ENGAGE Wealth Advisors

Luis Rivera, the founder and CEO, leads the investment committee alongside the firm's internal portfolio management team. The firm emphasizes a collaborative structure where portfolio construction includes input from in-house CPA and legal professionals, reflecting a multi-disciplinary approach rather than a single CIO-led model.

ENGAGE was built around an integrated attorney-CPA-and-advisor service model, which means estate planning and tax compliance are handled in-house rather than outsourced to external professionals. This hybrid structure is rare in the RIA channel, where most firms maintain a strict separation between investment advisory, legal, and accounting services. For Puerto Rico-based families with exposure to both IRS and local Hacienda tax rules, that integration can materially affect after-tax portfolio returns.

ENGAGE has developed specific expertise in portfolio construction for individuals and businesses operating under Puerto Rico's export-services and individual investor tax incentive programs. The firm manages taxable and tax-exempt fixed-income allocations with attention to compliance requirements, structuring portfolios that accommodate the income-sourcing and residency rules these incentives require, alongside standard US tax considerations for mainland-sourced income.

No. ENGAGE is a fee-only RIA and does not manufacture or distribute proprietary investment products. The firm constructs client portfolios using third-party custodians and open-architecture investment vehicles, including individual securities, ETFs, mutual funds, interval funds, and private placement structures. This separates the advisory function from any product-manufacturing conflict.

The firm is multi-custodial, working primarily with Fidelity Institutional and Charles Schwab's custody platform. Fixed-income execution and special situations outside the standard custodial framework are run through separate brokerage relationships, giving the firm flexibility in sourcing individual bonds and bespoke credit exposures.

The client base is heavily concentrated among business owners, professionals, and multi-generational families in the San Juan metropolitan area. The firm does not operate a mass-affluent retail practice; its multi-disciplinary tax-and-legal service model targets clients with complex estate-planning needs and cross-jurisdictional tax exposure, which naturally limits the pool to higher-net-worth households.

No. ENGAGE was founded as a breakaway from UBS by Luis and Wendy Rivera and has remained independent since inception. The firm has not been acquired by a roll-up or private-equity-backed aggregator, and it does not operate as a franchise within a larger advisory network. It is a fully autonomous, privately held practice.