Meet: Bryant Rivera

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  • I help busy professionals and families bring purpose to their money, so your finances stop feeling like a pile of separate decisions and start working together toward the life you actually want.

    I’m a fee-only advisor, and I provide financial planning and investment management: no commissions, no product sales.

    I’m an engineer-turned financial planner. Before transitioning into planning, I worked as a software engineer, building systems that had to work in the real world, not just on paper. That approach shapes how I plan: clarity over complexity, simple systems over willpower, and decisions grounded in what matters most to you.

    I’m Puerto Rico–born and bilingual, and part of my mission is to make high-quality financial guidance more accessible, especially for the Latino community, without the shame, jargon, or “one-size-fits-all” advice.

    Latino households make up a big and growing part of the U.S., but they’re still underrepresented in financial planning. CFP Board’s self-reported data shows about 2.8% of CFP® professionals identify as Hispanic/Latino. And among CFP® professionals who list their languages, about 93% list only English—Spanish is the most common second language among the small multilingual group.

  • Purpose isn’t a motivational phrase, it’s a filter for decisions.

    It means we get clear on:

    • what you want your money to do for you (freedom, family, security, impact, optionality)

    • what you want to stop spending time and stress on

    • what tradeoffs you’re willing (and not willing) to make

    Then we build a plan that turns that into action.

  • You can expect a process that’s practical and structured:

    • Define the priorities (what you’re optimizing for)

    • Build the plan

    • Create the system (automation + guardrails + accountability)

    • Review and adjust as life changes

    • Cash flow and “where should the next dollar go?”

    • Investment strategy + behavior guardrails (so you don’t sabotage your own plan)

    • Tax-aware planning and decision support around big choices

    • Retirement planning and long-term goal mapping

    • Planning around real estate and uneven income (when relevant)

    • U.S.–Puerto Rico cross-border planning (planning considerations for people living, working, or moving between PR and the mainland)

My Fiduciary Oath:

When I provide financial advice in an advisory relationship, I commit to:

  1. Put your interests first

  1. Act with prudence—skill, care, and good judgment

  2. Communicate clearly (no hidden assumptions, no jargon games)

  3. Provide full and fair disclosure of relevant facts

  4. Avoid conflicts when possible and fully disclose/manage any unavoidable conflicts in your favor

Frequently Asked Questions

  • 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.

  • 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.

  • Yes. Virtual meetings work really well for planning, and most ongoing work happens digitally.

  • Yes! English and Spanish.

  • 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.