Our Network of Professionals

Investment Adviser Osprey Florida



Dennis Makarewicz - dennis@fscmllc.com

Chartered Financial Consultant, CHFC 
Chartered Advisor for Senior Living, CASL


Dennis Makarewicz was born and raised in Detroit, Michigan.  He attended the Henry Ford College in Dearborn Michigan and received his Chartered Financial consultant designation from the American College, Bryn Mawr, PA. Dennis lived in the Bahamas from 1968 to 1975 where he was employed as an International Real Estate Consultant with Intercontinental Realty Ltd. and the Grand Bahama Development Corp. Ltd.  He moved to Florida in 1975 to expand his investment knowledge and joined American Express Financial Advisors.


He enjoyed a rewarding career at American Express for 20 years where he worked with his high net worth clients.  During that time, he received every award and honor possible and was one of the top 100 Financial Planners in America, culminating with his Hall of Fame Award.  This prestigious honor has been awarded to less than one hundred advisors over the company's one hundred year history.  For over 37 years, Dennis has provided financial services ranging from real estate to portfolio management.


In 1995, Dennis formed First Security Financial Advisors Incorporated as an independent money management firm.  The company was formally changed to First Security Capital Management, LLC in 2008 to better reflect the mission of the firm: "Capital Management".


Todd Heath-Hazlett - Toddheath_hazlett@fscmllc.com

Investment Advisor Representative, IAR

Todd works closely with Dennis, as well as Kristina, in all facets of management and client service.  Todd brings with him a wealth of management experience, starting from a registered principal at Securities America in 2001 to Chief Executive Officer of Todd Wealth Management with offices in Pittsburgh, PA, San Luis Obispo, CA and Delray Beach, FL.

Todd attended Grove City College in Grove City, Pennsylvania, where his major was finance.

On a personal level Todd has many interests.  Travel (roughly 40 countries), yoga, hockey, art and history are among his passions.  He is also active within several charities which include Eastern European Outreach and a group that provides Christmas gifts to children of disabled vets in his native Pittsburgh.  He has also sponsored and visited two children in Medellin, Colombia for more than a decade.  He is looking forward to working with First Security to help clients achieve their long term goals.





Kristina M. Garbade - kristina@fscmllc.com 

Office Manager


Kristina Garbade, the smiling voice that you first hear when you call or see upon entering our organization, is FSCM's office manager.  She supports our group by acting as a liaison between our clients, other professionals and broker dealer.  With over 15 years of experience in the financial industry, Kristina excels in personalized client service. 


Her experience has provided her with extensive knowledge of several major institutions back office systems and procedures, giving her the ability to avoid bottlenecks while resolving service requests quickly.  FSCM clients greatly benefit from Kristina's experience and dedication.



Meet Our Advisory Board



What is First Security Capital Management's Advisory Board?  This advisory board is a volunteer group of industry professionals who regularly meet to benefit from open discussions on ideas and trends.  Topics typically involve investments, asset management and protection, estate planning, taxes, economics, domestic and international news, as well as much, much more.

We'd like to take this opportunity to introduce you to some members of First Security Capital Management's Advisory Board:  Mark Smith, CPA of Smith & Waggoner, CPAs, PA as well as Joe Garbade, RTRP, IACCP of Tax Center. 




Mark Smith began his career as an accountant with the Law Firm Holland & Knight LLP.  His career progressed from Staff Accountant to Controller of various companies.  Mark's experience encompasses the entire business cycle.  Mark focuses his practice on new entities, start-ups, and taxation for businesses and individuals.

Mark earned a Bachelor's and Master's degree from the University of Central Florida.  Mark became a Certified Public Accountant in 2000.  Mark is active in the Venice Area Chamber of Commerce service as prior Chair of the Venice Area Young Professionals.  He is also a member of the Venice Family YMCA Advisory Board.  He coaches various sports for the local YMCA.


Income Tax Preparation Osprey

Joe Garbade contributes with independent and objective guidance in regulatory compliance and operational efficiency.   Mr. Garbade's extensive background with investments, regulatory compliance and operations for investment advisors includes certification as an Investment Advisor Certified Compliance Professional (IACCP), Financial Industry Regulatory Authority (FINRA) chairman and panel member arbitration training, Uniform Combine State Law Examination, and FINRA principal examinations in financial operations, general ecurities, municipal securities, and options.

Mr. Garbade also owns and operates Tax Center, providing a straightforward approach to income tax preparation and personalized bookkeeping services. Joe earned a Bachelor's degree in accounting and completed the Registered Tax Return Preparer (RTRP) requirements.

Joe is active in the community serving as Vice Chair of the Venice Chamber of Commerce Member Events Committee, member of Sarasota County Technical Institute's Business Technology Education Advisory Committee, and President of the Venice Area Toastmasters.​

  • Although Antonio M. Regueiro was born in Madrid, Spain he had the opportunity to reside in the US during various times in his career. A graduate of the University of Madrid, with a degree in Biology, Antonio became Assistant Professor of Botany before pursuing a career in the Spanish National Research Council as Head Curator, Royal Botanic Garden Madrid. His next career was in private industry, working as a Landscape Architect specializing in the design of Botanic Gardens and residential developments.

    Antonio became interested in the financial markets during a long stay in the United Kingdom from where he managed his own portfolio with fledgling Internet tools. Since then, he has become a keen observer of the European financial scene and has excellent contacts in the Spanish political establishment, particularly in the pharmaceutical and real estate sectors.

    He is married with three children and he lives near Madrid. He has traveled extensively, particularly under sail. As a keen sailor, he is the only Spanish member of the exclusive Royal Cruising Club of London and has crossed the Atlantic 9 times under sail and twice under power. He has cruised the Mediterranean, the West Indies, the English Channel, the North Sea, the Baltic and French Polynesia.

  • We look forward to a long relationship with our entire group of professionals.

The above information is provided solely for convenience purposes and is not intended as an endorsement of services provided. Members of the Advisory Board are not affiliated or owned by First Security Capital Management.  Services provided by the Advisory Board are distinct and separate from those of First Security Capital Management.