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Chambers Financial Group 

Affiliated with LPL Financial

We love what we do and our team is committed to our clients.

With regards to service, we utilize a collaborative approach to deliver the personalized attention you deserve. Each team member strives to improve professionally on a daily and ongoing basis. 

Our goal is to provide professional and independent top-notch wealth management advice, education, and service.

Learn more about our backgrounds and qualifications by clicking on the photos below.

Curtis W. Chambers Photo
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Curtis W. Chambers

Founder and Registered Representative, LPL Financial

Curtis W. Chambers is a financial advisor in the Largo area community.

Curtis practices values based planning, with guidance based on customized goals.


For over two decades, Curt's focus has been planning and investment management for families, retirees, and small businesses.


Curtis founded the independent firm Chambers Financial Group in 2009 to provide wealth management centered upon personalized advice.

Curtis began his career as a financial advisor in 1997 with Edward Jones. He managed the Clearwater office on Belleair Road for twelve years. 

Curtis is a Director's Club advisor* with LPL Financial. He is a Registered Representative.

*Based on annual production.


  • Master of Business Administration (MBA) from the Olin Business School at Washington University in St. Louis.

  • Bachelor of Arts in English, Cum Laude, and PHI BETA KAPPA from the University of Arkansas.

  • CERTIFIED FINANCIAL PLANNER™ practitioner through the CFP Board of Standards since 2006.


Curtis has been quoted in the Wall Street Journal, "On the Importance of Emergency Funds," NBC News, "6 signs that you are ready to retire early," and Men's Health magazine, "A Wealth Plan for Every Man," and others.

Mr. Chambers produces a Vlog for his clients and the public. See his Vlog here.


Curtis serves on the Board of the Community Service Foundation in Clearwater. He is past President of St Patrick School PTO and is on the school's Advisory Council. He is a past Board Member of the Largo Rotary Club and the Largo Chamber of Commerce.

Curtis served in the Florida Army National Guard.

Curtis lives with his wife and sons in Largo.

At Taylor Park in Largo

Mount Rushmore in 2014

Thomas Barnhorn Photo
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Thomas Barnhorn

Registered Representative, LPL Financial

Thomas M. Barnhorn has served Seminole and Pinellas County as a financial advisor since 2004 and, has over 16 years of experience in the financial industry.

Thom offers objective financial advice designed to lead clients more efficiently towards long-term financial stability through strategies tailored toward each client's individual needs. Thom is a Registered Representative with LPL Financial.

Thom is an Accredited Asset Management Specialist (AAMS) through the College for Financial Planning. Thom specializes in financial planning, retirement planning, portfolio reviews & analysis.


He earned a B.S. in Finance and Information Systems Management from the University of South Florida, St Petersburg.

Thom is committed to public service and has served on the City of Seminole City Council as a Councilor since 2006.

Thom has served on the following Boards and Committees:

Boards and Committees
FLC Finance, Taxation & Personnel Committee
NLC Finance, Administration and Intergovernmental Relations (FAIR) Steering Committee
NLC Small Cities Steering Committee
Former Eighth District Director of Florida League of Cities
Past President of Suncoast League of Cities
Past Chairman Lions Eye Institute for Transplant & Research, Inc
Past Director USF Alumni Association
Past President Seminole Lions
Past President Seminole Business Masters
Past President LBN
Past Faithful Navigator Knights of Columbus
Former Member of the Seminole Music in the Park Committee

Thom lives in Seminole with his wife, Rayma. He has a daughter and two grandchildren.


Heather Chambers Photo
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Heather Chambers

Project Specialist

Heather joined Chambers Financial Group in March 2009. She has over two decades of administrative experience in the financial services industry.

Prior to joining Chambers Financial Group, Heather held client relationship positions at Franklin Templeton Investments and Edward Jones. Heather is a graduate of Florida State University in Tallahassee.

You may notice the same last name. Curtis and Heather worked together for 8 years at the Edward Jones office Curtis managed on Belleair road before getting married in 2006. They now have two children, Logan and Tanner.

Outside of her work at Chambers Financial Group, Heather is a busy mother and is in the St Patrick's School PTO.

Cathy Ralston Photo
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Cathy Ralston

Office Administrator

An English Major with a degree from the University of Connecticut, Cathy is experienced in the Administrative, Customer Service, Account Management, and Purchasing areas.  

Her experience was gained in ten plus years of service with Sikorsky Aircraft and ten plus years with Omega Engineering.  After moving to Florida, Cathy is excited to be at Chambers Financial Group where she looks forward to meeting and working our clients.