Your Financial Life Spans the World.
Your Advisor Should Too.
Strategic Financial Planning for Americans Living Abroad
Financial Planning for Global Lives,
and Intentional Wealth
You've built (or want to build) a life across borders. But that means navigating two tax and legal systems, multiple currencies, assets in different countries, and financial rules that add complexity and cost.
At Mindful Wealth, we start where most financial advisors stop. We specialize in helping U.S. expats navigate complexity with a strategic financial plan tailored to their global reality.
Serving U.S. Expats and Global Families Since 2014.
Your Situation Probably Isn't New to Me.
I'm Otto Rivera, CFP®, EA. Since 2014, I've been helping Americans living abroad and international clients with their financial and investment needs.
I've seen what happens when expats get generic advice: missed FBAR filings, poorly timed Equity Compensation decisions, and retirement/investment accounts that don't travel well. I've also witnessed the great wealth-building opportunities available to expats when cross-border financial planning is implemented effectively and in a timely manner.
That experience is what I bring to every client relationship. Not just technical knowledge, but the pattern recognition that only comes from more than a decade of doing this work.
Our Services
Cross-Border Financial Planning
Cross-border financial planning helps individuals and families navigate the complexities that arise when their financial lives span multiple countries. This includes coordinating tax obligations, investment strategies, retirement planning, and estate considerations across different legal and regulatory systems. Our approach focuses on helping clients avoid costly mistakes, reduce unnecessary taxes, and maintain clarity and confidence as they live, work, or invest internationally. We collaborate closely with clients and other professional advisors to ensure their financial plan remains aligned, compliant, and optimized across borders.
Financial Planning
We develop a personalized financial roadmap aligned with your goals, career, family, and future. Together, we organize and coordinate investments, taxes, retirement, cash flow, insurance, and Estate considerations into a unified plan, helping you make confident decisions through every stage of life.
Investment Management
We design and manage portfolios that reflect your goals, time horizon, and risk tolerance. Our focus is on long-term discipline, tax efficiency, and thoughtful implementation without speculation or market timing.
Retirement Planning
We help you understand where you are today, where you are going, and what adjustments may be needed. This includes retirement readiness analysis, withdrawal strategies, and coordination with retirement plans both in the U.S. and abroad.
Life Transition Planning
Financial decisions become more complex during periods of change. We provide compassionate guidance during transitions such as divorce, widowhood, career changes, international relocation, and unforeseen events.
Tax Planning
We integrate tax planning directly into your financial plan. We help you make decisions with a clear understanding of their tax impact, particularly in cross-border situations and complex compensation arrangements.
Equity Compensation Planning
Equity compensation creates unique opportunities and complexities. We help you make informed decisions around RSUs, stock options, and ESPPs by analyzing taxes, diversification strategies, and long-term planning with the goal of turning compensation into lasting wealth.
U.S. Expats & Global Professionals
Americans living abroad or moving internationally who face unique tax, investment, and retirement planning considerations across multiple countries.
Women in Transition
Women navigating divorce, widowhood, career changes, or newfound financial independence who want clarity, stability, and a trusted advisor during times of change.
High Earners & Professionals
Executives, physicians, attorneys, and business owners whose income and career trajectory create both opportunity and complexity.
Individuals Building Intentional Wealth
People who want to align their financial decisions with their long-term goals, values, and life priorities.
Who We Serve
Our Process
Financial planning is most effective when it is thoughtful, structured, and collaborative. Our onboarding process is designed to build a deep understanding of your financial life and create a clear path forward.
Introductory Conversation
We begin with a conversation to understand your situation, your goals, and whether we are a good fit to work together.
Discovery and Organization
We gather information about your income, investments, tax situation, retirement accounts, and overall financial structure.
Analysis and Planning
We analyze your current position and develop recommendations designed to support your goals and improve your financial clarity.
Plan Presentation & Implementation
We present your financial plan, answer your questions, and help implement agreed-upon strategies.
Ongoing Partnership
Financial planning is not static. We meet regularly and provide ongoing guidance as your life and financial circumstances evolve.
Our Fee Structure
Transparent pricing designed to support long-term financial clarity.
Comprehensive Financial Planning
- Individuals: $5,000 annually
- Families: $6,000 annually
- More complex situations priced based on scope
Includes ongoing financial planning, guidance, and coordination across all areas of your financial life.
Investment Management
For clients who engage us to manage their investments.
- 0.70% annually of assets under management
Fees may decrease at higher asset levels.
One-Time Planning Engagements
Project-based engagements for retirement analysis, cross-border planning, or equity compensation strategy.
Fees vary depending on complexity and scope.
Ready For Clarity in Your Financial Life?
Let’s bring your financial complexities and life goals into one clear plan.
Memberships & Associations
See Where Mindful Wealth Has Been Featured:
