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aid to Financial navigation

Our Mission

To offer independent, ethical and conflict free investment consulting services designated to ensure that our clients achieve their financial goals.


At ATON FINANCIAL LLC, we bring a fresh perspective on investment advisory and financial planning services to our clients in Puerto Rico and throughout the United States. As an RIA (registered investment advisor), we have a fiduciary responsibility to work in our clients’ best interests, and we do exactly that.

Our experienced advisors offer independent, ethical and conflict-free investment consulting services designed to help our clients achieve their financial goals. Serving all ages, backgrounds and professions, we would love to help direct you on the best financial path for your unique situation.

Transparent,
conflict-free advice you can trust

Transparency That Brings Peace of Mind

Unlike brokerage firms, which are held to a lesser regulatory standard and partial to proprietary products, we at ATON FINANCIAL are free to choose investments and resources that best meet your objectives. We are an independent firm, free from potential conflicts of interest or biased advice that can arise from misaligned incentive or commission-based structures.

Tailor-made Solutions. Smarter Investments. Meaningful Results. 

Because we know no two clients are alike, we offer reasonable investment and asset management recommendations based on a thorough understanding and analysis of your individual financial circumstances, risk profile, priorities and goals. We listen and work with you to trace a financial plan that allows for the active accumulation, preservation and perpetuation of your assets. 

A Straightforward Approach.

 WE DO:

  • Align our interest objectives solely with those of our clients
  • Understand individual clients’ needs and act in their best interest
  • Search for optimal strategies to improve client performance
  • Adhere to a “best-of-breed” philosophy when building portfolios
  • Combine experience and extensive resources with objectivity to provide unbiased advice to meet clients’ goals 

WE DON’T:

  • Receive compensation from anyone other than our clients -- we believe that there would be an inherent conflict of interest
  • Limit ourselves to proprietary platforms, investment products or research
  • Allow for misaligned incentive or commission structures that can affect output


Always Putting You First

Being an RIA, ATON FINANCIAL differs from traditional broker dealers and we pledge the following:  

  • Being a fiduciary and following legal requirements
  • A commitment to doing what is in the best interest for the client
  • Transparency with clients
  • Maintaining integrity throughout all transactions

Establishing a registered investment advisor (RIA) firm in Puerto Rico was the idea of Marko Rendic while he studied for the CFA® almost a decade ago. He felt that his clients in Puerto Rico and the United States, had gotten tired of the traditional firms, specifically broker dealers, and were looking for alternative firms to help them invest for their future. He opened ATON FINANCIAL LLC to address their needs in August 2014. The firm has expanded rapidly since then and now includes a team with broad experience and one thing in common: a passion for helping our clients succeed. 

 

Marko Rendic Trigo, CFA® Photo

Marko Rendic Trigo, CFA®

Founder and Managing Principal
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Marko Rendic Trigo, CFA®

Founder and Managing Principal

Coming Soon

Eduardo Cases, CAS® Photo

Eduardo Cases, CAS®

Principal
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Eduardo Cases, CAS®

Principal

Eduardo joined ATON Financial in 2016 as a Principal and has been dedicated to helping CEOs, executives, solopreneurs and physicians achieve their personal and corporate financial goals. Since entering the financial services industry in 2003 his commitment toward understanding his clients’ needs and developing integrated solutions designed to fit those requirements is what defines him as a professional. Prior to ATON Financial, Eduardo worked as a vice president at Axa Advisors in the San Juan office and has also been employed by Santander Securities as a manager working from investments, insurance and estate planning to retirement planning and charitable giving. His multidisciplinary approach towards capital preservation and risk-management is devised to produce steady retirement income.

Eduardo received his B.S. in Science from the University of Puerto Rico. He holds the designation of Certified Annuity Specialist and is currently on the process of completing the Certified Financial Planner designation.

Eduardo currently lives on Orlando, Florida where he enjoys an active lifestyle following around his 4-year-old boy Gustavo and 2-year-old twins Victoria and Camila. Eduardo was born in San Juan, Puerto Rico and is the youngest of 5 boys. When he can, he enjoys playing golf and exercising and is married to his college sweetheart Dr. Lourdes Benes who is a neurologist.

Christopher McDowall Photo

Christopher McDowall

Principal
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Christopher McDowall

Principal

Coming Soon

Carmen Trigo Photo

Carmen Trigo

Principal
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Carmen Trigo

Principal

Coming Soon

Andres Arsuaga Photo

Andres Arsuaga

Wealth Advisor
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Andres Arsuaga 

Wealth Advisor


Nelson Cintrón Rodriguez, CLU®, ChFC® Photo

Nelson Cintrón Rodriguez, CLU®, ChFC®

Wealth Advisor
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Nelson Cintrón Rodriguez, CLU®, ChFC®

Wealth Advisor

Coming Soon

Ligia E. Laureano González, MBA Photo

Ligia E. Laureano González, MBA

Director of Client Services
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Ligia E. Laureano González, MBA

Director of Client Services

Ligia Laureano is the Director of Client Services for ATON Financial. She is responsible for operational duties; servicing clients through diligent and detailed follow up and serve as liaison between ATON Financial and its clients.  Ligia is a focused and detail-oriented financial service professional; she has more than 7 years of experience in broker-dealer operations, client services, team leadership, and process improvements. She possesses the ability to effectively resolve disputes and create innovative solutions that meet the needs of financial advisors and clients alike while still complying with company policies and procedures. She has a Bachelor’s Degree in Business Administration & Finance and a Master of Business Administration in Management of International Enterprises. She can be reached at the 787-725-6070 or llaureano@atonfinancial.com

