Our Advisors and Associates

Educational Background and Business Experience

MYRNA M. RIVERA, Founder and Senior Investment Advisor of Consultiva since 1999, has over 30 years of experience in the field of investment management consulting. She is a Certified Investment Management Analyst (“CIMA® “), Ms. Rivera is a recognized pioneer in the industry, having contributed to developing standard investment management practices employed today for middle market endowments and foundations, pension funds, insurance companies, credit unions, Taft Hartley Benefit plans and individuals and families.

Ms. Rivera has received several recognitions for her leadership in financial services, including the John Ellis Excellence Award for her tenure in institutional investment consulting at Smith Barney and its predecessors, the Joyce Johnson Award of the National Association of Securities Professionals (www.nasphq.org), for her contribution to the advancement of women and minorities in financial services, and the Highest Leaf Award from the Women’s Venture Fund of New York, for entrepreneurial excellence (www.wvf-ny.org). She has twice been awarded Consultant of the Year by Opal Financial Group’s Emerging Manager Summit. Ms. Rivera appears in the “Top 100 Influential Hispanics” of the Hispanic Business Magazine (www.hispanicbusiness.com) and Wealth Management’s roster of Top Women-owned RIAs from 2013-2016 (www.wealthmanagement.com/ top-women-owned-rias-2013-2016). In 2020, the Chamber of Commerce awarded him the Zenit Award, for her career in the field of Financial Services.

Ms. Rivera is a graduate of the University of Puerto Rico where she received a bachelor’s degree in mathematics. She is also a graduate of Lehman College of the City University of New York where she received a master’s degree in Mathematics.

Ms. Rivera is registered with FINRA as a General Securities Representative (Series 7), a General Securities Principal (Series 24), a Registered Representative (Series 63) and a Securities Agent and she is an Investment Advisor Representative (Series 66).

Educational Background and Business Experience

DR. EDMUNDO J. GARZA, Vice Chairman of Institutional Services & Senior Investment Advisor. Dr. Garza is a seasoned Senior Institutional Investment Management Consultant who joined Consultiva in 2000. He started his professional career in 1990 as financial advisor and planner, and thereafter, he managed the Office of Actuarial Studies and Investments of the Puerto Rico Government Employees and Judiciary Retirement Systems. For three years, as a deputy administrator, he supervised and reorganized the System’s $900 million investment program and worked closely with the System’s consultants and investment managers.

As financial advisor, Dr. Garza provided services to insurance companies, local credit unions, universities, and individuals. In 1998, Dr. Garza was appointed Investment Manager of the Trust Division of Banco Popular de Puerto Rico, where he supervised investment procedures and oversaw the purchase and sale of securities for over 400 clients. He was also responsible for the developing financial consulting services for the Bank’s institutional clients, as well as servicing client retirement plans, personal trusts, custodian, and escrow accounts.

Dr. Garza is an Honors Graduate of the University of Puerto Rico where he received his bachelor’s degree in applied mathematics and a master’s degree in Finance. Since 1988, he has been Professor at the Interamerican University of Puerto Rico Graduate School of Business Administration, where he has taught numerous courses in Finance and Investments for nearly two decades. He also holds a Doctorate in Finance, from the Swiss Management Center University.

Dr. Garza is registered with FINRA as a General Securities Representative (Series 7), a Financial Operations Principal (Series 28), a Municipals Principal (Series 53), Futures Commodities (Series 3), a General Securities Principal (Series 24), Uniform Securities Agent State Law Examination (Series 63) and he is a Registered Investment Advisor Representative (Series 65).

Educational Background and Business Experience

EVANGELINE DÁVILA, CIMA™ is the Chief Research and Investments Manager and Investment Advisor of CONSULTIVA. Ms. Dávila joined CONSULTIVA in 2000. She is a Certified Investment Management Analyst (“CIMA® “) and a member of the Investment Management Consultants Association (IMCA).

Ms. Dávila is the Chair of CONSULTIVA’s Investment Strategy Committee. She coordinates all internal and external resources for conducting Capital Markets and Investment Management research. Under her guidance, the CONSULTIVA’s Performance Reporting Team conducts asset allocation analysis, implementation of investment strategies, portfolio analysis, and portfolio rebalancing. She also supports data integration procedures for ongoing client reporting protocols, including performance measurement and attribution analysis.

