Value Proposition

We bring a world of knowledge and decades of experience  to generations of clients in the U.S. and abroad. 
Most satisfying are their referrals to those who can benefit from trusted advisors and our boutique-like attention.

A Heritage of Trust and Care

At The Fiala Ruivo Group, we value the relationships we enjoy with clients and believe that they do the same. Virtually all of those we’ve served over the years remain our clients today. A growing number have referred others – friends, colleagues and family members across continents and generations.

At the core of our offering is a commitment to act as caring, trustworthy stewards of clients’ interests – financial and otherwise. Thanks to the breadth and depth of each relationship, we find it easy to treat clients like members of our own families. In face-to-face meetings, we try to ask questions of both spouses and, when appropriate, clients’ grown children. We see clients as people, not portfolios. We consider many clients to be among our closest friends.

Each of us speaks the language – and understands the culture – of our clients. As bi-lingual and bi-cultural advisors, we can help clients feel comfortable telling us about their proudest accomplishments and greatest concerns. Clients come to us with wealth, but have little time to manage their substantial assets. In hearing stories from clients, we learn that their hearts and minds are typically focused on positioning family members for results in the near future and for generations to come.

Regardless of what drives clients, we are driven to be their “first and only call” when any issue arises – from liquidity to lending, from investing to intergenerational wealth planning. Decades of experience have provided us with a rich repository of knowledge – having addressed issues that are similar and often identical to what clients face today.

Given our attitude and aptitude, we have attracted clients and families we’ve long admired. We are proud to serve them and even prouder of the manner in which we do.

*Banking and lending services provided by Bank of America, N.A.

What Clients Can Expect

At The Fiala Ruivo Group, we summon our wealth of knowledge and complementary skillsets to create uncommon value for clients and their families. The quality and longevity of our client relationships remind us of the roles we play and the trust we’ve earned.

As our client, you can expect that we will:

• Talk to you frequently – more often than a previous advisor might have. In fact, speaking to you once every two months is not common. By staying on top of your situation and ambitions, we can provide the level of wealth management that is proactive, rather than reactive.

• Coordinate efforts, when helpful, with your CPA and attorney – whether you reside in the U.S. or abroad. Tax consequences are critical, which is why we will focus on yours throughout the year, not just at “tax time.” Equally important is your intergenerational wealth planning strategy, which we will help design to allow your assets to pass along efficiently to family members in accordance with your wishes. Extending our reach beyond what many advisors do, we provide what we call “pre-estate planning services” – saving clients time by giving our thoughts and notes to their attorneys.

• Work dynamically and responsibly with multiple generations of your family. Our team members’ ages align nicely with older and younger clients – allowing us to nurture relationships with each member of your family. As a team, we will talk, travel and meet with you – as often as needed. It is our belief that “Every client is everyone’s business.”

• Apply our extensive understanding of regulations in the United States and internationally. Our deep knowledge of currency issues, inflation, wealth transfer and tax consequences also allow us to construct forward-thinking wealth management strategies meant to serve future generations.

• Invest with a seasoned and watchful eye on global conditions and opportunities. If you reside in abroad chances are you favor investments in U.S. dollars. To help mitigate portfolio risk, we focus on diversification across asset classes and sectors. We also look to optimize both sides of your balance sheet – assets and liabilities. Offering the worldwide capabilities of Bank of America, N.A., we can help you access residential, securities-based, and commercial lending. On your behalf, we will call upon specialists throughout the firm. Bringing these people to the table can represent a rare combination of sophistication, resourcefulness, customized strategies and an extra measure of unbiased insight.