Enrique has lived in many different places around the world, and he has advised business owners and developed custom plans and strategies for professionals in Florida, New York, and many other states and territories, including Puerto Rico. Because of his international experience, he is sought out by foreign nationals from many different countries as well as business owners and families with complex needs.

Enrique goes out of his way to help others and that’s what makes him truly different. He is devoted to his family and he has personally experienced some of the difficult life and health situations that he wants to help other people prepare for. Luckily, Enrique was aware of what he needed to do and put financial measures in place in advance of his family member’s health issues, but he’s seen other people—even extremely wealthy people—avoid planning and be faced with a life event that devastates them, their families, and their businesses.

“Don’t wait to plan,” is his biggest message to others.

As an independent financial advisor with access to hundreds of strategies (some of them patented with limited distribution) from dozens of insurance carriers, Enrique uses advanced estate and legacy planning techniques to transfer tax-advantaged wealth to family members. Nothing is cookie-cutter and he develops custom plans to shift business and personal financial risks away from his clients and over to insurance companies.

Business succession planning, group health plans, group retirement plans like 401(k)s, annuities for retirement income plans, disability and long-term care coverage, and life insurance for tax-advantaged wealth transfer are some of the strategies Enrique uses to help business owners and professionals. His extensive experience is considered invaluable to his clients, and a lot of his work comes through referrals.

“As a business owner, you have to attract and retain high-level employees, and compensate them so that they never want to leave. At the same time, you also have to have a solid plan for your own successful transition to retirement. And of course, you have to protect your family from “worst-case scenario” possibilities like disability, the need for long-term care, or death. Your business and personal planning truly needs to be holistic and comprehensive,” Enrique says.

In his work with business owners and families, Enrique says the biggest problem he sees is procrastination, and that bothers him because he’s a problem-solver. “You can save your family a lot of time, difficulty, and money by having an estate plan and business succession plan in place, along with coverage for long-term care and disability if someone gets sick.”

In his personal life, Enrique is devoted to his family. Born in Cuba, he was fortunate to emigrate to America at age 15. He and his wife have two daughters in their 30s; both of them work as attorneys in Miami. Enrique is also blessed with two grown sons from his first marriage—one is a trained emergency trauma surgeon who switched to anesthesiology in Portland, Oregon, and the other works in the legal field. Although there are no grandchildren yet, Enrique laughs and says he does enjoy his two “grand dogs.”