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Professional Services Personalized to Your Goals

Our primary purpose is to ensure you get the right financial planning in Puerto Rico, crucial for your financial success. By providing you with easy, user-friendly tools that help you through all phases of your life, from building personal wealth to managing your debts, we are committed to delivering high-quality service to you, our client. Over many years of experience, our team has found that financial success can be achieved no matter your current situation. The key to this success is to build the right foundation that nudges you to establish your ultimate goals.

We do not represent any company, but dedicate ourselves entirely to your service.

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You can request a consultation on any of our services.
Personal and Business Consultant
Personal and Business Consultant

Get certified consultants for complete personal and financial protection.

Financial Planning
Financial Planning

Enhance finances with a strategic roadmap for a secure retirement.

Tax Planning
Tax Planning

Optimize your finances with smart strategies to stay ahead of taxes.

Risk Management
Risk Management

Protect your income and safeguard your family and assets.

Investments
Investments

Make smart investment decisions for goal-aligned growth.

Health Insurance
Health Insurance

Explore coverage that protects you from healthcare costs.

Disability Insurance
Disability Insurance

Protect your income from sudden losses due to accidents.

Property Insurance
Property Insurance

Secure your assets from loss or damage.

Life Insurance
Life Insurance

Explore coverages that secure your and your family's future.

Hospitalization
Hospitalization

Recover any amount of medical expenses in hospital stays.

Cancer Insurance
Cancer Insurance

Cover your cancer treatment with this ideal package.

Commercial Insurance
Commercial Insurance

Protect your business against any sort of damage.

Retirement Plans
Retirement Plans

Strategic retirement planning for lasting financial freedom.

Mortgage Pre-Payment
Mortgage Pre-Payment

Accelerate your mortgage payment and maximize the benefits.

College Funds
College Funding

Discover financial plans that cover all educational expenses.

Assets Protection
Assets Protection

Protect your assets from unforeseen risks with legal safeguards.

Annuities
Annuities

Secure your retirement with a plan built to last.

Comprehensive Analysis
Comprehensive Analysis

Gain holistic growth through comprehensive analysis.

IRA
IRAS

Explore tax-advantaged accounts for a secure retirement.

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MEET OUR TEAM

Our Associates

Juan Luis Aquino

MBA, CCFP, CPFC, FRC
Especialista en Planificación Financiera y Contributiva

Amarilis Alicea

CCPF, CPFC
Analista de Riesgos Especiales

Magdalis Martinez

CCFP, CPFC
Representante Autorizado

One call can solve all your Financial Problems
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Frequently Asked Questions

Yes, Puerto Rico can be a great place to retire, especially for individuals who value a warm climate, a lower cost of living compared to many U.S. mainland cities, and a familiar U.S. legal and financial framework.

Puerto Rico offers unique advantages for retirees, including access to the U.S. Social Security and Medicare, no passport requirements for U.S. citizens, and a strong sense of community and family-oriented culture. Many retirees also appreciate the island’s lifestyle balance; urban conveniences in metro areas like San Juan combined with quieter coastal and rural options.

That said, retiring comfortably in Puerto Rico requires proper planning. The island has its own tax code, which differs in important ways from U.S. federal rules, and this can directly affect retirement income, pensions, Social Security taxation, and investment strategies. Working with professionals who understand both systems is key to avoiding surprises and maximizing long-term stability.

This is where personalized financial planning services in Puerto Rico become especially valuable. A coordinated approach; covering retirement income, taxes, insurance, and legacy planning helps ensure your retirement lifestyle is sustainable, protected, and aligned with local regulations.

In short, Puerto Rico offers strong retirement potential, but the real advantage comes from pairing the lifestyle benefits with informed, locally focused financial guidance.

JLA Financial Planning helps you plan your finances by starting with what matters most to you: your goals, your responsibilities, and the life you want to build in Puerto Rico. Then we align every financial decision with the realities of Puerto Rico’s tax rules and long-term planning landscape.

