Clarity that moves you forward

Obligated and Dedicated to Serve Clients First

ATON FINANCIAL stresses that it meets the legal requirements of being a fiduciary. This means we always put clients’ interest above our own benefit and disclose any potential conflicts when selling products. We can do this unlike some firms because we are privately owned rather than being held by a bank's shareholders who want it to make income over serving clients.

An RIA is an individual or firm that is compensated to give advice about investing in securities as well as to purchase, sell securities or issue analyses or reports about securities. RIA firms are registered with the Securities Exchange Commission (SEC) or their state regulator and must comply with the anti-fraud provision of the Investment Advisors Act of 1940, which imposes a duty to RIAs to act as fiduciaries in dealings with their clients.

What this means to you? Peace of mind. The RIA adviser must hold the client’s interest above his own in all matters, at all times.

As per the SEC, a RIA must:

• Make reasonable investment recommendations independent of outside influences;

• Select broker dealers based on their ability to provide the best execution of trades for accounts where the advisor has authority to select the broker dealer;

• Make recommendations based on a reasonable inquiry into a client’s investment objectives, financial situation, and other factors;

• Always place clients’ interests ahead of its own; and

• Have complete transparency of any compensation arrangement.

What this means to you? Smart, conflict-free, tailor-made financial solutions.

Working with a Registered Investment Advisor means your interests always come first. As fiduciaries, we’re legally and ethically required to provide guidance that’s objective, transparent, and free of commissions—so every recommendation is built around what benefits you, not us.

The differences between what an RIA can provide compared to a typical investment broker dealer (registered representative) are significant.

RIAs

• Fiduciary Responsibility: Required to act as fiduciaries, RIAs must always put their clients’ interest above their own. They must declare any potential conflict of interest that may arise.

• Conflict-free Advice: RIAs are compensated by fee for advice given.

RR Brokers

• Suitability: RR brokers are only required legally to recommend investments that are “suitable” at the time of purchase for the client. They have no fiduciary responsibility to disclose that the recommendation was in the best interest of the client.

• Commission-based Transaction: A RR broker is compensated by commissions of products sold.

We begin by understanding your full financial picture—your goals, priorities, timeline, and comfort with risk. From there, we design a tailored portfolio grounded in discipline, diversification, and long-term strategy. Your plan evolves with you, and we guide you through every adjustment along the way.

Our fees are simple and transparent. We operate on a fee-based model, meaning we’re compensated only by you—not by commissions or third parties. This ensures that our advice remains fully aligned with your goals and free from conflicts of interest.

Yes. While we’re proudly based in Puerto Rico, we work with clients across the U.S. and abroad. No matter where you are, you’ll receive the same level of personalized guidance, attention, and access to our full suite of services.

Unlike broker-dealers, who may earn commissions or sell proprietary products, we provide independent, fiduciary guidance with no incentives attached. We don’t “wear two hats”—our only role is to advise, protect, and guide you with objectivity and transparency. It’s a relationship built on alignment, not sales.

The financial advisor you choose will both have access to intimate, detailed information regarding your personal finances and entrusted to manage your financial future. When deciding who to choose to be your aid to financial navigation, make sure he or she possesses:

Strong Ethics The integrity of your adviser is of the utmost importance. It is essential that you can be confident that your interests will always come first. A Global Perspective In an ever-changing global economy, your adviser needs to have the resources and expertise to identify investment opportunities, both domestically and abroad. Knowledge and Experience Managing your wealth is more than picking stocks or mutual funds. It requires an understanding of economics, corporate finance, asset valuation and portfolio construction and management.