Ms. Dávila has over twenty years of experience in the financial services industry. She is a graduate of Florida International University with a bachelor’s degree in business administration and a major in Finance. She attained IMCA’s CIMA® accreditation at the University of California (Berkeley) – Haas School of Business in 2006 and is a Registered Investment Advisor Representative (series 65 license). Ms. Dávila has also attended courses in Project Management.

Educational Background and Business Experience

CARLOS MACHUCA joined Consultiva in 2007 as an Investment Advisor. His previous employer was MassMutual; He began working at MassMutual in 2002 as an investment and insurance strategist. While working for MassMutual he provided financial planning services, including insurance products. He has extensive experience in tax advantaged investing.

Mr. Machuca is graduated from Polytechnic University of Puerto Rico with a bachelor’s degree in electrical engineering. He received an MBA in Finance and Investments from the Interamerican University of Puerto Rico. He has a post-baccalaureate in Artificial Intelligence from the University of Pittsburgh, in Pennsylvania. In addition to his securities and insurance licenses he maintains the educational standard by taking multiple courses in finance, insurance, employee benefits, tax, estate, and asset protection, as well as retirement planning and ethics. In addition, Mr. Machuca obtained his Certification in Long Term Care (CLTC®).

Mr. Machuca is registered with FINRA as a General Securities Representative (Series 7) and he is a Registered Investment Advisor Representative (Series 65).

EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE

ÁNGEL DE JESÚS, Asociado de Servicio al Cliente – Planes de Retiro de Consultiva Wealth Management Corp. Angel de Jesús se unió a Consultiva en 2013. El Sr. De Jesús es responsable de apoyar al Asesor en el desarrollo, implementación y servicio de planes de jubilación en Puerto Rico y Estados Unidos. Adicionalmente es responsable de la educación inicial y continua, mediante charlas grupales e individuales a los participantes de los planes.

Tiene más de 25 años de experiencia en el negocio bancario de Puerto Rico, específicamente en el área del departamento de Fideicomisos. De 1986 a 1996 trabajó como oficial administrativo en el Departamento de Fideicomisos del Banco Central Hispano a cargo de las cuentas personales, institucionales y de planes de jubilación. En 1996 comenzó a trabajar para el Departamento de Fideicomisos de Citibank y en 1999 fue designado como Oficial de Fideicomiso. En 2002 fue designado como el Oficial de Fideicomiso para Doral Bank, donde el negocio principal del departamento eran los planes de retiro institucionales para las empresas de Puerto Rico. En 2008 trabajó para una firma local de TPA como Oficial de Cumplimiento para planes de retiro de individuo e institucionales.

EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE

PEDRO VAILLANT, Retirement Plans Associate of Consultiva Wealth Management. Mr. Vaillant is responsible for supporting the Advisor in the development, implementation, and service of retirement plans in Puerto Rico and the United States. Additionally, he is responsible for initial and continuing education, through group and individual talks to the participants of the plans.

Mr. Vaillant joined Consultiva in 2001 and has more than 15 years in positions related to the service of qualified retirement plans. He graduated from the University of Phoenix, in Guaynabo, Puerto Rico where he completed a Master of Business Administration (MBA). He received recognition from the International Business Honor Society and has been elected a Member of the Delta Mu Delta, Lambda Sigma Chapter, University of Phoenix. Mr. Vaillant has a BBA from the University of Puerto Rico, Humacao campus with a concentration in Human Resources and an Associate Degree in Business with an emphasis in Management.

In July 2021, he completed an online program certificate in Project Management on the campus of the University of Phoenix, Arizona.

EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE

DANIEL I. RODRÍGUEZ is an Investment Advisor of Consultiva Wealth Management Corp. He joined Consultiva as a Junior Investment Adviser Representative in 2020. He is proud to serve Consultiva’s clients by assisting them with selecting the most appropriate investment strategies in line with their financial goals.

Mr. Rodríguez was formerly a Financial Adviser for Mutual of Omaha where he was initially registered as an Investment Adviser (Series 65) and insurance agent of Puerto Rico.

Mr. Rodríguez is a graduate of the Inter American University of Puerto Rico where he received a bachelor’s degree in Natural Sciences and an MBA with specialization in finance in 2020.

Mr. Rodríguez is registered with FINRA as a General Securities Representative (Series 7), has the Uniform Securities Agent State Law Examination (Series 63) and is a Registered Investment Advisor Representative (Series 65).