Otto Rivera, CFP®, EA

Cross-Border CFP® & Expat Tax Advisor for U.S. Expats & Multinational Families

I am a Certified Financial Planner (CFP®) professional and IRS Enrolled Agent who specializes in helping Americans living abroad, preparing to move abroad, or maintaining financial ties across multiple countries.

My career began in 2014 at Charles Schwab & Co., where I served as an International Subject Matter Expert supporting financial advisors and clients with complex cross-border issues. Since then, I have worked extensively with individuals, families, retirees, business owners, and globally mobile professionals navigating the intersection of U.S. financial, tax, and investment systems.

Today, through Mindful Wealth, I provide comprehensive financial planning, investment management, and tax planning/preparation services designed to help clients make informed decisions before and after an international move.

My Approach

My planning process is highly personal and hands-on. I work closely with clients to coordinate investments, taxes, retirement planning, estate considerations, and major life transitions into a single cohesive strategy.

Cross-border planning is rarely just about taxes or investments. It is about helping clients make confident decisions while balancing family goals, lifestyle aspirations, and long-term financial security.

Whether you are preparing for retirement in Europe, managing assets in multiple countries, or navigating a major financial transition, my goal is to help you move forward with clarity and confidence.

Listen to Otto's episode on Passport to Wealth™ here.

About Mindful Wealth LLC

Mindful Wealth is a fee-only, fiduciary financial planning and investment management firm dedicated to helping Americans living abroad make informed and intentional financial decisions.

We believe financial planning is about more than investments and taxes it is about aligning your financial resources with the life you want to live. Our comprehensive approach integrates investment management, retirement planning, tax planning, cash flow, estate planning coordination, and risk management into a cohesive strategy tailored to your goals and values.

Outside the Office

I currently serve on the national board of directors of the Financial Planning Association (FPA) and as a CFP Board Ambassador. I actively provide and promote pro bono financial planning through organizations such as the Foundation for Financial Planning and Wings for Widows and champion the value of financial planning and the CFP® marks, speaking to diverse audiences, contributing to public awareness initiatives, and leveraging my experience to advance the profession’s mission to benefit the public.

Book a call with Otto here.