Hector Rivera, Cfp®, Cepa, Clu® Email & Phone Number

New York, New York, United States

Your financial future is determined by the financial moves you make today.Since as far back as I can remember, I have always had an affinity for finances. As a kid growing up in New York City, I was driven to learn the path to financial freedom - how to become the landlord rather than the renter; how to build a business that employs others; how to protect assets from life's inevitable risks, and how to share this knowledge with my community.Now that I have spent nearly 20 years in the financial services industry educating clients and fellow advisors on financial sustainability, I know that everyone has to create their own path. But in order to do so effectively and efficiently, financial education is crucial.My team is your guide to financial freedom. We help each client implement tax-efficient growth and wealth accumulation strategies. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 Broadhollow Road Suite 405, Melville, NY 11747, 631-589-5400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a direct, wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. Forest Hills Financial Group is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. CA Insurance License #0M73266

New York, New York

During my tenure at Park Avenue Securities, I had the privilege of positively impacting the lives of hundreds of individuals, families, and business owners by providing invaluable support to their trusted financial advisors. Through meticulous creation of reports and succinct summaries of clients' financial statements, I facilitated seamless communication between advisors and their clients. This enabled advisors to effortlessly convey the nuances of their clients' financial standing and propose tailored strategies for enhancing their financial plans and investments.Additionally, I spearheaded the introduction of cutting-edge products and technologies in collaboration with esteemed partners such as Blackrock, Envestnet, American Funds, and Invesco. Taking to the road, I traversed the Northeast region, imparting knowledge and insights to top-tier financial advisors, equipping them with the expertise needed to seamlessly integrate these innovative solutions into their client offerings. Together, we bridged the gap between aspiration and achievement, ensuring clients had access to the latest advancements and empowering them to navigate their financial journey with confidence and clarity.

New York, Ny

White Plains, Ny

As a trusted Private Banker catering to esteemed high net worth clients affiliated with Citibank, I embarked on a journey of comprehensive financial stewardship, guiding clients through every facet of their financial landscape, including investments, insurance, retirement, education, specialized credit, and estate planning.Through seamless collaboration with both internal and external partners, my mission was to streamline and enhance the banking, lending, and wealth management experiences of my esteemed clientele. With a steadfast commitment to excellence, I cultivated a robust book of business, boasting banking and investment assets exceeding an impressive $200 million.In a testament to my leadership prowess, I took under my wing two budding relationship managers, imparting invaluable wisdom across various domains, from product intricacies to effective prospecting techniques. Additionally, my pivotal role as a leading contributor to the Citigold National Advisory Council underscored my dedication to fortifying the infrastructure of this esteemed HNW banking program.My innovative spirit shone through as I spearheaded the testing of three pioneering pilot programs within the Citigold division, ranging from specialized lending initiatives to the implementation of a priority customer service team and enhanced due diligence protocols. Furthermore, my recurrent presence as a keynote speaker at monthly market meetings exemplified my unwavering commitment to sharing insights and driving collective growth.

As a dedicated manager entrusted with a prestigious book of business comprising mass affluent "Premier" clients, I oversaw assets totaling over $90 million, each one representing a unique financial story waiting to be explored.With a keen eye for detail, I delved into the intricacies of my Premier clients' financial situations, meticulously profiling their needs and aspirations. Together, we embarked on a journey of discovery, navigating common wealth management challenges and crafting tailored solutions to address their individual objectives.Drawing upon a rich tapestry of financial expertise, I curated a suite of recommendations perfectly aligned with my clients' aspirations, spanning from deposit accounts and credit products to insurance and investment opportunities. Through collaborative efforts with branch managers and other bank partners, I ensured that my clients received holistic support that transcended mere transactions, fostering enduring relationships built on trust and mutual understanding.In moments of leadership, I seamlessly assumed the mantle of Officer-In-Charge during the absence of upper management, shouldering the responsibility of overseeing branch operations with finesse and professionalism. From opening and closing the branch to approving significant transactions and resolving client concerns, I remained steadfast in my commitment to upholding the highest standards of service excellence.Furthermore, I took pride in nurturing a culture of continuous growth and development within the branch, serving as a beacon of guidance for branch staff in identifying and capitalizing on sales opportunities. Through strategic coaching and mentorship, I empowered my colleagues to unlock their full potential, fostering a collaborative environment where success was not just celebrated but shared amongst all.Previous Roles at HSBC: Branch Relationship Banker, Client Experience Associate, and Customer Service Representative

Bachelors Of Business Administration, Finance & Investments

Embarking on college life, I balanced work at HSBC bank with Baruch College studies in NYC, adjusting to my parents' move to Miami..

High School Diploma

At Cardinal Spellman, we faced high expectations, with just over half of our freshman class making it to graduation. Despite this, our.