Your business. Your family. Your goals.

A comprehensive plan.

Aguayo, Serrallés & Cabán - Team Picture

At times, the complexity of today’s global economy may feel overwhelming. Whether you’re a working professional who is building wealth, a successful executive or business owner contemplating your next act, or the head of a multigenerational family looking to preserve your family’s future—you have questions. You expect clear answers from an advisor with worldwide experience who understands you, your family and your community.

Our highly credentialed team offers the thoughtful perspective and proactive service your family needs to help meet their goals. With a team of advisors spanning decades of experience, we strive, relentlessly, to make sure you feel well taken care of. By putting financial planning at the core of everything we do, we offer the capabilities to help you, your business and your family unlock opportunity, preserve wealth and create continuity.

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Collective knowledge, complementary experience

We have guided clients through the complex world events and financial disruptions that have characterized the past two decades, so you can feel confident that we have the experience to help you navigate what may lie ahead. Our collective input is delivered personally to you through our team, so you can develop a consistent, long-term relationship with us.

Xavier A. Aguayo, CPWA, CEPA

Senior Vice President–Wealth Management

Financial Advisor
View bio
- CA
- DC
- FL
- GA
- IL
- IN
- MA
- MD
- MI
- MN
- NC
- NJ
- NV
- NY
- OH
- PA
- PR
- SC
- VA
- VI
Xavier helps wealthy individuals and families develop strategies designed to enhance their standard of living and optimize their financial lives. He takes an educational approach with his clients to emphasize the importance of detailed and coordinated financial planning. Xavier’s recommendations are always the result of a consultative process, where he listens carefully to learn about each client’s goals, needs and priorities before developing a plan. As a Corporate Stock Benefits Consultant, he has specific knowledge regarding compensation issues for executives and can provide strategic advice to these clients.

Xavier has worked in the wealth management industry since 1997 and has been with UBS since 2002. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63 and 65 licenses, as well as life insurance and variable annuity licenses. Xavier has also earned the Certified Private Wealth Advisor and Certified Exit Planning Advisor designations. Xavier graduated from Marquette University with a B.A. in economics.

Xavier is a dedicated family man and spends his free time traveling, practicing the violin and planning his next family adventure. He has a profound desire to be a valuable member of the Puerto Rico community and enjoys being involved in local arts, music and education organizations.
250 Munoz Rivera Avenue
A.I Plaza, PH Floor
San Juan, PR 00918
William J. Serralles

Senior Vice President–Wealth Management

Financial Advisor
View bio
- CA
- DC
- FL
- GA
- IL
- IN
- MA
- MD
- MI
- MN
- NC
- NV
- NY
- OH
- PR
- SC
- VA
- VI
William works with successful individuals, families and corporations to develop integrated planning strategies focused on their financial well-being. He is particularly skillful in building strong client relationships and communicating complex financial concepts clearly. William’s background in equities and his experience working on Wall Street have enhanced his knowledge of risk management and, as a Corporate Stock Benefits Consultant, he offers an informed perspective and recommendations to executives regarding compensation issues.

William has more than 30 years of wealth management experience and joined UBS in 1998. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63 and 65 licenses, as well as life insurance and variable annuity licenses. William earned a B.A. in finance and economics from the Catholic University of America in Washington, D.C.

William’s top priority in life is spending time with his family. His passion and what he would call a “serious hobby” is music and music production. William and his wife are very conscious about the social issues that abound in Puerto Rico and believe the best way they can make a difference is by contributing to children’s education, health and empowerment initiatives, because children hold the key to the future.
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Eduardo E. Cabán, CIMA

Senior Vice President–Wealth Management

Private Wealth Advisor
View bio
- AR
- CA
- FL
- GA
- IL
- MA
- MD
- MI
- NC
- NJ
- NY
- OH
- PA
- PR
- SC
- TX
- VA
- VI
Eduardo brings a consultative approach to learning about his clients’ needs and developing financial plans and portfolio strategies to support them. Prior to becoming a Financial Advisor, he was a key member of the UBS Consulting Division, serving a large array of institutional and individual ultra-high-net-worth clients with portfolio construction and asset management requirements.

Eduardo has more than 20 years of wealth management experience and joined UBS in 2007. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63, 65 and 24 licenses, as well as life insurance and variable annuity licenses. Eduardo has earned the Certified Investment Management Analyst designation, and, within the firm, he has achieved the Private Wealth Advisor designation offered at UBS. Eduardo graduated from the University of Puerto Rico with a B.A. in finance.

