Meet: Bryant Rivera
I help professionals and families make smarter financial decisions with a clear, integrated plan. I call that Money con Propósito: making sure your money supports the life you actually want to build.
I’m a fee-only financial advisor providing financial planning and investment management. No commissions. No product sales. Just advice built around your goals, values, and real-life decisions.
Before becoming a financial planner, I worked as a software engineer building systems that had to work in the real world. That background shapes how I plan today: practical, organized, and focused on implementation, not unnecessary complexity.
I’m Puerto Rico-born and bilingual in English and Spanish. I especially enjoy helping people who want more clarity around cash flow, investing, tax-aware decisions, and planning between Puerto Rico and the mainland U.S.
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My Specializations
Bilingual Business Owners/Professionals and Families
I work best with people who want a clearer system for their money. Whether you are balancing family goals, saving, debt payoff, career growth, business growth, retirement planning, tax considerations, real estate investments, or major decisions, I help turn competing priorities into a practical next step.
U.S.–Puerto Rico Planning
For people living, working, investing, or planning a move between Puerto Rico and the mainland, I help think through the financial planning considerations, so decisions are made with the bigger picture in mind.
A More Personal Side
Outside of financial planning, I spend a lot of time doing things that keep me grounded and connected to what matters most. I own and operate a short-term rental, enjoy mountain biking and CrossFit, and love traveling and being outdoors with my fiancée, Adriana. I also deeply value time at the beach, visiting Puerto Rico, and being with family.
Real Estate Investor
I own and operate a short-term rental, which has given me firsthand experience with the operational side of real estate investing. I’m also an Airbnb Superhost, and the home is recognized as a top 5% home on Airbnb.
Mountain Biking
I enjoy mountain biking for the challenge, focus, and time outdoors.
Travel and Adventure
I love traveling and spending time outdoors with my fiancée, Adriana.
Puerto Rico and Family
I value time at the beach, visiting Puerto Rico, and being with family.
CrossFit
I enjoy CrossFit for the discipline, challenge, and consistency it builds.
My Fiduciary Oath:
When I provide financial advice in an advisory relationship, I commit to:
Put your interests first
Act with prudence—skill, care, and good judgment
Communicate clearly (no hidden assumptions, no jargon games)
Provide full and fair disclosure of relevant facts
Avoid conflicts when possible and fully disclose/manage any unavoidable conflicts in your favor
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We’ll talk through what you want help with, what’s happening now, what you want to be true in the next years, and how I can help you reach those goals.
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People who want structure and follow-through. You don’t need to be “good with money”, you just need to want a clear plan and be open to implementing it step by step.
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Yes. Virtual meetings work really well for planning, and most ongoing work happens digitally.
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Yes! English and Spanish.
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If you have them: your last tax return, recent pay stubs, and any account statements (401(k), IRA, brokerage, HSA, etc.). If you don’t have everything organized yet, that’s fine, we can start where you are.
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fee-only advisor is compensated directly by the client, not by selling financial products or receiving commissions from an outside company.
That matters because it can reduce conflicts of interest and make it easier to focus on advice that is aligned with your needs. It does not mean every advisor is the same, but it does mean the compensation structure is generally more straightforward and transparent.
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Yes. Financial planning is not only for people who already “have it all together” or have a large portfolio.
In many cases, planning can be especially valuable when you are still building. That is often when decisions around cash flow, debt payoff, savings priorities, benefits, and taxes can have a big long-term impact. You do not need to be wealthy to benefit from having a clear plan.
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Financial planning goes far beyond investment selection. It can include cash flow, savings strategy, retirement planning, tax planning, insurance analysis, employee benefits, debt decisions, major purchases, education planning, and more.
The goal is not just to manage accounts. The goal is to help you make smarter decisions across all the areas of your financial life so your money is supporting what matters most to you.
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You can absolutely do many parts of financial planning on your own. The real question is whether you want to figure everything out by yourself, keep up with all the moving pieces, and make sure your decisions actually work together.
A financial planner can help you organize the big picture, avoid costly blind spots, and make more intentional decisions with your money. For many people, the value is not just information. It is clarity, structure, accountability, and having a plan that connects to real life.
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Yes. You do not need to wait until everything is “perfect” before getting help.
In fact, many people reach out because they are trying to figure out how to balance debt payoff with saving, investing, and other goals. A good plan helps you prioritize those tradeoffs instead of treating every financial goal like it should happen all at once.
Frequently Asked Questions: