Scott Tober

Partner & Managing Director


Carl Obeso

Managing Partner



Edwin Rivadeneira

Partner & Director of Operations



Scott Tober is a financial coach whose lifetime mandate is to serve others to the betterment of their lives and the enrichment of his. He has been in the financial arena for over twenty-four years, servicing thousands of clients and building lasting relationships.


Scott has served as a BNI chapter president and is a Rotarian. He has volunteered as a mentor and job coach for Jobs Partnership Florida, as well as a board member and financial liason for Summit Charter School in Maitland. He worked for Great Western Financial Securities and Barnett Securities before starting his own companies.


Scott is very involved in the educational arena, serving as a student mentor and is an active Partner in Education in the Orange, Osceola, and Seminole County School Systems. He has received numerous awards and recognition from schools in these districts for his hands on involvement, which includes being chosen as a finalist for Partner of the Year in Orange County in 2008 and 2009.


Scott graduated with a B.S.B.A. in Finance from the University of Central Florida, an A.S. in business from Valencia Community College, and he is currently completing certification for the Certified Financial Planner designation. He holds and has held various licenses, including Florida Life, Health, Variable Annuities, and Legal Expense licenses, Georgia Life and Health licenses, and Series 7 and Series 63 licenses.


Scott lives with his wife Maxine in Lake Mary, Florida. His son Philip is currently attending Stetson Law School in St. Petersburg. Scott spends his leisure time volunteering for churches and charities with his wife, competing in triathlons, weight training, reading, and playing with

the family dog Samantha.




Carl Obeso began his financial planning career in 1991 when he joined the ranks of Paine Weber. In 1994 he accepted a position as premier banker, brokerage business division from Great Western Bank. From there he spent 13 years with Bank of America where he quickly moved up the ranks becoming Vice –President of Investments.


Knowing the limitations of the bank’s portfolio and in need of additional financial solutions for his elite clientele, Carl decided to test entrepreneurship. In 2003 he began his tenure as an independent Financial Advisor.  In 2007 he joined a long time co-worker and best friend from Great Western Bank. Together they developed a financial engineering program to maximize clients’ return on investments without exposing them to the risks and uncertainties of today’s financial markets.  Carl often asks

his clients  “How much of your retirement do you want to guarantee?” Carl then shows them how to guarantee 100% of their retirement plan.


Carl has held series 7, 63, 65, and life insurance licenses since 1991.  In 1988 Carl completed his undergraduate studies with emphasis in Economics and International Business studies at Florida State University. He then attended Michigan State University where in 1990 he completed a post graduate degree in Economics and International Affairs. 

Carl resides in Apopka with his wife Carla of thirteen years he has lived in Apopka for the last 16 years.

Carl has volunteered in programs  enabling and teaching those in need to find employment and has a passion to serve those that are less fortunate in numerous venues. He is a true believer that it is better to give than to receive and in the process we are all winners.



Edwin Rivadeneira’s success comes from a firm commitment to his faith and the ministry of helping others. He believes in creating true value for people by never making one-sided deals. Edwin believes success only comes when you pursue the relationship not the sale. If you build trust the sale will follow.


Over the past 18 Years, Edwin has built several very successful businesses.  He now coaches "Best Business Practices" and "Business by Referral" to fellow business owners through his membership in Business Network International, the world’s largest networking organization.  Edwin loves the thrill of the sale and is addicted to the adrenalin it produces. He loves public speaking and coaching his “outside the box” techniques to develop one’s ability to smell the deal.


His ability to deliver service and value well above customer expectations makes Edwin’s business grow without the benefit of advertisement. 90% of his new accounts come from qualified referrals by satisfied customers. What a tribute to his hard work and ability to provide service that stands out!


Edwin Rivadeneira is a graduate from Hunter College of the City University of New York with a Bachelor’s degree in Sociology and a minor in Economics. He is a former owner of Elite Examiners, Inc., NJ Exams, Inc., PR Exams, Inc., Amigos Network Enterprise, Inc. and Cellular Centers Plus LLC.



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