Otto Rivera, EA, CFP®

I believe financial planning should feel empowering rather than confusing, intimidating, or isolating.

My name is Otto Rivera, a CERTIFIED FINANCIAL PLANNER® and Investment Advisor, as well as a tax professional. My role is to walk alongside you, listen carefully, and help you make sense of your situation in a way that feels clear, supportive, and aligned with the life you want to build.

I've supported US expats and multi-national clients navigating cross-border complexities for the last 12 years, first as an International Subject Matter Expert at Charles Schwab & Co. and then as a Cross-Border Financial Planner and Investment Manager at a Registered Investment Advisor firm. I am also an expert in investment management operations and the Schwab Investment Platform.

I approach financial planning and investment management as partnerships rooted in trust and competence. I work with curiosity, empathy, and a deep problem-solving mindset. I meet my clients where they are and help them ask the right questions, understand their options, and move forward with clarity and confidence. 

Through my firm, Mindful Wealth LLC, I provide comprehensive financial planning and investment management for individuals, families, and professionals in the U.S. and other countries. 

I’m also an Enrolled Agent admitted to practice before the IRS and the owner of Emergent Tax Services LLC, which allows me to integrate tax preparation and planning into the broader financial picture.