe has furthered his financial acumen by achieving the Certified Financial Planner™, Chartered Life Underwriter, and Chartered Financial Consultant designations.

Born in New Jersey, Joe moved to the Tampa area in 1985.  He is a graduate of The University of Tampa, receiving his Bachelors of Science in Finance and Economics. He is a father of three, and a proud grandfather as well. He enjoys golfing and going to Disney with his wife Yvonne and the family.

Joe & the GTE Investment Group are here to help you!

In today’s economy, a lot of unpredictable things can happen. If you experience a career change, loss of a job or a loss of income, the GTE Investment Group is a resource you can count on. Joe Dellutri is your local GTE Investment Group Financial Advisor and is ready to assist you with any of your Retirement/Investment needs, including:

• Retirement Planning
• 401K Rollovers
• Pension Plan options
• IRAs
• Income Planning
• Life Insurance
• Estate Planning

To schedule a no cost, no obligation financial consultation with Joe Dellutri, call 813.414.6118 or email him at joseph.dellutri@ceterais.com.

Jarrett began his career in the financial services industry in March of 1997. His background includes brokerage firms, insurance companies, and has been in the bank channel since 2012. He has helped members identify their goals and helped them create a plan to reach those goals through the use of needs based financial planning.

He has lived in Florida since 1987 and currently resides in Hernando County with his wife Rachael, who is a 2^nd grade teacher. They have three children, one adult and two teenagers. In his free time, he enjoys cooking and learning new recipes, music, a good book, and is an avid runner.

Meet Michelle, your local GTE Investment Group Wealth Manager

“I find that by taking a holistic approach through listening and building relationships I am better equipped to help  individuals, families, and businesses through their ever evolving and changing financial journey.” – Michelle Tolmoff

Michelle began her career in the financial services industry in 2004. She credits her career success to taking the time to get to know her clients and understand the complexities of their individual situation before making recommendations and then communicating regularly to ensure there are no changes and everything is on track.

Born in Connecticut, she moved to the Tampa Bay area in 2014 and has been with GTE Investment Group ever since.  She is a graduate of the University of Hartford, receiving her Bachelors of Science in Economics and Finance. Michelle also received an MBA from University of Phoenix. She is a mother of 2, and a proud stepmother as well. She enjoys traveling and road trips with her family.

In today’s economy, a lot of unpredictable things can happen. If you experience a financial change: job, retirement, marital, family, or business GTE Investment Group  is a resource you can count on. Michelle Tolmoff is your local GTE Investment Group Financial Advisor and is ready to assist you with any of your Wealth Management needs, including:

• Retirement Planning
• 401K Rollovers
• Pension Plan options
• IRAs
• Social Security
• RMD and Distribution Assistance
• Income Planning
• Long Term Care Insurance
• Inheritance and Settlement Guidance
• Divorce/QDRO
• Help Navigating Secure Act 2.0
• Estate Planning
• Wealth Transfer
• Life Insurance
• Tax Efficiency
• Relocation/New Resident State
• College Savings Options
• Business Owners
  • Succession Planning
  • Retirement Plans (401k, Simple, SEP)
  • Employee Education
  • Buy/Sell Agreements
  • Key Employee Life Insurance

To schedule a no cost, no obligation financial consultation with Michelle Tolmoff, call 813.414.6152 or email her at michelle.tolmoff@ceterais.com . Available in person at the GTE Financial centers in Sarasota, Lakewood Ranch, Riverview, Plant City, North Lakeland, and Lakeland. Some early mornings, late evenings, and Saturdays virtually or by phone. Schedule Meeting  

Lauren began her career in the investments industry in 2007. She worked at T. Rowe Price as a Retirement Specialist for 7 years. She has been with GTE Investment Group since January 2014. She worked as a Registered Sales Assistant for 7 years and then transitioned to her current role, Manager of Registered Sales & Service, in January 2020. Lauren was promoted to the Wealth & CUSO Operations Manager in December 2022, and will be supporting GTE Investment Group, GTE Insurance, GTE Private Banking and GTE Title. 

Lauren grew up in Massachusetts and relocated to Tampa in 2002 where she went on to graduate from University of Tampa. She enjoys travelling, dining out all around Tampa Bay, and going to the beach.

Lauren & the GTE Investment Group are here to help you!

Reggie began his career in the investment industry with Franklin Templeton as a Shareholder Services Representative. He also spent 15 years in various roles at Western Reserve Life Insurance, as a Relations Specialist at Transamerica Financial Advisors and a Client Services Representative at ProVise Management Group.

Reggie most recently joined GTE Investment Group in January 2021 in his current role as a Sales Assistant.

Reggie is a native Floridian where he graduated from the University of South Florida. He spends his free time as a member of a Tampa Bay community Mens choir, volunteers at a couple of local community theatres and the Tampa Bay Humane Society.

Darius began his career in the financial service industry in October of 2014. He specializes in financial planning, investments, and retirement planning.  Darius always ensures that he gets to know each client and understand their specific financial needs which allows him to provide tailored advice on the best way to build wealth. He strongly believes in client education so that they can have peace of mind and confidence in their financial decisions.

Darius was born and raised in Charlotte, NC and relocated to Tampa in 2017. He enjoys an active lifestyle with outdoor activities such as sports, working out, swimming, and snowboarding.

Darius & the GTE Investment Group are here to help you!

In today’s economy, a lot of unpredictable things can happen. If you experience a career change, loss of a job or a loss of income, the GTE Investment Group is a resource you can count on. Darius Harrison is your local GTE Investment Group Financial Advisor and is ready to assist you with any of your Retirement/Investment needs, including:

• Retirement Planning
• 401K Rollovers
• Pension Plan options
• IRAs
• Income Planning
• Life Insurance
• Estate Planning

To schedule a no cost, no obligation financial consultation with Darius Harrison, call 813.414.6117 or email him at darius.harrison@ceterais.com.