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IN TEAM
AT MASSMUTUAL
PUERTO RICO
IN a MassMutual Puerto Rico Team, with a combination of education, experience, professionalism, access to a wide variety of products and services and driven by honesty, integrity, excellence and accountability, we want to help others meet their financial goals, insurance needs and estate strategies.
VISION
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Empower families and
professionals to take action
on their financials needs.
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MISSION
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Build a community that is
financially stable and protected
against financial adversities.
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IN
A MASSMUTUAL PUERTO RICO TEAM
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Maricarmen Maisonet González, CFP®, ChFC®
Investment Adviser Representative
Financial Planner
Guiding Your Financial Journey
Maricarmen is an experienced Investment Adviser Representative and holds the designations of CERTIFIED FINANCIAL PLANNER™ (CFP®) and Chartered Financial Consultant (ChFC®). Since 2008 in the financial industry, she has helped individuals and families achieve financial confidence through personalized planning and investment strategies that align with their goals.
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Her expertise spans risk analysis, portfolio construction, and wealth management. Previously, as an Investment Specialist for MassMutual Puerto Rico, Maricarmen honed her ability to craft tailored financial solutions that address each client’s unique needs. She holds FINRA securities and investment adviser licenses, as well as life, variable products, and disability insurance licenses.
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Maricarmen’s leadership shines as former president of the Women in Insurance and Financial Services Puerto Rico chapter and as a member Million Dollar Round Table (MDRT), a global, independent association of the world's leading life insurance and financial services professionals. She coaches and helps other agents and advisor develop financial services practices with purpose.
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Outside of work, Maricarmen is a passionate dog rescuer, karaoke enthusiast, and proud wife and mother to Carlos Armando.
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Her mission is to empower families to navigate the complexities of their finances with clarity and peace of mind.
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Check the background of this investment professional on FINRA’s BrokerCheck.
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Javier A. Cruz Aponte, JD*
Registered Representative
Your Partner in Financial Security
Javier is a dedicated Financial Services Professional and Registered Representative who has been helping families, business owners, and professionals navigate their financial journeys since 2017. With a focus on protection planning and retirement readiness, Javier’s mission is to instill confidence and security in his clients’ financial futures.
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Javier’s diverse academic background enriches his approach. He holds a bachelor’s degree in Business Administration with a concentration in Human Resources and is a licensed attorney, equipping him to address complex financial scenarios with a unique perspective. He also holds FINRA general securities registration and life and disability insurance licenses, ensuring his clients benefit from comprehensive financial solutions.
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Outside the office, Javier finds joy in being a proud father to twin girls. He is passionate about fishing, golfing, and exploring Puerto Rico’s beauty with family and friends. These personal passions reflect his belief in creating a balanced and fulfilling life, a value he extends to his clients.
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Javier’s commitment to financial education and protection empowers his community to build lasting legacies of harmony and security.
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​Check the background of this investment professional on FINRA’s BrokerCheck
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*Licensed but not practicing on behalf of MassMutual or MML Investors Services, LLC or its affiliated companies.
Roberto A. Guardiola Díaz
Managing Director
Inspiring Leadership in Finance and Beyond
As Managing Director of MassMutual Puerto Rico, Roberto brings decades of expertise and mentorship to our team. Since beginning his financial career in 1993, Roberto has built a legacy of success by crafting tailored financial strategies for businesses and families, partnering with leading life insurance companies, and leading high-performance sales teams.
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Roberto’s entrepreneurial spirit gives him a deep understanding of business owners’ challenges, enabling him to deliver innovative solutions that help clients achieve their goals. He is also a sought-after speaker on financial protection, long-term care, and retirement planning.
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A FINRA-registered representative, Roberto holds licenses in life, disability, and health insurance. He is a member of Million Dollar Round Table (MDRT), a global, independent association of the world's leading life insurance and financial services professionals. Roberto is an active mentor through General Agents Management Association (GAMA). His leadership roles with NAIFA Puerto Rico as Secretary, Director, and President reflect his significant contributions to the financial industry.
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Outside of finance, Roberto’s passion for the arts shines. A collector, supporter of local artists, and artist himself, he fills our Hato Rey office with inspiring creations, blending financial wisdom with cultural appreciation.
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Roberto’s commitment to fostering financial security and cultural enrichment makes him a cornerstone of our team and community.
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Check the background of this investment professional on FINRA’s BrokerCheck.
Ivonne Crespí Borrás
Registered Representative
Empowering Financial Confidence
Ivonne Crespi Borrás is a seasoned Financial Services Executive with over 25 years of dedication to crafting protection strategies tailored to her clients’ unique needs. Since beginning her career in 1996, Ivonne has focused on serving business owners across Puerto Rico, Florida, and North Carolina, offering expertise in life, disability, long-term care, property and casualty, and health insurance.
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As a FINRA-registered Investment Company Products and Variable Contracts Representative, Ivonne provides clients with comprehensive asset accumulation, investment, and distribution strategies. Her holistic approach to financial management and financial analysis empowers families and businesses to achieve lasting security and stability.