In his personal time, Eduardo’s priority is spending time with his family, including his two young boys. He also loves to explore the culinary side of life and cook with friends and family. In addition, Eduardo is an active member of the Alumni Association of his school and leads fundraising efforts for scholarships, as he believes education is the backbone of a society.
- Private Wealth Advisor
- Certified Investment Management Analyst®
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Alanna Maldonado

Client Associate
View bio
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Lissette Diaz

Senior Wealth Strategy Associate
View bio
- FL
- IL
- MI
- NJ
- NY
- PR
- TN
- TX
- VA
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Olga Carbia

Client Associate
View bio
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

Vicente Castillo

Senior Vice President–Wealth Management

Financial Advisor
View bio
- FL
- GA
- NC
- NJ
- NY
- PR
- TX
- VA
Vicente is an aligned team member of the Aguayo, Serrallés & Cabán Wealth Advisor Group.

He enjoys working with individual and corporate clients by helping them work toward their investment needs and goals. His background in fixed income and equities gives him the tools to help clients select suitable money managers that align with their objectives.

Vicente has more than 39 years of wealth management experience and joined UBS (Paine Webber) in 1983. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63 and 65 licenses, as well as life insurance and variable annuity licenses. He earned a B.A. from the University of Puerto Rico and an M.B.A. from Interamerican University.

Vicente is a vintage car enthusiast. In his free time, he enjoys cultural events and traveling around the world.
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

Xavier A. Aguayo, CPWA, CEPA

Senior Vice President–Wealth Management

Financial Advisor
View bio
- CA
- DC
- FL
- GA
- IL
- IN
- MA
- MD
- MI
- MN
- NC
- NJ
- NV
- NY
- OH
- PA
- PR
- SC
- VA
- VI
Xavier helps wealthy individuals and families develop strategies designed to enhance their standard of living and optimize their financial lives. He takes an educational approach with his clients to emphasize the importance of detailed and coordinated financial planning. Xavier’s recommendations are always the result of a consultative process, where he listens carefully to learn about each client’s goals, needs and priorities before developing a plan. As a Corporate Stock Benefits Consultant, he has specific knowledge regarding compensation issues for executives and can provide strategic advice to these clients.

Xavier has worked in the wealth management industry since 1997 and has been with UBS since 2002. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63 and 65 licenses, as well as life insurance and variable annuity licenses. Xavier has also earned the Certified Private Wealth Advisor and Certified Exit Planning Advisor designations. Xavier graduated from Marquette University with a B.A. in economics.

Xavier is a dedicated family man and spends his free time traveling, practicing the violin and planning his next family adventure. He has a profound desire to be a valuable member of the Puerto Rico community and enjoys being involved in local arts, music and education organizations.
250 Munoz Rivera Avenue
A.I Plaza, PH Floor
San Juan, PR 00918
William J. Serralles

Senior Vice President–Wealth Management

Financial Advisor
View bio
- CA
- DC
- FL
- GA
- IL
- IN
- MA
- MD
- MI
- MN
- NC
- NV
- NY
- OH
- PR
- SC
- VA
- VI
William works with successful individuals, families and corporations to develop integrated planning strategies focused on their financial well-being. He is particularly skillful in building strong client relationships and communicating complex financial concepts clearly. William’s background in equities and his experience working on Wall Street have enhanced his knowledge of risk management and, as a Corporate Stock Benefits Consultant, he offers an informed perspective and recommendations to executives regarding compensation issues.

William has more than 30 years of wealth management experience and joined UBS in 1998. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63 and 65 licenses, as well as life insurance and variable annuity licenses. William earned a B.A. in finance and economics from the Catholic University of America in Washington, D.C.

William’s top priority in life is spending time with his family. His passion and what he would call a “serious hobby” is music and music production. William and his wife are very conscious about the social issues that abound in Puerto Rico and believe the best way they can make a difference is by contributing to children’s education, health and empowerment initiatives, because children hold the key to the future.
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Eduardo E. Cabán, CIMA

Senior Vice President–Wealth Management

Private Wealth Advisor
View bio
- AR
- CA
- FL
- GA
- IL
- MA
- MD
- MI
- NC
- NJ
- NY
- OH
- PA
- PR
- SC
- TX
- VA
- VI
Eduardo brings a consultative approach to learning about his clients’ needs and developing financial plans and portfolio strategies to support them. Prior to becoming a Financial Advisor, he was a key member of the UBS Consulting Division, serving a large array of institutional and individual ultra-high-net-worth clients with portfolio construction and asset management requirements.

Eduardo has more than 20 years of wealth management experience and joined UBS in 2007. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63, 65 and 24 licenses, as well as life insurance and variable annuity licenses. Eduardo has earned the Certified Investment Management Analyst designation, and, within the firm, he has achieved the Private Wealth Advisor designation offered at UBS. Eduardo graduated from the University of Puerto Rico with a B.A. in finance.