The process begins with listening. Before recommending any strategy, we take time to understand your current financial picture, including your income sources, savings, investments, retirement accounts, insurance coverage, and family obligations. Just as importantly, we look at where you are headed, whether that means preparing for retirement, reducing future tax exposure, protecting your family, growing a business, or creating a reliable income strategy you can feel confident about over time.

One of the key advantages of working with JLA is local expertise. Puerto Rico operates under its own tax system, which differs in meaningful ways from U.S. federal rules. These differences can affect how retirement income is taxed, how investment gains are treated, and which planning strategies are truly effective on the island. We help you navigate these details clearly, so your financial decisions are structured to work with local regulations rather than against them. This clarity is essential for anyone seeking thoughtful tax planning in Puerto Rico without confusion or guesswork.

JLA also focuses on coordination. Financial planning works best when all parts of your strategy are aligned. Instead of viewing taxes, retirement, investments, and insurance as separate decisions, we integrate them into one cohesive plan. For example, your retirement contributions are evaluated not just for growth potential, but for how they interact with your tax situation today and in the future. Investment choices are reviewed in the context of risk, time horizon, and tax efficiency. Insurance and asset protection strategies are designed to support long-term stability rather than short-term fixes.

Another important part of JLA’s approach is education. Financial decisions feel easier when you understand why certain strategies are recommended. We explain options in clear, practical terms, so you can make informed choices with confidence. This is especially valuable in Puerto Rico, where people often face uncertainty around how local tax laws interact with retirement accounts, pensions, or U.S.-based benefits. JLA helps bridge that knowledge gap in a calm, supportive way.

As your life evolves, your plan evolves too. JLA provides ongoing guidance, not one-time advice. Changes in income, family needs, market conditions, or tax laws can all affect your financial direction. By reviewing and adjusting your plan over time, JLA helps ensure that your strategy stays aligned with your goals and continues to make sense within Puerto Rico’s financial and tax environment.

Ultimately, JLA’s role is to help you feel organized, prepared, and confident. By combining personalized planning, local tax awareness, and long-term thinking, JLA helps you build a financial strategy that supports both your present needs and your future vision, so your finances work in harmony with Puerto Rico’s tax rules and the life you want to live.

When investing in Puerto Rico, understanding risk goes beyond market ups and downs. While all investors face uncertainty, the types of risks you may encounter and how they affect your long-term outcomes, can look different when local tax rules, income structures, and regulations are part of the equation. That’s why having a strategy built specifically for Puerto Rico is essential.

One of the most familiar risks is market risk. Investment values fluctuate due to economic cycles, interest rate changes, and global events. For investors in Puerto Rico, market volatility can feel more impactful if portfolios are not aligned with local income needs or long-term residency plans. A clear strategy helps you stay focused on your goals instead of reacting emotionally to short-term market movements.

Another important factor is tax-related risk. Puerto Rico operates under a distinct tax system, and investment income can be treated differently than it would be elsewhere. Without proper coordination, investors may unintentionally reduce after-tax returns or create future liabilities. Thoughtful investment planning helps ensure that growth strategies are structured in a way that supports efficiency, sustainability, and long-term confidence within Puerto Rico’s financial framework.

Inflation risk is also relevant for island residents. Rising costs of goods, healthcare, and services can slowly erode purchasing power over time. Portfolios that are overly conservative may struggle to keep pace with inflation, which can affect retirement income and lifestyle expectations. Balancing growth-oriented investments with stability is key to maintaining financial flexibility.

Interest rate risk plays a role as well, particularly for those relying on fixed-income investments for steady cash flow. Changes in interest rates can affect the value of bonds and income-producing assets. For individuals nearing retirement in Puerto Rico, managing this exposure carefully becomes increasingly important.

Another common concern is concentration risk. Holding too much of your portfolio in one asset, industry, or geographic market can increase vulnerability. Diversification across asset classes and strategies helps reduce this risk while keeping your plan aligned with personal goals and time horizons.

There is also liquidity risk, which involves how easily investments can be converted to cash when needed. In Puerto Rico, maintaining access to liquid funds can be especially important for unexpected expenses or life transitions. Ensuring the right balance between long-term investments and accessible assets adds stability to your overall plan.

