about us

About PWR Retirement Group

PWR Retirement Group is a team of MDRT-recognized financial professionals dedicated to helping individuals and businesses achieve financial security. With extensive industry experience and recognition from MDRT and CFPA, the firm provides personalized financial strategies designed to protect families, grow businesses, and support long-term retirement planning. Through expert guidance, strategic planning, and client-focused service, PWR Retirement Group empowers clients to confidently navigate their financial future.

$1.2B+

Retirement Assets Guided

5,000+

Clients served nationwide

20+

Years of expertise

34%

Avg. tax rate reduction
Our Principles

What Drives Us Forward

OUR MISSION

Our mission is to empower clients with the knowledge, strategies, and guidance needed to build a secure and prosperous financial future through personalized solutions, integrity, and transparency.

OUR VISION

Our vision is to be a trusted leader in financial planning, empowering individuals and families to achieve lasting financial security, stability, and independence through expert guidance and forward-thinking strategies.

OUR VALUES

At PWR Retirement Group, we serve our clients with integrity, excellence, innovation, and a client-first commitment to long-term financial success, stability, and lasting prosperity and Growth.

Our Experts

Get Advice From Expert

Jonathan Pacheco Rivera

CEO at PWR retirement group

Jonathan brings deep expertise in retirement income planning, tax reduction strategy, and life insurance solutions. He has spent his career helping federal employees, business owners, and families across Puerto Rico and the U.S. mainland build comprehensive financial plans that actually work together.

Jonathan Pacheco Rivera

CEO at PWR retirement group

Ronaldo Padua

Federal Benefits Specialist

Ronaldo's background in federal HR and veteran services gives him a distinctive perspective on FERS benefits, TSP optimization, and the financial challenges facing the federal workforce. He delivers workplace workshops in partnership with AFGE locals and federal agencies nationwide.

Ronaldo Padua

Federal Benefits Specialist

The PWR Advisory Team

Coordinated Multi-Discipline Advisory

Behind every client plan is a coordinated team — licensed advisors, insurance specialists, tax coordinators, and estate planning partners — working as one unit. The PWR team model ensures every decision is reviewed from multiple perspectives before it becomes part of your plan.

The PWR Advisory Team

Coordinated Multi-Discipline Advisory

Jonathan Pacheco Rivera

CEO at PWR retirement group

I'm Jonathan Pacheco Rivera, a Financial Advisor helping individuals build tax-efficient strategies and long-term retirement plans.

Jonathan Pacheco Rivera

CEO at PWR retirement group

Jonathan Pacheco Rivera

CEO at PWR retirement group

I'm Jonathan Pacheco Rivera, a Financial Advisor helping individuals build tax-efficient strategies and long-term retirement plans.

Jonathan Pacheco Rivera

CEO at PWR retirement group

Jonathan Pacheco Rivera

CEO at PWR retirement group

I'm Jonathan Pacheco Rivera, a Financial Advisor helping individuals build tax-efficient strategies and long-term retirement plans.

Jonathan Pacheco Rivera

CEO at PWR retirement group

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App features

Reasons to Download Our Application Today

  • PWR puts your retirement planning, benefits guidance, and financial tools in one secure app. Access everything easily, track your progress in real time.

  • Every financial journey is different. PWR focuses on your goals, benefits, and timeline—delivering guidance built around you, not a generic plan.

  • PWR gives you access to workshops, live events, and podcasts that simplify complex financial topics into clear, practical insights.

Download The PWR App Now
Google Play App Store
Free — No Obligation

Get a Personalized Roadmap For Your Retirement Future.

Schedule a complimentary 30-minute consultation to discuss your goals, explore personalized retirement strategies, and gain clarity on the next steps toward financial confidence.

book free consultation call (787) 688-4991
Who We Serve

Built for the People Most Firms Overlook

Federal Employees & Veterans

TSP rollovers, FERS optimization, and retirement income planning tailored to the unique structure of federal service benefits.

TSP FERS 403(b)

Business Owners

Entity governance, succession planning, buy-sell agreements, executive comp, and coordinated exit strategy aligned with retirement income.

Succession Governance Exit

Self-Employed Professionals

Keogh plans, S-Corp elections, defined benefit plans, and power banking — maximizing savings and minimizing taxes for independent earners.

Keogh S-Corp IUL

Executives & Key Employees

Deferred compensation, golden handcuff strategies, executive bonus plans, and IUL income — designed for high-compensation careers.

NQDC Section 162 IUL

High-Income Families

Estate planning, life insurance, tax reduction, and retirement income coordination — protecting and growing family wealth across generations.

Estate Trust IUL

Puerto Rico Clients

Act 60 tax incentives, fideicomisos, bilingual advisory, and retirement planning tailored to Puerto Rico law and community values.

Act 60 Fideicomiso EN/ES
Our blogs

read latest news & insights

View Updates
Why Miami Retirees Are Choosing Guaranteed Income

Why Miami Retirees Are Choosing Guaranteed Income

30 April, 2026
Why Miami’s Tax Environment Matters in Retirement Planning

Why Miami’s Tax Environment Matters in Retirement Planning

30 April, 2026
How Inflation Impacts Retirement Savings in Chicago

How Inflation Impacts Retirement Savings in Chicago

27 April, 2026
FAQ’s

Common Questions,

Clear Answers

Get Expert Guidance

Yes. PWR Retirement Group works with business owners to help address the financial challenges that come with building, managing, and transitioning a successful business. Our team provides guidance on retirement planning, business protection strategies, succession considerations, and long-term wealth preservation. By aligning personal and business financial goals, we help owners create a more coordinated approach to protecting what they've built while preparing for future opportunities and life beyond the business.

At PWR Retirement Group, we help clients prepare for retirement by creating personalized strategies tailored to their goals, lifestyle, and financial situation. Our approach goes beyond saving for retirement—we help evaluate income needs, identify potential risks, review available benefits, and develop a plan designed to support long-term financial confidence. Through ongoing guidance and proactive planning, we help clients make informed decisions, adapt to life's changes, and move toward retirement with greater clarity, confidence, and peace of mind.

Business owners frequently encounter financial planning challenges that extend beyond their personal financial needs.They must balance business growth, cash flow management, employee retention, risk protection, and retirement planning while continuing to make important decisions that impact both their company and family. In addition, many business owners need to consider succession planning, wealth preservation, and how to transition out of their business when the time comes. A well-structured financial strategy can help bring these priorities together and support both current goals and long-term financial confidence.

It's generally a good idea to review your retirement plan at least once a year to ensure it still aligns with your goals, financial situation, and retirement timeline. Regular reviews can help you stay on track and identify opportunities or challenges before they become larger concerns. You should also consider reviewing your plan after major life events such as a job change, retirement, inheritance, marriage, divorce, or significant market changes. Keeping your strategy up to date can help you make informed decisions and maintain confidence in your long-term financial future.

Clients choose PWR Retirement Group because they value personalized guidance, proactive planning, and a team that takes the time to understand their unique goals. We believe every financial journey is different, which is why we focus on strategies tailored to each client's needs and priorities. Our commitment to education, transparency, and long-term relationships helps clients make informed decisions with greater confidence. At PWR, we're dedicated to helping individuals, families, business owners, and federal employees prepare for a stronger financial future.