Marilda Cordero Photo

Marilda Cordero

Client Services Associate
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Marilda Cordero

Client Services Associate

Marilda has been with ATON Financial since 2014, overseeing all the administrative functions in the office as Client Services Associate. You can direct any administrative issues you have her way and she’d be happy to help you. She is the friendly voice that will most likely greet you when you call the ATON Financial office. You can reach Marilda at (787) 725-6070 or mcordero@atonfinancial.com

Daniel Baez Photo

Daniel Baez

Client Services Associate
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Daniel Baez 

Client Services Associate

Polo Photo

Polo

Chief Personality Officer
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Polo

Chief Personality Officer

Coming Soon

ATON maintains a strong working relationship with the Chartered Financial Analyst® (CFA) Institute. Through its education, standard setting and advocacy programs, the Chartered Financial Analyst® Institute sets the international benchmark by which to measure the knowledge, integrity and professionalism of an investment adviser. The CFA® designation has become the most respected investment designation globally and is considered to be the definitive standard for measuring competence in the fields of portfolio management and investment analysis.

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

 

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 about much more than picking stocks or mutual funds; it requires an understanding of economics, corporate finance, asset valuation and portfolio construction and management.

Industry Recognition

While there are a number of reputable credentials in the financial industry, none are as rigorous or as widely respected as the CFA® designation.


The American College is the leading non-profit educator of professionals in the insurance and financial services industry. Since 1927, The American College has carried on the mission inherited from its founder, Dr. Solomon S. Huebner whose work in the world-renowned Wharton School of the University of Pennsylvania led to a dramatic change in the professional standing and credibility of the American financial industry.

What is a Chartered Financial Consultant® or ChFC®?  A ChFC® is a designation that represents a comprehensive education that address all aspects of personal financial planning with focus on practical, real world applications. A ChFC® can help you plan for short and long term financial goals, give expert advice on investment, insurance, estate planning budgeting and more. Leverage on life insurance products as part as a successful financial plan, consult on income tax and estate planning issues for special needs families and deliver specialized financial plan for business owners.

The premier designation for insurance professionals. Launched in 1927, the Chartered Life Underwriter® or CLU® is the insurance profession's oldest standard of excellence. Today, it continues to be the credential for practitioners who desire to provide their clients with the security of life insurance and risk management. Since its inception, tens of thousands of financial services professionals have obtained this prestigious designation. With particular emphasis placed on ethics and commitment to clients, the CLU® has earned a distinguished reputation backed by security and stewardship.

Learn More


Our Clients' interests come first. Period.

Providing a Road Map on Where to Go

Financial planning is the cornerstone of what we do, serving clients of all backgrounds to provide sound financial advice on how to best handle educational costs, retirement and estate plans, and more. Without financial planning, clients are adrift and find they have to change their investments and tax strategies constantly. 

When you work with ATON FINANCIAL, you can expect professional advisors who spend a month or two asking the right questions and learning your entire financial story before creating a plan and recommending investments. It may sound simple, but most of the financial industry doesn’t conduct business this way, and your finances can suffer as a result.

Customized Investment Portfolios

At ATON we specialize in crafting custom investment portfolios in order to maximize your risk-adjusted returns, after taxes, inflation, and fees. We believe your investment portfolio should be structured around the financial plan we develop together and should be built to help you reach your short- and long-term goals. 

In order to help you reach those goals, our team follows an investment philosophy that is based around diversification and rebalancing. Our ultimate goal is to help you develop an appropriate target asset allocation for the portfolio, then implement that target portfolio and monitor the results. 


Your Needs Are Our Guiding Principle

ATON initiates the investment process by assessing and understanding each client's needs, circumstances, priorities and goals. Due diligence is followed by setting clear financial objectives to achieve an active accumulation, preservation and perpetuation of our clients’ assets.

ATON’S Four-Step Investment Process


Your needs are at the center of everything we do. That's why our operating model begins with understanding your goals, followed by creating an active plan and crafting a transparent and efficient investment portfolio in order to stay on course. At ATON, we think that the end product will be the outcome of well-researched, productive asset allocation and management, grounded on fiduciary responsibility and conflict-free resolve.

Peace of Mind

Risk management involves a multistep process that will help you build your future on a solid foundation. Risk can come from various sources like financial markets, legal liabilities, accidents, natural causes and events of uncertain or unpredictable causes.

Because risk is inherent in everything we do as a society, the types of roles undertaken by risk professionals are incredibly diverse. ATON has specialized team members in risk management dedicated to help you secure your future, so that you can stay focused on the present. 

Take the next step toward peace of mind.

Tailor-Made Solutions
Smarter Investments
Meaningful Results

Helpful Information Straight to Your Inbox

Clients of ATON FINANCIAL receive our monthly newsletter containing important and helpful information regarding their finances with articles from established news sources such as Barron’s and MarketWatch. Our newsletter is customized and segmented to clients by institutions and professions they share. We also send special updates for breaking news. Sign up below to get on our mailing list and indicate you want to receive our newsletter.


FAQs for You

What is a Fiduciary?

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.

Why should I choose a Registered Investment Advisor (RIA)?

What are the differences between RIAs and RR Broker Dealers?

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.

What will a financial advisor provide to me?

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.

Getting Started is Easy

While every first conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.

To help prepare for an initial meeting with our team, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term? We want to know! Fill out the form below, and let's talk.