Finally, behavioral risk can quietly undermine even well-designed portfolios. Emotional decisions driven by fear, uncertainty, or short-term headlines often lead to poor timing. This is where risk management planning becomes essential, helping you identify potential threats, adjust strategies over time, and stay disciplined as markets and personal circumstances change.

Ultimately, investing in Puerto Rico isn’t about avoiding risk altogether, it’s about understanding how local factors influence your financial picture and building a strategy that supports steady growth, resilience, and long-term peace of mind.

JLA helps you build a retirement plan by combining personal guidance, local expertise, and long-term strategy, so your financial decisions truly work within Puerto Rico’s tax system and reflect what you want your future to look like.

The process begins with a clear understanding of you. JLA starts by reviewing your current financial situation, including income sources, retirement accounts, savings, investments, insurance coverage, and family responsibilities. Just as important, they focus on your personal goals, when you hope to retire, the lifestyle you envision, how much certainty you want around income, and the legacy you may wish to leave behind. Every recommendation is shaped around these priorities, not generic assumptions.

What makes this especially valuable in Puerto Rico is local tax awareness. Puerto Rico has its own tax structure, which can impact how retirement income, investment earnings, and certain benefits are treated over time. JLA helps you understand how these rules apply to your specific situation, ensuring your strategy is designed to work within the local framework rather than creating unnecessary complexity later. This local insight is a key reason many individuals seek specialized retirement planning in Puerto Rico instead of relying on one-size-fits-all advice.

JLA also focuses on coordination across your entire financial picture. Retirement planning is not just about saving, it’s about how different pieces fit together. Contribution strategies are reviewed in light of both current and future taxes. Investment allocations are designed to balance growth and stability based on your timeline. Insurance and protection strategies are evaluated to help safeguard income and assets as you transition into retirement. This integrated approach helps reduce gaps and improve long-term consistency.

Education is another core part of JLA’s approach. Retirement decisions often feel overwhelming because the rules can be confusing or change over time. JLA explains options in clear, practical terms so you understand not just what you are doing, but why. This transparency allows you to make confident decisions and feel more in control of your financial future.

As your life evolves, your plan evolves with it. JLA provides ongoing guidance, adjusting strategies as income changes, goals shift, or tax rules are updated. Regular reviews help ensure your retirement plan remains aligned with both your personal objectives and Puerto Rico’s financial environment.

Ultimately, JLA’s role is to simplify complexity. By aligning your retirement strategy with local tax considerations and your individual goals, JLA helps you move towards retirement with greater clarity and confidence, knowing your plan is built for where you live and the future you want to create.

This thoughtful structure helps reduce uncertainty and avoids last-minute decisions that can be costly or stressful. With a clear roadmap, you can better anticipate income needs, manage risks, and adapt to changes over time. The result is a retirement strategy that feels organized, realistic, and supportive; giving you the confidence to enjoy today while preparing responsibly for tomorrow with confidence and clarity.

Living and building a future in Puerto Rico comes with unique opportunities and equally unique financial considerations. From a distinct tax system to evolving economic conditions and cost-of-living shifts, making confident financial decisions often requires more than general advice. This is where a structured, forward-looking approach becomes essential.

Financial planning begins by looking at your complete financial picture. This includes your income sources, expenses, savings, investments, liabilities, insurance coverage, and long-term objectives. Whether your goals involve retirement, business growth, wealth protection, or supporting family members, planning provides clarity on where you stand today and what adjustments may be needed to move forward with confidence.

Analysis adds another critical layer. It helps evaluate how current decisions may impact your future outcomes, especially within Puerto Rico’s local framework. Economic trends, inflation, interest rates, and regulatory changes can all influence financial strategies over time. Without proper analysis, it’s easy to make decisions that feel right in the moment but create challenges later.