In his personal time, Eduardo’s priority is spending time with his family, including his two young boys. He also loves to explore the culinary side of life and cook with friends and family. In addition, Eduardo is an active member of the Alumni Association of his school and leads fundraising efforts for scholarships, as he believes education is the backbone of a society.
- Private Wealth Advisor
- Certified Investment Management Analyst®
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Alanna Maldonado

Client Associate
View bio
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Lissette Diaz

Senior Wealth Strategy Associate
View bio
- FL
- IL
- MI
- NJ
- NY
- PR
- TN
- TX
- VA
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Olga Carbia

Client Associate
View bio
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918
Vicente Castillo

Senior Vice President–Wealth Management

Financial Advisor
View bio
- FL
- GA
- NC
- NJ
- NY
- PR
- TX
- VA
Vicente is an aligned team member of the Aguayo, Serrallés & Cabán Wealth Advisor Group.

He enjoys working with individual and corporate clients by helping them work toward their investment needs and goals. His background in fixed income and equities gives him the tools to help clients select suitable money managers that align with their objectives.

Vicente has more than 39 years of wealth management experience and joined UBS (Paine Webber) in 1983. He is a FINRA-Registered General Securities Representative and holds the FINRA Series 7, 63 and 65 licenses, as well as life insurance and variable annuity licenses. He earned a B.A. from the University of Puerto Rico and an M.B.A. from Interamerican University.

Vicente is a vintage car enthusiast. In his free time, he enjoys cultural events and traveling around the world.
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

Connecting you to the deep resources of UBS

By seeing the big picture, we provide access to the global platforms and the financial and intellectual strengths of UBS’s experts in Wealth Management, Asset Management and our Private and Investment Banks.

Wealth, from your point of view

What’s really important to you—today and for the long term? Our approach starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

_{Time frames may vary. Strategies are subject to individual client goals, objectives and suitability. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment.}

Portfolio management

Keeping abreast of the ever-changing global economy and world capital markets is more than a full-time job, particularly in the current environment. The Portfolio Management Program affords us a uniquely effective format with which to manage your invested assets needs on a fully discretionary basis. Our experience tells us that the pitfalls may best be avoided, and the opportunities maximized, through the adoption of a specific, definite and feasible plan in which all available investment options are exhaustively researched and then exploited with the disciplined approach PMP offers.

Estate planning strategies

Retirement readiness

For your retirement or your company retirement plan

Approaching or entering retirement, you may fear the possibility of outliving your savings. Or you may be responsible for optimizing an increasingly complex employer-sponsored plan. We can help ease your concerns by providing custom strategies that focus on meeting the ever-growing income needs for a retirement that may last 30 years or more.

Ready to roll over? Approaching retirement or in times of career transition, you need practical 401(k) rollover solutions that are specific to your needs. We can help evaluate your distribution options and assist you in making investment decisions that could help manage taxes while addressing your broader financial and retirement goals.

Retirement income planning. Focusing on retirement income planning, our team can work with you to develop planning strategies that help preserve your lifestyle and livelihood in retirement. Our strategies can help ease concerns about how long you will need to draw your funds in retirement, preparing for unexpected expenses and maintaining your independence.

Long-term care. With longevity increasing and healthcare costs rising, long-term care may have a significant impact on your finances. Long-term care should be a key part of a comprehensive financial and retirement plan. We’ll help develop strategies that can help prepare you for future care while keeping your financial goals on track.

Helping you optimize your corporate plan. We help organizations design, implement and monitor the investment programs of their 401(k), defined benefit and nonqualified plans. We will help you evaluate indicators of plan health, maintain the most competitive cost structures, formalize investment committee decision-making and manage regulatory requirements.

Family offices

Tailored advice for our clients

Share it well

Discussing and dividing wealth across generations

Even though high net worth investors have made strides over the last eight years with estate planning, they worry about the financial and familial discord that can accompany wealth transfer.

How to help inflation-proof your retirement

Start by building a strategy that addresses longevity

Inflation lowers the purchasing power of your dollars in retirement. So, how can you be sure you’ll have enough? Let’s help you build a strategy for longevity that helps you have the retirement you want.

Backed by the strength of UBS

A global leader in wealth management

^$3.9 trillion

In invested assets globally
As of 12/31/2022

51 countries

Our global footprint

Global leader

UBS is a world-leading wealth manager

Your business. Your family. Your goals.

A comprehensive plan.

Collective knowledge, complementary experience

Xavier A. Aguayo, CPWA, CEPA

William J. Serralles

Eduardo E. Cabán, CIMA

Alanna Maldonado

Lissette Diaz

Olga Carbia

Vicente Castillo