Otto Rivera, CFP®, EA
Cross-Border Financial Planning and Investment Management for U.S. Expats
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Serving Clients Nationwide
Cross-Border Financial Planning and Investment Management for U.S. Expats
Areas of Focus
- International and Cross-border Planning
- Investment Management
- Retirement Planning
- Tax-Efficient Planning
- Taxes
- Travel
- Women & Wealth
About Otto Rivera, CFP®, EA
I help U.S. expats simplify their financial lives across borders.As the founder of Mindful Wealth, I specialize in cross-border financial planning and investment management, helping clients navigate U.S. taxes, international regulations, and investment complexity with clarity and confidence.
I serve on the board of directors for the Financial Planning Association (FPA®) and am both a CERTIFIED FINANCIAL PLANNER® professional and a credentialed Enrolled Agent with the Internal Revenue Service.
If you’re living abroad or planning to cross the oceans, my goal is simple: help you make smarter decisions, avoid costly mistakes, and build a financial life that works globally.
I’m a proud Puerto Rican, speak English and Spanish fluently, and value family, kindness, and lifelong learning.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Enrolled Agent (EA)
Affiliations
-
CFP Board
- Financial Planning Association
- National Association of Tax Professionals (NATP)
- XY Planning Network
- Financial Planning Association
Primary Location
St. Louis, MO
Additional Locations
📍 St. Cloud, Florida
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Hourly Rate
- Percentage of Assets Managed
- Pro Bono
What to expect in the first meeting
This call is designed for U.S. expats currently living abroad, or Americans seriously planning a move overseas, who are seeking clarity and professional financial guidance. This is not a general Q&A or a one-off advice session. This is a focused conversation for individuals and families considering working with a Financial Advisor. In this session, we’ll discuss your situation at a high level, identify key cross-border considerations (tax, investments, retirement, estate planning, etc.), and determine whether working together would be a good fit.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About Mindful Wealth LLC
Mindful Wealth is a Fee-Only Registered Investment Advisor dedicated to helping U.S. Expatriates make thoughtful financial decisions with clarity, confidence, and purpose. We offer cross-border financial planning and investment management to help you navigate today's complexities. As fiduciaries, we are legally and ethically committed to acting in our clients’ best interests at all times. Because we only receive compensation from our clients, our advice is transparent and free of commissions or product incentives, so we can focus on what matters most: aligning your financial strategy with your life, values, and long-term goals. As fiduciaries, we are legally and ethically committed to acting in our clients’ best interests at all times.Education
University of Phoenix, Bachelor's, Business Administration Bryant University, Financial Planning Certificate
Volunteer Experience
Pro-Bono Financial Planner Wings For Widows 10/2022-Present Pro-Bono Financial Planner After Innocence 10/2022-04/2024
Hobbies and Interests
- Exercising
- Family
- Music
- Reading
- Running
- Soccer
- Traveling
- Volunteering
- Walking
SEC Lookup
View DisclosureWho We Serve
- Americans Living Abroad
- Expats
- Foreign-Born Individuals
- Hispanic | Latino
- Immigrants
- Travel Lovers
- Women in Transition
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