In Puerto Rico, this process is especially important because financial strategies must align with local regulations while still supporting personal goals. A thoughtful approach to financial planning and analysis in Puerto Rico allows individuals and families to understand trade-offs, identify inefficiencies, and prioritize actions that support long-term stability. Rather than reacting to changes as they occur, planning and analysis help you anticipate them. Another key benefit is coordination. Many people manage finances in pieces; investments in one place, insurance in another, and retirement planning somewhere else. Analysis brings these elements together, showing how one decision affects another. This integrated view can reveal gaps, reduce unnecessary risks, and improve overall efficiency.

Financial planning and analysis also support better decision-making during transitions. Career changes, business growth, retirement preparation, or supporting aging parents all require adjustments. Having a structured framework helps you evaluate options calmly and choose paths that align with both your financial capacity and personal values.

Ultimately, the goal is not complexity, it’s clarity. Financial planning and analysis help turn uncertainty into understanding. By grounding decisions in data, local insight, and long-term thinking, individuals in Puerto Rico can move forward with greater confidence, knowing their financial choices are intentional, informed, and aligned with the future they want to build.

Running a business in Puerto Rico brings unique opportunities, but it also introduces financial complexities that require thoughtful planning. Business owners often juggle personal income, company cash flow, taxes, employees, and long-term goals all at once. Without a structured approach, it’s easy for decisions to become reactive rather than strategic.

Financial planning starts by separating clarity from chaos. For business owners, this means understanding how personal and business finances interact. Income structures, operating expenses, retained earnings, debt obligations, and future investments all need to be reviewed together, not in isolation. A clear financial framework helps owners see where their business truly stands and what adjustments may be needed to support sustainable growth.

One of the most critical considerations in Puerto Rico is tax coordination. The island has its own tax rules, and business income can be treated differently depending on structure, compensation strategies, and reinvestment decisions. Proper financial planning for business owners in Puerto Rico helps align business strategies with local regulations while supporting personal financial goals such as retirement readiness, asset protection, and long-term security.

Cash flow management is another essential component. A profitable business does not always mean consistent cash flow. Planning helps identify seasonal fluctuations, reserve needs, and opportunities to improve liquidity without sacrificing growth. This is especially important for business owners who rely on their companies as their primary income source.

Risk management also plays a significant role. Business owners face risks beyond market volatility, including operational disruptions, liability exposure, and unexpected life events. Financial planning helps evaluate insurance coverage, contingency reserves, and protection strategies that safeguard both the business and the owner’s family. Preparing for uncertainty reduces stress and strengthens resilience.

Long-term planning is equally important. Many business owners focus heavily on day-to-day operations while postponing decisions about succession, exit strategies, or retirement. Financial planning creates space to address these topics early, allowing owners to explore options such as transitioning ownership, selling the business, or structuring income streams for the future. Early planning provides flexibility and better outcomes.

Another key benefit is decision support. Whether considering hiring employees, expanding operations, purchasing equipment, or adjusting compensation, financial planning provides a framework for evaluating trade-offs. Instead of guessing, business owners can make decisions based on clear projections and aligned priorities.

Ultimately, financial planning helps business owners move from working in their business to thinking strategically about their business. By bringing structure, coordination, and long-term perspective into financial decisions, business owners in Puerto Rico can build stronger companies while also creating personal financial confidence and peace of mind for the future.

Building wealth is not only about accumulating assets, it’s about managing them thoughtfully over time, especially within the unique financial environment of Puerto Rico. Individuals and families often face complex decisions involving income, investments, taxes, risk exposure, and long-term goals. Without a coordinated approach, wealth can become fragmented, inefficient, or vulnerable to unnecessary risks.

Wealth management begins with gaining a clear understanding of your complete financial picture. This includes evaluating income streams, savings, investments, real estate, insurance coverage, retirement accounts, and future obligations. The goal is to see how each component fits together and how decisions in one area affect outcomes in another. This clarity allows for more planning rather than reactive decision-making.

In Puerto Rico, financial strategies require added attention to local rules and economic conditions. The island operates under a distinct tax system, and certain income sources or investment structures may be treated differently than expected. A personalized approach to wealth management in Puerto Rico helps ensure that strategies are designed with local considerations in mind, supporting long-term efficiency and reducing avoidable complications.

