About Us

Thoughtful Planning. Intentional Wealth. Lasting Confidence.

Mindful Wealth LLC is a Fee-Only Registered Investment Advisor dedicated to helping individuals and families make thoughtful financial decisions with clarity, confidence, and purpose. We provide comprehensive financial planning and investment management tailored to the complexities of modern life, including globally mobile professionals, U.S. expatriates, and individuals navigating meaningful life transitions. As fiduciaries, we are legally and ethically committed to acting in our clients’ best interests at all times. Because we are fee-only, our advice is transparent and free from commissions or product incentives, allowing us to focus solely on what matters most: aligning your financial strategy with your life, values, and long-term goals.

  About Mindful Wealth LLC,

  Intentional Futures

Meet Otto Rivera, CFP®, EA

Otto Rivera, CFP®, EA, is a Financial Planner and Investment Advisor specializing in comprehensive financial planning for U.S. expatriates living abroad and globally mobile individuals. A CERTIFIED FINANCIAL PLANNER® professional and IRS Enrolled Agent, Otto brings integrated expertise in investments and taxation, helping individuals, families, and business owners make coordinated and informed financial decisions.

He began his financial services career at Charles Schwab & Co., where he partnered closely with Registered Investment Advisor firms and developed deep experience in international operations and cross-border financial planning. Otto is an active leader within the Financial Planning Association and serves on its National Board of Directors, contributing to initiatives that advance the financial planning profession.

He also serves as a CFP® Board Ambassador and enjoys mentoring aspiring planners pursuing the CFP® designation. Otto gives back through pro bono financial planning with the Foundation for Financial Planning, Wings for Widows, and Capital Group’s Community Wealth Council. He lives in Orlando, Florida, with his wife and daughter.

I was born and raised in the island of Puerto Rico, the eldest of four brothers, in a home shaped by service and learning. My father was a psychiatrist educated in Spain, and my mother was a social worker with a master’s degree. From an early age, they both instilled in me the importance of helping others.

But by the time I was 20, everything had changed.

My father became seriously ill and could no longer work consistently. My mother suddenly had to shoulder both the emotional and financial responsibilities for our family. A year later, she passed away unexpectedly. We moved to Orlando, Florida, to be near my dad’s side of the family, and less than two years after that, my father also died. Overnight, my brother and I found ourselves raising our two younger siblings and navigating adulthood without a safety net.

I left college and took whatever work I could find: kitchen shifts, warehouse forklift driving, delivery routes, and tech support; anything that would keep us going. Years later, I returned to college and completed my bachelor’s degree, but those early years taught me something no classroom ever could: what financial fragility and life-changing disruption truly feel like.

That lived experience is what ultimately led me to financial planning.

After working in corporate roles and as a government contractor, I joined Charles Schwab & Co., where I supported financial planners and investment advisors nationwide. There, I saw firsthand how thoughtful, well-designed financial planning could change families' trajectories, not just their portfolios but also their peace of mind.

Inspired by that work, I began my journey to become a Certified Financial Planner®, and one of my client advisors eventually recruited me to help in their practice. Today, I bring both professional expertise and deep human understanding to every client relationship.

Through Mindful Wealth, LLC, I can show that financial planning is more than spreadsheets and projections. It is a stabilizing force when life feels uncertain. Whether you’re navigating a major transition, managing cross-border complexity, or rebuilding after disruption, my goal is to help you move forward with clarity, confidence, and purpose.