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Ivonne holds a bachelor’s degree in finance from the University of Puerto Rico and has completed coursework toward the Financial Services Certified Professional® designation. Her accomplishments have been recognized widely, including being featured in Women Who Lead in Caribbean Business and receiving the 2022 MassMutual Puerto Rico Extraordinary Woman Award.
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Beyond her professional achievements, Ivonne is a founding member of the Women in Insurance and Financial Services Puerto Rico chapter and a dedicated board member for Hospital del Niño, supporting healthcare and rehabilitation services for children.
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Affectionately called "Bonchi" by clients and loved ones, Ivonne is a proud mother, visionary entrepreneur, and devoted wife to Fernando Rivera, a fellow insurance professional.
Her passion for helping business owners make sound financial decisions reflects her belief in achieving both financial success and a fulfilling family life.
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Check the background of this investment professional on FINRA’s BrokerCheck.
Héctor Rosario Rivera
Registered Representative
A legacy of Service and Financial Experience
Hector Rosario is a dedicated Financial Services Professional and Registered Representative with a rich background shaped by his service as a U.S. Army Veteran. Serving as a food specialist for an airborne unit in the 1990s, Hector learned the values of discipline, teamwork, and excellence—principles he carries with him in his financial career.
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After nearly a decade of honorable service, Hector transitioned to civilian life and pursued his passion for finance, earning a Bachelor’s degree in Accounting from the University of Ana G. Mendez. His academic foundation, combined with his experience as an accountant in the pharmaceutical industry, laid the groundwork for his successful career in financial services.
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In addition to his accounting background, Hector holds an associate degree in theology and is a licensed professional in life, disability, and property insurance. Since 1997, he has been committed to helping clients secure their financial futures, with a focus on guiding them toward comfortable retirement income through tailored financial solutions.
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Outside of work, Hector enjoys culinary adventures, cooking up dishes from various cuisines, and finds peace kayaking on tranquil waters. He values quality time with his two sons and is a proud grandfather.
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Hector’s mission is to build lasting relationships with his clients, helping them achieve financial security and a well-prepared retirement.
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Check the background of this investment professional on FINRA’s BrokerCheck.
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Xiomara Merced
Team Operations Leader
Xiomara is the practice management guru of the team. She has been working with high performance teams since 2000. Her experience in business management and leadership development provides our financial professionals with that much needed organization to deliver exceptional service to our clients. Being technology savvy, Xiomara oversees our team development leveraging in all technology resources available for our clients. Although most of the time, she is working behind scenes, Xiomara is available to serve our clients with their operational or administrative needs. Her formal education is in Management with a bachelor’s degree from the University of Phoenix. She also has studies in Underwriting Life and Health Insurance from LOMA as well as Executive Assistant Masterclass. Xiomara holds insurance license for Puerto Rico in Life, Disability and Health.
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She is a wife and mom of two teenager and three cats. Her love for cats got her involved in community affairs. Xiomara proudly fosters rescued cats and get them ready for their permanent loving homes. She is certified in Reiki and active promoter of living a balanced live.
Arlene Albares
Case Design Consultant
Arlene is our dedicated Case Design Specialist, ensuring clients receive personalized insurance strategies that align with their unique goals. Since 2005, she has transformed complex protection needs into clear, effective solutions, thanks to her expertise in life, disability, and health insurance in Puerto Rico.
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With a background in Criminal Justice from the Inter-American University of Puerto Rico, Arlene brings a well-rounded perspective to financial protection. Her commitment to excellence is reflected not only in her professional credentials but also in her personal life as a proud mother to a college graduate and a devoted caretaker of a resilient three-legged rescue pup.
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Outside of work, Arlene indulges her passions for reading, singing, and challenging her mind with Scrabble.
A fearless fan of horror cinema, she embraces life with enthusiasm and brings that same energy to her dedication in helping clients secure a stable financial future.
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Amelia Araujo
Relationship Manager
Amelia is one of our dedicated Relationship Managers, bringing nearly two decades of financial industry experience to our team. Since 2003, she has focused on truly understanding clients’ unique needs, ensuring every request is handled with care and efficiency. Renowned for her operational expertise, Amelia plays an instrumental role in implementing financial solutions that help clients move closer to their goals.
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Outside of work, Amelia is a proud mother to a teenager and a beloved pup. She expresses her creativity through dance and finds inspiration in the literary world of Isabel Allende. An avid moviegoer with a particular interest in biographies, she is also an enthusiastic self-learner, always seeking new ways to expand her knowledge. When she needs to recharge, Amelia turns to nature, finding solace and perspective in the great outdoors.
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Amelia’s genuine commitment to building meaningful connections sets her apart. Her passion for helping others, coupled with her personal interests, reflects a well-rounded and balanced approach that enriches both her professional contributions and our team as a whole.
