# Caroline Cziesla

> Caroline Cziesla is a fee-only financial advisor at American Dream in St. Petersburg, Florida, who holds the CFP credential. American Dream reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/caroline-cziesla/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** American Dream
- **Based in:** St. Petersburg, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $8K across 2 accounts
- **Credentials:** CFP
- **CRD:** 3206386 (https://adviserinfo.sec.gov/individual/summary/3206386)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (1999), Series 65 (2015)
- **Firm size:** 1 employee
- **Disclosures:** None reported

## Frequently asked questions

### Is Caroline Cziesla a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Caroline holds no broker registration, and American Dream reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Caroline charge for financial advice?

Caroline's firm, American Dream, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Caroline Cziesla based?

Caroline Cziesla is based in St. Petersburg, Florida.

### What credentials does Caroline Cziesla hold?

Caroline Cziesla holds the CFP credential.

### Is Caroline Cziesla registered with the SEC?

Yes. Caroline Cziesla is registered as an investment adviser representative in FL (CRD 3206386), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does American Dream manage?

American Dream reports $8K across 2 accounts in assets under management.

### How do I contact Caroline Cziesla?

Contact details aren't on file yet. Search for American Dream.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3206386): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.