Our Financial Services Professionals

Our Financial Services Representatives will work closely with you to understand your unique situation and goals, and provide you with solutions to help you prepare for your future.

Arnaldo Toledo Ortiz
- Email: atoledoortiz@financialguide.com
- Phone: (787) 758-2244
- Fax: (787) 759-9646
- Meet Arnaldo
Benigno (Nino) Pineiro
- Email: b.pineiro@financialguide.com
- Phone: (787) 758-2244
- Meet Benigno
Carmen Ramírez

Financial Services Professional / Registered Representative
- Email: cramirez@financialguide.com
- Phone: (787) 758-2244 x5262
- Fax: (787) 759-9646
- Meet Carmen
Celso Q. Rodríguez González LUTCF®
- Email: celsorodriguez@financialguide.com
- Phone: (939) 642-0469
- Fax: (787) 803-0456
- Meet Celso
Carlos La Verde CPA*, PFS
- Email: claverdeperez@financialguide.com
- Phone: (787) 209-8050
- Meet Carlos
George Neste
- Email: gnestegallisa@financialguide.com
- Phone: (787) 758-2244
- Meet George
Ivonne Crespi-Borras
- Email: icrespi@financialguide.com
- Phone: (939) 644-5553
- Fax: (787) 759-9646
- Meet Ivonne
Javier A. Cruz Aponte JD**

Registered Representative
- Email: jcruzaponte@financialguide.com
- Phone: (787) 758-2244 x5277
- Fax: (787) 759-9646
- Meet Javier
Joanmery Almodovar MBA

Financial Services Professional
- Email: jalmodovarmedina@financialguide.com
- Phone: (787) 709-1254
- Meet Joanmery
Jorge I. Gonzalez BFA
- Email: jorgegonzalez@financialguide.com
- Phone: (787) 758-2244 x5233
- Meet Jorge
José Alicea Cruz MBA

Investment Advisor Representative
- Email: jaliceacruz@financialguide.com
- Phone: (787) 758-2244
- Fax: (787) 759-9646
- Meet José
José (Pepe) Fernández Leal MBA
- Email: josefernandez@financialguide.com
- Phone: (787) 787-1107
- Fax: (787) 778-4762
- Meet José
Jose J. Santiago Vega

Finance Service Professional
- Email: josejsantiago@financialguide.com
- Phone: (939) 717-7625
- Fax: (787) 777-1349
- Meet Jose
Jose Rivera Caamano
- Email: jriveracaamano@financialguide.com
- Phone: (787) 777-5279
- Meet Jose
Joseph Sandoval Román

Managing Associate
- Email: JSANDOVALROMAN@FINANCIALGUIDE.COM
- Phone: (787) 501-2595
- Meet Joseph
Luis Pérez González FSCP®

Investment Advisor Representative
- Email: luisperez@financialguide.com
- Phone: (787) 758-2244 x5226
- Fax: (787) 759-9646
- Meet Luis
Maricarmen Maisonet Gonzalez CFP®, ChFC®

Investment Adviser Representative | Financial Planner
- Email: mmaisonetgonzalez@financialguide.com
- Phone: (787) 758-2244
- Fax: (787) 759-9646
- Meet Maricarmen
Norman F. Ramos-Jorge JD**
- Email: nramosjorge@financialguide.com
- Phone: (787) 758-2244
- Meet Norman
Ricardo A. Cruz Emmanuelli

Financial Advisor
- Email: rcruz@financialguide.com
- Phone: (787) 758-2244 x5352
- Meet Ricardo
Ricardo Ramírez-Cortés

Managing Associate
- Email: RRAMIREZ@FINANCIALGUIDE.COM
- Phone: (787) 787-1107
- Fax: (787) 778-4762
- Meet Ricardo
Viviana Carrasquillo Zavala

Registered Representative
- Email: vcarrasquillozavala@financialguide.com
- Phone: (787) 418-6025
- Meet Viviana

*Not practicing on behalf of Massachusetts Mutual Life Insurance Company (MassMutual) or its affiliated companies.

**Not practicing on behalf of Massachusetts Mutual Life Insurance Company (MassMutual) or its affiliated companies.

Agency officers are not officers of MassMutual.

CRN201710-172126