Another key element of wealth management is alignment with personal goals. Wealth means different things to different people: financial independence, a comfortable retirement, business growth, family support, or legacy planning. Wealth management helps translate these priorities into actionable strategies by establishing timelines, defining risk tolerance, and identifying trade-offs. This process ensures that financial decisions remain connected to what truly matters to you.

Risk oversight is also central to effective wealth management. As assets grow, risk exposure often increases; not just from market fluctuations, but from liability, concentration, inflation, and unexpected life events. A structured approach helps identify where vulnerabilities may exist and introduces strategies to manage them appropriately. This doesn’t mean eliminating risk, but rather understanding it and managing it intentionally.

Coordination is another major benefit. Many people manage finances in silos; investments are handled separately from insurance, taxes, or retirement planning. Wealth management brings these elements together, allowing for better efficiency and consistency. For example, investment decisions can be evaluated in light of future income needs, tax considerations, and risk tolerance, creating a more cohesive strategy.

Wealth management also supports adaptability. Life rarely stays the same. Career changes, business transitions, family responsibilities, market shifts, and regulatory updates can all affect financial plans. Ongoing review and adjustment help ensure strategies remain relevant and aligned with both personal circumstances and the Puerto Rico financial landscape.

Ultimately, wealth management provides structure, confidence, and perspective. It transforms complexity into clarity and helps individuals move forward with purpose. By organizing resources, aligning decisions with goals, and accounting for local considerations, wealth management allows you to protect what you’ve built while creating a sustainable path toward long-term financial well-being in Puerto Rico.

Planning your personal finances is the process of organizing your money around your life, not the other way around. It brings structure to everyday decisions while keeping long-term goals clearly in focus. Rather than reacting to financial events as they happen, personal planning helps you move forward with intention, confidence, and clarity; no matter where you are in life. At its core, personal financial planning starts with understanding your full financial picture. This includes income, expenses, savings, investments, debts, insurance coverage, and existing retirement accounts. Seeing everything together often reveals patterns that are easy to miss when finances are handled in pieces. It also helps identify strengths to build on and gaps that may need attention.

Goals are the foundation of any effective plan. These goals may include building an emergency fund, buying a home, funding education, preparing for retirement, supporting family members, or creating long-term security. Clear goals give direction to financial decisions and help prioritize what matters most. Without defined objectives, it becomes difficult to measure progress or make trade-offs confidently. Cash flow management plays a central role as well. Knowing how money moves in and out each month allows you to plan realistically, reduce stress, and avoid relying on short-term fixes. A strong plan balances spending with saving, ensuring today’s needs are met without compromising future stability. Over time, even small improvements in cash flow habits can create meaningful financial momentum.

Saving and investing are another key component. Saving builds short-term resilience, while investing supports long-term growth. Personal financial planning helps determine how much to allocate to each based on time horizon, risk tolerance, and goals. Instead of chasing trends or making emotional decisions, investments are selected within a clear framework designed to support consistency over time. This clarity supports long-term stability, flexibility, and confidence throughout every stage.

JLA’s approach is built to give you clarity, structure, and confidence without overwhelming you. The goal is simple: understand where you are today, define what you want your future to look like, and create a practical roadmap that supports your priorities through every stage of life. While every plan is personalized, JLA follows a consistent step-by-step framework that keeps the process organized, measurable, and easy to follow. The first step is a discovery conversation. This is where JLA learns what matters most to you. Some clients want to feel more in control of their monthly cash flow. Others are focused on retirement readiness, family protection, business stability, or long-term wealth building. During this stage, JLA also gathers the essential details needed to evaluate your current financial picture: income, expenses, debts, assets, savings, investments, insurance coverage, and any existing retirement accounts. Just as important, JLA asks questions about your timeline, lifestyle expectations, family responsibilities, and what “financial peace of mind” means to you personally.

