Our Management Team

Educational Background and Business Experience

EDMUNDO J. GARZA, Chief Executive Officer and President of CONSULTIVA, is a seasoned Senior Institutional Investment Management Consultant. He 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, Mr. Garza provided services to insurance companies, local credit unions, universities and individuals. In 1998, Mr. 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.

Mr. Garza is an Honors Graduate of the University of Puerto Rico where he received his Bachelor 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.

Mr. 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), and he is a Registered Investment Advisor Representative (Series 65).

Educational Background and Business Experience

EVAGENLINE DÁVILA is the Chief Research and Investments Officer and Lead Investment Advisor of CONSULTIVA. She 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 Investment Strategy Group conducts all asset allocation analysis, implementation of investment strategies, portfolio analysis, and portfolio rebalancing. She also oversees all data integration procedures for CONSULTIVA’s 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 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

As the firms CCO, Mrs. Torres will be responsible for the management of Consultiva Wealth Management’s compliance program. Mrs. Torres has worked with Consultiva as Assistant Compliance Officer, assisting the former Chief Compliance Officer in all day to day support functions for the ongoing implementation of the firm’s compliance program since 2012.

Prior to being named the CCO, Mrs. Torres was consecutively the Managing Director of Administration where she supported the work of the CEO and President, focusing on the establishment and optimization of the day to day operations of Consultiva, including assuring cohesive interaction among all Consultiva’s working groups and implementation of key projects.

Mrs. Torres’ previous positions held in Consultiva included Chief Operations Officer, Chief of Staff, Technical Analyst, Operations Representative and Executive Assistant. Mrs. Torres has been at the Firm since its founding in 1999.

Mrs. Torres holds a bachelor’s degree in Office Administration from the University of Puerto Rico and is currently working on her Chief Compliance Officer Certification.

EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE

As Office Manager Mr. Delgado is responsible for focusing on the establishment and optimization of the day to day operations of Consultiva assuring cohesive interaction among all Consultiva’s working groups. Mr. Delgado will organize and coordinate office administration and procedures, in order to ensure organizational effectiveness, efficiency and safety. He is also responsible for developing intra-office communication protocols, streamlining administrative procedures, inventory control, office staff supervision and task delegation.

Mr. Delgado was previously the Retirement Plans Operations Manager where he was responsible for structuring team efficiency, consistent with the needs of our internal and external client with a primary focus on the Retirement Plans Staff. Mr. Delgado was also the Disaster Recovery Officer of Consultiva.

Prior to Consultiva, Mr. Delgado worked in the Beauty Industry as Salon Manager for thirteen years and Business Owner for five years.

Mr. Delgado has studies leading to a Bachelor Degree in Psychology of the Interamerican University of Puerto Rico.

EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE

Angel De Jesús Retirement Plans Manager of Consultiva Wealth Management Corp. He joined Consultiva in 2013.

Mr. De Jesús is responsible for the development and administration of retirement plans qualified under the Internal Revenue Code of Puerto Rico.

Mr. De Jesus has an approximate 25 years of experience in the Puerto Rico’s banking business specifically in the Trust department area. From 1986 to 1996 he worked as an administrative officer at the Trust Department of Banco Central Hispano in charge of personal, institutional and retirement plan accounts. In 1996 started to work for the Trust Department of Citibank and in 1999 was designated as Trust Officer in charge of the Trust operations. In 2002 was designated as the Trust Officer for Doral Bank where the core business of the department was the institutional retirement plans for Puerto Rico firms. In 2008 he worked for a local TPA firm as a Compliance Officer for individuals and institutional retirement plans.

He is an alumni from the University of North Carolina Charlotte with a bachelor degree in Business Administration with a major in Finance.