Financial Planning to Grow, Protect and Transfer Wealth for Affluent Clients in Puerto Rico.
For more than 40 years, our mission is to empower our clients to achieve their financial goals through personalized and comprehensive planning. We strive to provide objective and transparent advice, always acting in our client's best interests. By building long-term relationships based on trust and integrity, we aim to help our clients navigate life's financial challenges with confidence and peace of mind.
"Experience the difference of a boutique approach to financial planning".
We look forward to working with you through all stages of your life.
Retirement Plan Services
TPA & 3(16) Fiduciary
As 3(16) Fiduciaries our philosophy is a product agnostic approach tailored to the plan sponsor needs on a fiduciary capacity.
3(21) & 3(38) Fiduciary
Years of experience have prepared us to guide you through your life transitions.
Plan Design & Consulting
Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.
Investment Monitoring and Analysis
Want to learn more about retirement, social security, or estate strategies? We have a wealth of resources.
Wealth Management
Investment Management
We create strategies that are tailored to your needs and goals.
Retirement Planning
Years of experience have prepared us to guide you through your life transitions.
Financial Planning
Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.
Risk Management
We create strategies that are tailored to your needs and goals.
Estate Planning
Years of experience have prepared us to guide you through your life transitions.
Tax Planning
Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.
Helpful Content
When Life Insurance Becomes Taxable
Life insurance proceeds are generally tax-free. But not in all cases.
Financial Aid for Students 101
Help your college-bound child explore scholarships, grants, and more with this article on paying for higher education.
Tax Freedom Day
Assess how many days you'll work to pay your federal tax liability.
Errors and Omissions Insurance
E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction.
Does Your Portfolio Fit Your Retirement Lifestyle?
Lifestyle considerations in creating your retirement portfolio.
Directors and Officers Liability Insurance
Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.
Do Your Kids Know The Value of a Silver Spoon?
You taught them how to read and how to ride a bike, but have you taught your children how to manage money?
Deciding When to Take Social Security
One of the most common questions people ask about Social Security is when they should start taking benefits.
Does Your Child Need to File an Income Tax Return?
When your child has income, there’s a good chance that he or she will need to report it and pay taxes.
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Capital Gains Tax Estimator
Use this calculator to estimate your capital gains tax.
Potential Income from an IRA
Estimate your monthly and annual income from various IRA types.
Comparing Investments
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Taxable vs. Tax-Deferred Savings
Use this calculator to compare the future value of investments with different tax consequences.
Bi-Weekly Payments
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
A Look at Systematic Withdrawals
This calculator may help you estimate how long funds may last given regular withdrawals.
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Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
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The Real Cost of a Vacation Home
What if instead of buying that vacation home, you invested the money?
Bursting the Bubble
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
The Other Sure Thing
Though we don't like to think about it, all of us will make an exit sometime. Are you prepared?
Should You Tap Retirement Savings to Fund College?
There are three things to consider before dipping into retirement savings to pay for college.
Timing Your Retirement
This short video illustrates why knowing when to retire can be a crucial part of your strategy.