Next comes organization and fact-finding. Many people have financial information spread across accounts, statements, and documents. JLA helps you bring everything into one clear view so you can understand your full situation at a glance. This step often reveals patterns, opportunities, and gaps such as underutilized savings habits, unnecessary risks, or unclear priorities that may not be obvious when finances are handled in pieces.

From there, JLA completes a comprehensive analysis. This includes reviewing how your current choices support your goals, stress-testing your plan against common uncertainties, and identifying where adjustments can improve your long-term outcomes. Instead of generic recommendations, JLA focuses on what is realistic for your income, lifestyle, and time horizon. This is also where planning becomes strategic; evaluating trade-offs, sequencing decisions in the right order, and creating a plan that feels both achievable and sustainable.

The next step is building your personalized plan. JLA translates the analysis into a clear action roadmap with priorities, timelines, and specific next steps. This plan typically addresses areas such as budgeting and cash flow structure, emergency reserves, retirement contributions and income planning, investment strategy alignment, debt reduction planning, insurance and protection needs, and long-term goal tracking. The plan is designed to be practical, something you can implement without feeling like you have to change your entire life overnight.

Then comes implementation support. JLA doesn’t simply hand you a plan and leave you to figure it out alone. You receive guidance on how to execute the recommendations step by step, in a way that fits your comfort level. When decisions require coordination such as adjusting accounts, updating coverage, or rebalancing priorities, JLA helps you move forward with clarity.

Finally, JLA provides ongoing reviews. Financial planning should evolve as life changes. Income shifts, goals change, markets move, and new responsibilities arise. JLA schedules periodic check-ins to review progress, make adjustments, and keep your plan aligned with your current reality.

This structured approach is what defines JLA’s financial planning process in Puerto Rico; personal, organized, and built for long-term confidence.

At JLA, we believe working with a financial advisor should feel clear, structured, and empowering, not overwhelming. Our role is to help you make confident financial decisions by providing guidance that is thoughtful, personalized, and grounded in the realities of living and planning in Puerto Rico.

When you work with JLA, everything starts with understanding you. We begin by learning about your full financial picture: your income, expenses, savings, investments, insurance coverage, retirement accounts, and existing obligations. Just as important, we take the time to understand your goals. Whether you are focused on preparing for retirement, building long-term security, protecting your family, growing a business, or simply gaining better control over your finances, our process is designed around what matters most to you.

We place a strong emphasis on organization. Many people come to us with financial information spread across multiple accounts and documents, which can make planning feel confusing. One of our priorities is helping you bring everything into one clear, structured view. This allows us and you to see how all the pieces fit together, identify gaps or inefficiencies, and make decisions with greater clarity.

Education and transparency are central to how we work. At JLA, we don’t believe in making decisions for you; we believe in making decisions with you. We take the time to explain strategies, options, and trade-offs in plain language so you understand why recommendations are being made. Our goal is for you to feel informed and confident, not pressured or rushed. Strategic planning is another key part of our approach. We help you align day-to-day financial decisions with long-term objectives. That means looking beyond short-term outcomes and focusing on how today’s choices affect your future flexibility, income stability, and peace of mind. We help prioritize actions, sequence decisions in the right order, and build a plan that feels realistic and sustainable for your lifestyle.

Risk awareness is also an important part of our role. Life is unpredictable, and financial plans must be resilient. We work with you to identify potential vulnerabilities, whether related to income changes, market volatility, health concerns, or unexpected expenses and help you prepare for them thoughtfully. Managing risk is not about eliminating uncertainty, but about reducing unnecessary exposure and creating stability.

At JLA, we view financial planning as an ongoing relationship, not a one-time event. As your life evolves, your financial strategy should evolve too. Changes in income, family responsibilities, goals, or regulations may require adjustments. We provide ongoing reviews and check-ins to help ensure your plan stays aligned with your current situation and future direction.

Ultimately, when you work with JLA, you can expect guidance that is personal, structured, and grounded in long-term thinking. Our role as a trusted financial advisor in Puerto Rico is to help simplify complexity, bring clarity to decision-making, and support you in building a financial strategy that aligns with your goals, your values, and the life you want to create.

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