Our Team

Tim Cebulko

President/Partner

Tim received a Bachelors of Science degree in Finance from Illinois State University in 1985, and a Masters of Business Administration from Bradley University, Peoria, Illinois, in 1987. He was awarded the designation of Chartered Financial Analyst (CFA) in 1991, and the designation of Certified Financial Planner (CFP) in 2004. Tim also graduated from the American Banker’s Association National Graduate Trust School, held at Northwestern University, in 1994. Mr. Cebulko worked at Jefferson Trust and Savings Bank/Bank One in Peoria, Illinois from 1985 to 1988. He then worked at SunTrust Bank in Orlando as a Vice-President and Senior Portfolio Manager from 1988 to 1996. Tim then worked at First Union/Wachovia Bank in Jacksonville, Florida as a Vice-President and Senior Portfolio Manager from 1996 until leaving to form St. Nicholas Private Asset Management in 2004. Tim currently serves as an equity analyst, a market strategist, and a Senior Portfolio Manager.

Allen Witham

Sr. Vice President/Partner

Allen received a Bachelors of Science degree in Finance from Indiana University in 1969. He graduated from the South Carolina Trust School, and was awarded the designation of Certified Financial Trust Advisor (CTFA) in 1998. Mr. Witham has worked at Atlantic National/First Union/Wachovia Bank in Jacksonville, Florida as a Senior Vice-President and Senior Trust Advisor from 1976 until leaving to form St. Nicholas Private Asset Management in 2004. Allen currently serves as our chief Relationship Manager and Personal Trust and Estate Advisor. Allen’s many years of experience in the Trust Investment industry also allows him to provide valuable input on market strategy and investment approach and evaluation.

Karen Bent

Karen Bent Trust Services, Inc.

Karen has been in the trust arena since 1979. She worked as a Trust Officer and Relationship Manager at Citizens National Bank and SunTrust from 1979 to 2002. Karen then worked at The Trust Company of Florida, which later became Whitney National Bank until leaving in 2007 to form Karen Bent Trust Services.  Karen works with St. Nicholas Private Asset Management as an agent providing administrative services, and works with St. Nicholas clients who live in the in the Lake County market. Karen graduated from Florida Trust School in 1981 and was awarded the designation of Certified Trust & Financial Advisor (CTFA) in 1992.