María Victoria Natal
Relationship Manager
Maria Victoria is a dedicated Relationship Manager, supporting clients both directly and through registered representatives. With a career founded on customer service excellence and adept problem-solving, she brings resilience and adaptability to every client interaction. Recently, she earned a bachelor’s degree in International Relations from the Universidad del Sagrado Corazón, expanding her global perspective and fueling her passion for public policy.
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Her commitment to financial well-being shines through her knowledge of budgeting, investments, life insurance, and disability coverage—key tools for helping clients achieve security in an ever-changing economic climate. A firm believer in ongoing learning and innovation, Maria Victoria continuously seeks new ways to serve her clients’ best interests.
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Outside of work, Maria Victoria is a devoted mother to a one-year-old and a caring rescuer of two cats and two dogs. She finds joy in hiking, traveling, and immersing herself in nature’s rivers and oceans, reflecting her adventurous and nurturing spirit both personally and professionally.
Alliances
Rosalyn Seda Pérez
Financial Services Professional
Rosalyn is a seasoned Financial Services Professional whose mission is to help individuals make informed decisions about their finances. She began her career in 2020, focusing on protection planning, and quickly earned accolades like Rookie of the Year (2020), Freshman’s Five (2021), and the Leaders Award (2020 & 2021).
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Backed by a bachelor’s degree in Business Administration from the Interamericana University in San Germán, Rosalyn brings a multifaceted perspective to financial planning. Her innovative, “outside-the-box” approach is further enhanced by her diverse background in medical insurance and pharmaceutical work. Licensed in life, disability, and health coverage, she delivers solutions tailored to each client’s needs.
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When she’s not guiding clients toward financial security, Rosalyn enjoys quality time with her two daughters and grandson. She loves watching movies on Netflix, traveling, and creating meaningful moments with her family—reflecting her commitment to balance both in life and in finance.
Viviana Carrasquillo
Registered Representative
Viviana is dedicated to helping individuals and families navigate life’s important financial decisions. She takes the time to understand each client’s unique needs and priorities, crafting personalized strategies that address both current and future goals—whether preparing for retirement, funding a child’s education, or ensuring loved ones are protected.
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Licensed in Puerto Rico and Florida and affiliated with Massachusetts Mutual Life Insurance Company (MassMutual), Viviana collaborates with a team of professionals to offer comprehensive solutions, including life insurance, disability income coverage, and long-term care protection. Her commitment to personalized attention and deep expertise helps bring clarity and peace of mind to every client.
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Outside of work, Viviana embraces new experiences and treasures life to the fullest—values she carries into her approach for guiding clients toward a secure financial future.
Joanmery Almodovar
Financial Services Professional
Joanmery is a dedicated Financial Services Professional who began her journey in 2019 after earning a Master’s Degree in Finance from the University of Puerto Rico, Mayagüez. Specializing in protection planning, her alliance with the team reflects her commitment to providing comprehensive financial solutions.
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Beyond her client work, Joanmery serves as a founding member and board member of the Women in Insurance and Financial Services (WIFS), Puerto Rico chapter—underscoring her passion for empowering others through financial education.
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In her personal life, Joanmery is a loving wife, aunt, and godmother, as well as a devoted pet parent to Orion and Mishu. She enjoys snorkeling in Puerto Rico’s vibrant waters, playing the ukulele, getting lost in a good book, and savoring coffee from her favorite mug collection—all of which inspire the warmth and enthusiasm she brings to helping clients secure their financial futures.
SERVICES
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INvestments PlannINg INsurance
INDIVIDUALS
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• Personal Risk assessment
• Review Investment Allocation
• Investment Portfolio Stress Test
• Tailored Strategies for Tax and Estate
• In Depth Retirement Evaluation and Appraisal
• Protection Continuance Check-up
• Periodic Reviews​
BUSINESS
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• Employees Benefits Campaigns
• Executive Incentives Approaches
• Business Protection Plans
• Business Succession Assessment
LICENSES
Our Financial Services Representatives combine their education in financial services with their knowledge of the ever-changing insurance industry landscape to provide you with solutions for your unique situation. All Financial Services Representatives must pass comprehensive exams to obtain a license to sell products in your state.
INSURANCE
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We have individuals licensed to sell insurance products in the following jurisdictions:
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Puerto Rico | Florida | Texas | Pennsylvania
Georgia | North Carolina | Virginia
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SECURITIES
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We have individuals registered to offer securities in the following jurisdictions:
Puerto Rico | Florida | Texas | North Carolina
Ohio | Michigan | Maryland | Colorado
We can neither communicate with nor respond to requests from prospective clients who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business.
CONTACT
US
Telephone
787-641-1261
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TELL
US
VISIT
US
Edificio Las Nubes,
151 Federico Costas A-02
San Juan, P.R. 00918
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SCHEDULE AN
APPOINTMENT
We have all the tools required to work from anywhere, at any time. Please, schedule an appointment with us:
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RESOURCES
MassMutual
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Investor360
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MML Investors Services
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Personal Financial View - eMoney