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Founder, Managing Partner

Senior Investment Consultant

Retirement Management Advisor

Senior Investment Consultant, Founder and Managing Partner of The Atlas Financial Group, Luis Alayo-Riera, has more than 20 years of experience after having worked at some of the most powerful financial firms, such as Citigroup, Morgan Stanley and Raymond James, our founder. He provides a customized financial plan to help our clients reach their objectives to fully address each of their financial needs. 

In addition, Luis is also a registered Retirement Management Advisor, one of the few certified specialists in the USA according to the Investment & Wealth Institute.

He speaks Spanish and English.




Relationship Manager

FL Real Estate Associate & FL Notary Public

Sonia Moreno has over almost 4 years of experience as a relationship manager with The Atlas Financial Group.

She also is a Real Estate Associate in Florida with Florida Capital Realty Group.

She is fluent in English and Spanish.

Sonia Moreno  is not a registered representative with nor is he affiliated with INTL FCStone ."




Attorney at Law

Legal & Business Consultant

Francisco M. López -Romo P.A has developed an extensive legal practice as the legal and financial advisor to hundreds of clients who have successfully developed their business opportunities in very diverse ventures in different jurisdictions.  He currently represents health care professionals and their hospitals, manufacturers, and energy companies.  He also participates in bankruptcy and collections issues.

Francisco M Lopez Romo  is not a registered representative with nor is he affiliated with INTL FCStone ."

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Tax & Business Consultant

Javier M Garcia is not a registered representative with nor is he affiliated with INTL FCStone ."

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Office Manager

Lifestyle and Household Manager




Insurance & Risk Management

Estate Planning | Insurance 

 Trusted and frequently sought out as financial and insurance regulator to draft opinions in the legislative
branch for the creation of bills and regulations.
 Supervised agency tasks to attain the National Association of Insurance Commissioners (NAIC)
accreditation and become a member of the NAIC Committee.
Supervised the creation of more than 12 laws during the term as Puerto Rico’s Insurance Commissioner.
 Introduced concept of Parametric Coverage for Catastrophic Events
Developed and instituted the concept of Micro-Insurance agency for low-income with Catastrophic Events.
 In charge of Rehabilitator and Liquidator under Chapter 40 of the Insurance Code of Puerto Rico.
Successfully carried out the MOU Agreement in alliance with the Department of Economic Development
to promote the “International Insurance Center” resulting in a growth of 24%.


Javier Rivera Rios is not a registered representative with nor is he affiliated with INTL FCStone ."

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Compliance Consultant

Mr. Riera has over 25 years of experience in the international financial industry, particularly in the international wealth management area, including domestic and international broker/dealers, commercial and investment banks and investment advisory firms

His experience includes various senior positions in risk management, compliance, operations and service support areas in different countries (Venezuela, Panama, USA, and Switzerland) working for some of the largest and most successful broker-dealers and private banks in the world, including Merrill Lynch, Wachovia, and First Clearing Corporation, among others. Juan Carlos has served as Chief Compliance Officer, Regional Compliance Director for Latin America, Head of AML, Compliance & Service Manager.

Mr. Riera graduated from Universidad Catolica Andres Bello (UCAB) Caracas – Venezuela and completed different management and law programs at the University of Richmond, Instituto de Estudios Superiores de Administracion (IESA) and Thunderbird School of Global Management.

Mr. Riera is a Certified Anti-Money Laundering Specialist (CAMS) and a Certified Professional in Anti-Money Laundering (CP/AML) by the Florida International Banking Association (FIBA).

He is fluent in English and Spanish.

Juan Carlos is not a registered representative with nor is he affiliated with INTL FCStone .


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