Experience

Makes all the difference

Our value proposition is based on the following guiding principles:

First, do no harm: our team of advisors partners with individuals and institutions to help them protect and responsibly grow their wealth.

 

Stewards of our client's wealth: we offer our clients a higher standard of care. As a team we recognize that we can only maximize our long-term success if each and every one of our clients is equally successful.

 

An institutional approach: our team of advisors was born from a multi-billion dollar investment consulting practice. During the past 15 years our team has worked with some of the largest institutions and wealthiest families in Puerto Rico, the Caribbean and Latin America. We believe our individual and small business clients can benefit from employing best in class institutional practices in their investment process.

 

Helping you make intelligent choices: in today's marketplace where investment products have been commoditized, what sets us apart is the quality of our advice. Our clients rely on our guidance during periods of market stress. We help them avoid the common pitfalls of emotion-driven investing.

 

Reputation and Integrity: we are a values-based team. We are proud of the fact that our team has a long-standing record of regulatory compliance and excellence.

 

Commitment to professional development: our team of advisors has very strong academic and professional backgrounds, but every year we invest in continuing education with the goal of enhancing our expertise. Our advisors have held prior roles in investment banking, fixed income trading, asset management, and financial audit. Please go to our team bios section for more details.

Max Perez

Executive Director

Financial Advisor

Max Perez, CIMA®

First Vice President, Wealth Management

Senior Institutional Consultant, UBS Institutional Consulting

UBS Financial Services Inc., San Juan, Puerto Rico

Responsibilities

Max Perez is responsible for providing financial advisory to insurance companies, universities, pension plans, hospitals, and other corporations.

Professional history

Max joined UBS in 2008 and has been a financial advisor with an institutional focus since 2010.  Throughout that time he has also assisted individuals and families with their wealth management needs.  Prior to joining the institutional consulting team, Mr. Perez held several roles within UBS including Director of Institutional Sales and Director of Capital Markets.  As a Director of Institutional Sales, Mr. Pérez was responsible for covering a large portfolio of institutional clients ranging from insurance companies to government entities, commercial banks and investment funds.  As Director of Capital Markets, Mr. Pérez was a municipal bond trader and ran the syndicate desk in charge of new issues. 

 

Max Perez began working in the investment industry in 2001 as an investment banking analyst at Santander Securities where he would later transition to other roles in which he assisted Santander Bancorp's CEO in the areas of mergers and acquisitions, investor relations and strategic planning. Prior to joining Santander, Mr. Pérez began his professional career at Procter & Gamble as a financial analyst.

Education

Mr. Perez holds a B.S. in Finance from the Wharton School at the University of Pennsylvania and an MBA in Finance from the Kellogg School of Management at Northwestern University. In 2015 Max obtained the Certified Investment Management Analyst® certification and completed advanced investment management consulting coursework at the MIT Sloan School of Management.

Registered States:
  • FL
  • MA
  • NH
  • NJ
  • NY
  • PR
  • VI

Education

  • Wharton School at the University of Pennsylvania, B.S. in Finance
  • Kellogg School of Management at Northwestern , MBA in Finance

Credentials

  • Certified Investment Management Analyst®
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

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John Thomas Engfer

Executive Director

Financial Advisor

John Thomas Engfer, CIMA®

First Vice President, Wealth Management

Senior Institutional Consultant, UBS Institutional Consulting

UBS Financial Services Inc., San Juan, Puerto Rico

 

Responsibilities

John Thomas Engfer provides investment management consulting services to public and private pensions, corporations, hospitals, foundations and endowments in the United States, Puerto Rico as well as internationally.

Professional history

John joined PaineWebber's PRIME Investment Consulting in 2000. Prior to joining the firm, John served as Second Vice President at Salomon Smith Barney and worked at the firm's Consulting Group Institutional Services Division serving as consultant to public and private funds.  John began working in the investment field in 1987 with Dean Witter Reynolds in Boston, Massachusetts as an intern while completing his undergraduate studies. In 1989 he joined The Boston Company, as an Account Specialist, working on special projects for the firm's institutional clients.  In 1994 he joined Prudential Securities as a Financial Advisor. In 1996, he joined Smith Barney as a Second Vice President of Investments. 

John serves on the board of directors of Pro Arte Musical, Puerto Rico's oldest non-profit organization dedicated to promoting classical music and musical education.

Education

Mr. Engfer is a graduate of Babson College, with a B.S. in Finance, Economics and Investments. He also holds an M.S. in Management from Boston University. He is a Certified Investment Management Analyst and is a member of the Investment Management Consultants Association. In 1998, he received his CIMA® certification from his work, sponsored through the Investment Management Consultants Association, at the Wharton School of Business at the University of Pennsylvania.

Registered States: CA, FL, NJ, NY, PR, TX

Registered States:
  • CA
  • FL
  • MA
  • NH
  • NJ
  • NY
  • PR
  • TX
  • VI

Education

  • Babson College, B.S. in Finance, Economics and Investments
  • Boston University, M.S. in Management
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

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Jose Chaves

Financial Advisor

Jose E. Chaves, CFA®

Financial Advisor

UBS Financial Services Inc., San Juan, Puerto Rico

 

Responsibilities

Jose Chaves is responsible for assisting the team on portfolio analysis, portfolio implementation, investment manager search and evaluation, performance review, account monitoring, client presentations, and client service.

 

Professional history

Mr. Chaves joined UBS in 2012. Prior to joining our team, Mr. Chaves was part of a wealth management team with over $250 million in assets under management where he held the role of investment analyst in charge of designing comprehensive investment plans for his clients.

 

Education

Mr. Chaves holds a B.S. in Accounting and Finance from the Villanova School of Business at Villanova University and a Masters in Security Analysis and Portfolio Management from the Heider College of Business at Creighton University. In 2016 Jose earned the right to use the Chartered Financial Analyst® (CFA®) designation.

Registered States:
  • DC
  • FL
  • MA
  • NH
  • NY
  • PR
  • VI

Education

  • Villanova School of Business at Villanova University , B.S. in Accounting and Finance
  • Heider College of Business at Creighton University, Masters in Security Analysis and Portfolio Management

Credentials

  • Chartered Financial Analyst®
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

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Elaine Flores

Associate Director

Senior Wealth Strategy Associate

 

Responsibilities

Elaine is our team’s office manager and leads the daily operations of our team.  She is the point person for all client service needs and supports the team in coordinating operational and administrative issues with our home office support groups.  

 

Professional history

Elaine has been with UBS for over 25 years contributing as operations manager, financial analyst, and institutional consulting program manager for the Investment Consulting Division; and most recently she was in charge of financial planning and investments education to retirement plan participants while in the Retirement Plans Division.

 

Education

Mrs. Flores holds a BA in Economics from the University of Massachusetts and an MBA in Finance from the Universidad Interamericana de Puerto Rico. She is a Certified Investment Management Analyst (CIMA) and Chartered Retirement Plans Specialist (CRPS) designee. She is licensed as a registered securities representative and investment advisor representative in Puerto Rico.

Registered States:
  • CA
  • FL
  • MA
  • NH
  • NJ
  • NY
  • PR
  • TX
  • VI
250 Munoz Rivera Avenue
A.I Plaza, 16th Floor
San Juan, PR 00918

Email Me