Bryant Rivera | Bilingual Fee-Only Fiduciary Financial Planner

I work with individuals, families, and business owners across different stages of their financial lives, from those just starting their careers to those approaching or already enjoying retirement.

Whether you're building wealth, navigating major life transitions, preparing for retirement, or figuring out how to make your savings last throughout retirement, my goal is to help you make informed financial decisions with greater clarity and confidence.

What matters most isn't your age or how much money you've accumulated. I work best with people who value personalized guidance, are open to learning, and want to take an active role in their financial future.

You don't need to have everything figured out. Financial planning is a collaborative process, and we'll work together to turn your goals into actionable steps.

Not at all! Financial planning isn't just for people who have already accumulated significant wealth.

In fact, some of the most important financial decisions happen while you're still building wealth, such as managing student loans, choosing employee benefits, saving for a home, investing for retirement, or deciding how to use your growing income.

My financial planning fees are based on the complexity of your situation and the services you need, rather than simply how much money you have invested.

Financial planning goes well beyond managing investments.

Depending on your needs, we can address cash flow, debt management, retirement planning, investment strategies, tax planning considerations, employee benefits, insurance, education funding, estate planning considerations, and major financial decisions.

The goal is to connect the different parts of your financial life into one coordinated plan, rather than treating each decision in isolation.

Absolutely! As someone born and raised in Puerto Rico who later moved to the mainland, I understand how financial decisions can become more complicated when your life involves both places.

Whether you're planning to return to Puerto Rico, maintaining financial ties to the island, or exploring a future relocation, I can help you evaluate those decisions within your broader financial plan.

Certain tax and legal matters involving Puerto Rico and the mainland may require coordination with appropriately qualified professionals.

How much does financial planning cost?

My financial planning services are offered through an ongoing, flat-fee relationship, with fees based on the complexity of your financial situation and the level of support you need.

Rather than charging based solely on how much money you have invested, my approach focuses on providing comprehensive financial guidance, helping you implement recommendations, and supporting you as your financial life evolves.

During our complimentary discovery call, we'll discuss your goals, the challenges you're facing, and what working together could look like. I'll also explain the planning process, what services would be included, and the fees associated with your situation.

You'll have a clear understanding of the cost before making any commitment. There is no obligation to move forward after our initial conversation.

During your first year, we'll meet as often as necessary to develop your financial plan and work through its implementation. This typically means meeting about once a month, although the frequency depends on your needs.

Starting in your second year, we'll meet at least quarterly, with additional meetings whenever important decisions, opportunities, or life changes require attention.

Financial planning is an ongoing relationship, not just a series of scheduled meetings. description

Developing a financial plan is only part of the process. Putting it into action is where meaningful progress happens.

I'll help you understand your recommendations, prioritize next steps, and work through implementation decisions together.

Whether you're adjusting retirement contributions, organizing your savings, reviewing insurance options, or evaluating an important financial decision, my goal is to provide the guidance, structure, and accountability to help you move forward.

Financial planning is a collaborative process, and your participation plays an important role in making progress.

Tax considerations are an important part of financial planning. I incorporate tax-aware strategies when evaluating retirement savings, investments, employee benefits, and other financial decisions.

I do also offer tax return preparation and filing are separate services.

Tax preparation and filing start at $350, with pricing determined by the complexity of your tax situation.

These services are discussed and engaged separately from financial planning services provided through Fiduciary Financial Advisors.

Not necessarily.

Financial planning and investment management are related but distinct services. You can receive financial planning guidance without automatically having to transfer your existing investment accounts.

If investment management is appropriate for your situation and included in our engagement, we'll discuss the available options and any applicable account requirements before making changes.

As a fee-only financial advisor, I'm compensated through fees paid by clients, rather than commissions earned from selling financial products.

This compensation structure helps reduce certain conflicts of interest and allows me to focus on recommendations based on your financial situation and goals.

As a fiduciary when providing investment advisory services, I have an obligation to act in your best interest.

The goal is straightforward: transparent compensation and advice centered on you.

Absolutely! I work with clients virtually, making it possible to collaborate regardless of where you're located, subject to applicable service requirements.

I'm also fully bilingual in English and Spanish, so we can have our conversations in whichever language makes you most comfortable.

Financial decisions are personal, and I believe you should feel confident asking questions and understanding your options without language being a barrier.

Our complimentary consultation is an opportunity for us to get to know each other.

We'll discuss your financial goals, what's on your mind, the challenges you're facing, and what you're hoping to accomplish.

I'll also explain how my planning process works, what services might be appropriate, and what you can expect if we decide to work together.

You don't need to prepare financial documents for this first conversation. Just come ready to talk about what matters most to you.

If we decide to move forward, I'll guide you through the onboarding process and the information needed to get started.