Our value proposition is based on the following guiding principles:
First, do no harm: our team of advisors partners with individuals and institutions to help them protect and responsibly grow their wealth.
Stewards of our client's wealth: we offer our clients a higher standard of care. As a team we recognize that we can only maximize our long-term success if each and every one of our clients is equally successful.
An institutional approach: our team of advisors was born from a multi-billion dollar investment consulting practice. During the past 15 years our team has worked with some of the largest institutions and wealthiest families in Puerto Rico, the Caribbean and Latin America. We believe our individual and small business clients can benefit from employing best in class institutional practices in their investment process.
Helping you make intelligent choices: in today's marketplace where investment products have been commoditized, what sets us apart is the quality of our advice. Our clients rely on our guidance during periods of market stress. We help them avoid the common pitfalls of emotion-driven investing.
Reputation and Integrity: we are a values-based team. We are proud of the fact that our team has a long-standing record of regulatory compliance and excellence.
Commitment to professional development: our team of advisors has very strong academic and professional backgrounds, but every year we invest in continuing education with the goal of enhancing our expertise. Our advisors have held prior roles in investment banking, fixed income trading, asset management, and financial audit. Please go to our team bios section for more details.
Max Perez is responsible for providing financial advisory to insurance companies, universities, pension plans, hospitals, and other corporations.
Max has been with UBS for over 8 years and has been a financial advisor with an institutional focus since 2010. Throughout that time he has also assisted individuals and families with their wealth management needs. Prior to joining the institutional consulting team, Mr. Perez held several roles within UBS including Director of Institutional Sales and Director of Capital Markets. As a Director of Institutional Sales, Mr. Pérez was responsible for covering a large portfolio of institutional clients ranging from insurance companies to government entities, commercial banks and investment funds. As Director of Capital Markets, Mr. Pérez was a municipal bond trader and ran the syndicate desk in charge of new issues.
Max Perez began working in the investment industry in 2001 as an investment banking analyst at Santander Securities where he would later transition to other roles in which he assisted Santander Bancorp's CEO in the areas of mergers and acquisitions, investor relations and strategic planning. Prior to joining Santander, Mr. Pérez began his professional career at Procter & Gamble as a financial analyst.
Mr. Perez holds a B.S. in Finance from the Wharton School at the University of Pennsylvania and an MBA in Finance from the Kellogg School of Management at Northwestern University. In 2015 Max obtained the Certified Investment Management Analyst® certification and completed advanced investment management consulting coursework at the MIT Sloan School of Management.
FL, MA, NH, NJ, NY, PR, VI
John Thomas Engfer
John Thomas Engfer, CIMA®
First Vice President, Wealth Management
Institutional Consultant, UBS Institutional Consulting
UBS Financial Services Inc., San Juan, Puerto Rico
John Thomas Engfer provides investment management consulting services to public and private pensions, corporations, hospitals, foundations and endowments in the United States, Puerto Rico as well as internationally.
John joined PaineWebber's PRIME Investment Consulting in 2000. Prior to joining the firm, John served as Second Vice President at Salomon Smith Barney and worked at the firm's Consulting Group Institutional Services Division serving as consultant to public and private funds. John began working in the investment field in 1987 with Dean Witter Reynolds in Boston, Massachusetts as an intern while completing his undergraduate studies. In 1989 he joined The Boston Company, as an Account Specialist, working on special projects for the firm's institutional clients. In 1994 he joined Prudential Securities as a Financial Advisor. In 1996, he joined Smith Barney as a Second Vice President of Investments.
Mr. Engfer is a graduate of Babson College, with a B.S. in Finance, Economics and Investments. He also holds an M.S. in Management from Boston University. He is a Founding Member and served as Treasurer of the Puerto Rico Investment Management Society. He is a Certified Investment Management Analyst and is a member of the Investment Management Consultants Association. In 1998, he received his CIMA® certification from his work, sponsored through the Investment Management Consultants Association, at the Wharton School of Business at the University of Pennsylvania.
Registered States: CA, FL, NJ, NY, PR, TX
CA, FL, MA, NH, NJ, NY, PR, TX, VI
Jose E. Chaves, CFA®
UBS Financial Services Inc., San Juan, Puerto Rico
Jose Chaves is responsible for assisting the team on portfolio analysis, portfolio implementation, investment manager search and evaluation, performance review, account monitoring, client presentations, and client service.
Mr. Chaves joined UBS in 2012. Prior to joining our team, Mr. Chaves was part of a wealth management advisory team with over $250 million in assets under management where he held the role of investment analyst in charge of designing comprehensive investment plans for his clients.
Mr. Chaves holds a B.S. in Accounting and Finance from the Villanova School of Business at Villanova University and a Masters in Security Analysis and Portfolio Management from the Heider College of Business at Creighton University. In 2016 Jose earned the right to use the Chartered Financial Analyst® (CFA®) designation.
DC, FL, MA, NY, PR