We help you align your money, your habits, and your vision for the future.
A different kind of Financial Firm
Our approach is rooted in Behavioral Finance.
We help clients make better financial decisions by aligning strategy with behavior... preparing for the future, not predicting it.
Over 70 years of shared expertise in Financial Planing, Investments, and Risk Management
A team of experts in investments, insurance, tax planning, and retirement planning.
A deep understanding of the differences in tax and estate laws between the United States and Puerto Rico.
Our Advisors
Jorge González, BFA
Co-Founder | Partner | Investment Advisor Representative
Jorge specializes in helping clients align their financial decisions with their goals and values. He holds the designation of Behavioral Financial Advisor; also, FINRA Series 7, and Series 66 registrations. With a background in behavioral finance and a focus on comprehensive planning, Jorge is dedicated to helping families and professionals prepare—not predict—their financial future.
Luis Pérez, FSCP, BFA
Co-Founder | Partner | Investment Advisor Representative
Luis is co-founder of CWM. He holds a Financial Services Certified Professional (FSCP), and Behavioral Financial Advisor (BFA) designation. Also, FINRA Series 7 and 66 registrations. With over 14 years of experience in the financial services industry, he specializes in retirement income and Social Security strategies, helping clients create sustainable, goal-based plans for their future.
José Alicea, MBA
Investment Director
José serves as Investment Director at Caribbean Wealth Management and brings a global perspective to portfolio design and investment strategy. He holds an MBA in International Business and FINRA Series 7 and 66 registrations. With a disciplined, research-driven approach, José focuses on helping clients navigate complex markets with clarity and confidence.
Our Support Staff
Guillermo González
Client Services Representative
Guillermo oversees Client Services and Operations at Caribbean Wealth Management, ensuring that each client experience is seamless and efficient. With a strong background in process management and a Six Sigma Black Belt certification in progress, Guillermo is dedicated to continuous improvement and operational excellence in every aspect of client support.
Yesenia Rivera
Client Services Representative - Investments
Yesenia is part of the Client Support Team at Caribbean Wealth Management, where she assists with account maintenance, service requests, and client onboarding. Her dedication to responsiveness and accuracy helps ensure that each client’s needs are handled efficiently and with care.
Laura Pagán
Client Services Representative
Laura is a key member of the Operations and Marketing Team at Caribbean Wealth Management, where she supports both client service initiatives and brand communications. Known for her kind disposition and creative approach, she helps ensure that the firm’s operations and outreach reflect the same care and professionalism shown to every client.
Our Services
Financial Planning is a continuous process.
We monitor your progress and review key areas such as cash flow, investments, insurance, taxes, and estate planning, making adjustments as your life and goals evolve. Our ongoing relationship help ensure that your plan remains relevant, resilient, and responsive to change.
Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.
Invest with confidence.
Our investment planning process begins with understanding your goals, time horizon, and comfort with risk. Using a disciplined, top-down approach, we design portfolios that reflect your objectives while adapting to changing market conditions. We emphasize diversification, active risk management, and behavioral awareness to help you stay focused on long-term success.
Income replacement is the name of the game
We help you turn your savings and benefits into a reliable, tax-efficient income stream designed to last throughout retirement. Our process includes a detailed analysis of your assets, spending needs, and timing of income sources—especially Social Security, which often serves as the foundation of retirement income. We help you determine the optimal time to claim benefits and how to integrate them with your other income sources for maximum efficiency and longevity. The result is a personalized plan that helps you enjoy retirement with confidence, knowing your income strategy is built to adapt to changing markets, health, and economic conditions.
Understand what you have and what you need.
Our insurance consultations evaluate existing policies for efficiency, coverage, and cost, ensuring your protection strategy aligns with your overall financial plan. Whether it’s life, disability, or long-term care insurance, we provide objective guidance to help you protect what matters most.
Education is an investment.
We help families create smart strategies to fund education without compromising other priorities. From 529 plans to custodial accounts and tax-efficient savings strategies, we evaluate the best options for your situation and build a plan that balances growth potential with flexibility and control.
Informed clients make better decisions.
Our seminars provide valuable insights on topics like retirement readiness, investment behavior, and debt management; empowering professionals, families, and organizations to make confident financial choices. Each session is designed to educate, engage, and inspire action toward financial well-being.
Our Values
We pursue education and expertise in everything we do.
We are passionate about what we do
Understanding the impact of our work on people's lives gives us the energy to fulfill the mission.
We understand that you can go fast alone, but we can go far together.
We are empathetic towards each person's circumstances
We adapt to new circumstances
Those who don't adapt, don't survive.
Please check the background of your financial professionals on FINRA's BrokerCheck (http://brokercheck.finra.org).
The content is developed from sources believed to provide accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.
Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC (www.sipc.org). Caribbean Wealth Management is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. 273 Ponce de Leon Avenue, Suite 1400, San Juan, PR 00917. 787-758-2244 ext. 5218
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