BTO Financial Group
our team
BTO Financial Group
Our team
Experienced Guidance for Retirement Planning Decisions
Our team focuses on education, clarity, and transparency when discussing insurance-based financial planning strategies with a focus on retirement. We take the time to explain options, answer questions, and support informed decision-making—without pressure or promises.
Meet the Team of Professionals
Alex Rivera
Licensed Insurance Professional
Alex Rivera brings over twenty-two years of engineering experience to retirement planning, with a background in precision, systems thinking, and patent development. Licensed in Virginia, Minnesota, and North Carolina, he applies analytical discipline to evaluate risk, constraints, and long-term outcomes before recommending strategies. His education-driven approach helps individuals and families understand how retirement tools work together to create plans that are durable, intentional, and built for real-world conditions.
Alberto Hernandez
Licensed Insurance Professional
Alberto Hernandez brings more than twenty years of aerospace engineering experience to retirement planning, having supported mission-critical programs for NASA, Lockheed Martin, Boeing, and Pratt & Whitney. Licensed in NJ, PR, TX, NC, IL, FL, and VA, he applies systems-level thinking to evaluate risk, structure, and durability. His education-focused approach helps individuals and families design retirement plans with the same rigor, reliability, and long-term performance expected in aerospace systems.
Brenda Del Valle
Teacher Retirement Planning Expert
Brenda Del Valle brings firsthand insight into educator retirement planning through six years of experience as a classroom teacher. She plays a key role in shaping teacher-focused plan recommendations by grounding strategies in real educator needs and decision-making realities. With experience across public, private, charter, and education-related organizations, and a strong network of education leaders, Brenda ensures planning approaches remain practical, relevant, and authentically aligned with how educators think and plan.
Esperanza Dominguez
Digital Marketing Director
Esperanza Dominguez leads social media and digital campaigns with expertise in content creation, audience engagement, and digital strategy. She focuses on translating complex topics into clear, relatable messaging that builds trust and connection. In addition to her work here, she is forming a nonprofit organization, reflecting her commitment to mission-driven communication. Esperanza ensures digital outreach remains thoughtful, authentic, and aligned with long-term, education-first goals.
Alex Rivera
Licensed Insurance Professional
Alex Rivera brings over twenty-two years of engineering experience to retirement planning, with a background in precision, systems thinking, and patent development. Licensed in Virginia, Minnesota, and North Carolina, he applies analytical discipline to evaluate risk, constraints, and long-term outcomes before recommending strategies. His education-driven approach helps individuals and families understand how retirement tools work together to create plans that are durable, intentional, and built for real-world conditions.
Alberto Hernandez
Licensed Insurance Professional
Alberto Hernandez brings more than twenty years of aerospace engineering experience to retirement planning, having supported mission-critical programs for NASA, Lockheed Martin, Boeing, and Pratt & Whitney. Licensed in NJ, PR, TX, NC, IL, FL, and VA, he applies systems-level thinking to evaluate risk, structure, and durability. His education-focused approach helps individuals and families design retirement plans with the same rigor, reliability, and long-term performance expected in aerospace systems.
Brenda Del Valle
Teacher Retirement Planning Expert
Brenda Del Valle brings firsthand insight into educator retirement planning through six years of experience as a classroom teacher. She plays a key role in shaping teacher-focused plan recommendations by grounding strategies in real educator needs and decision-making realities. With experience across public, private, charter, and education-related organizations, and a strong network of education leaders, Brenda ensures planning approaches remain practical, relevant, and authentically aligned with how educators think and plan.
Esperanza Dominguez
Digital Marketing Director
Esperanza Dominguez leads social media and digital campaigns with expertise in content creation, audience engagement, and digital strategy. She focuses on translating complex topics into clear, relatable messaging that builds trust and connection. In addition to her work here, she is forming a nonprofit organization, reflecting her commitment to mission-driven communication. Esperanza ensures digital outreach remains thoughtful, authentic, and aligned with long-term, education-first goals.
Meet the Team of Professionals
Alex Rivera
Licensed Insurance Professional
Alex Rivera brings over twenty-two years of engineering experience to retirement planning, with a background in precision, systems thinking, and patent development. Licensed in Virginia, Minnesota, and North Carolina, he applies analytical discipline to evaluate risk, constraints, and long-term outcomes before recommending strategies. His education-driven approach helps individuals and families understand how retirement tools work together to create plans that are durable, intentional, and built for real-world conditions.
Alberto Hernandez
Licensed Insurance Professional
Alberto Hernandez brings more than twenty years of aerospace engineering experience to retirement planning, having supported mission-critical programs for NASA, Lockheed Martin, Boeing, and Pratt & Whitney. Licensed in NJ, PR, TX, NC, IL, FL, and VA, he applies systems-level thinking to evaluate risk, structure, and durability. His education-focused approach helps individuals and families design retirement plans with the same rigor, reliability, and long-term performance expected in aerospace systems.
Brenda Del Valle
Teacher Retirement Planning Expert
Brenda Del Valle brings firsthand insight into educator retirement planning through six years of experience as a classroom teacher. She plays a key role in shaping teacher-focused plan recommendations by grounding strategies in real educator needs and decision-making realities. With experience across public, private, charter, and education-related organizations, and a strong network of education leaders, Brenda ensures planning approaches remain practical, relevant, and authentically aligned with how educators think and plan.
Esperanza Dominguez
Digital Marketing Director
Esperanza Dominguez leads social media and digital campaigns with expertise in content creation, audience engagement, and digital strategy. She focuses on translating complex topics into clear, relatable messaging that builds trust and connection. In addition to her work here, she is forming a nonprofit organization, reflecting her commitment to mission-driven communication. Esperanza ensures digital outreach remains thoughtful, authentic, and aligned with long-term, education-first goals.
Alex Rivera
Licensed Insurance Professional
Alex Rivera brings over twenty-two years of engineering experience to retirement planning, with a background in precision, systems thinking, and patent development. Licensed in Virginia, Minnesota, and North Carolina, he applies analytical discipline to evaluate risk, constraints, and long-term outcomes before recommending strategies. His education-driven approach helps individuals and families understand how retirement tools work together to create plans that are durable, intentional, and built for real-world conditions.
Alberto Hernandez
Licensed Insurance Professional
Alberto Hernandez brings more than twenty years of aerospace engineering experience to retirement planning, having supported mission-critical programs for NASA, Lockheed Martin, Boeing, and Pratt & Whitney. Licensed in NJ, PR, TX, NC, IL, FL, and VA, he applies systems-level thinking to evaluate risk, structure, and durability. His education-focused approach helps individuals and families design retirement plans with the same rigor, reliability, and long-term performance expected in aerospace systems.
Brenda Del Valle
Teacher Retirement Planning Expert
Brenda Del Valle brings firsthand insight into educator retirement planning through six years of experience as a classroom teacher. She plays a key role in shaping teacher-focused plan recommendations by grounding strategies in real educator needs and decision-making realities. With experience across public, private, charter, and education-related organizations, and a strong network of education leaders, Brenda ensures planning approaches remain practical, relevant, and authentically aligned with how educators think and plan.
Esperanza Dominguez
Digital Marketing Director
Esperanza Dominguez leads social media and digital campaigns with expertise in content creation, audience engagement, and digital strategy. She focuses on translating complex topics into clear, relatable messaging that builds trust and connection. In addition to her work here, she is forming a nonprofit organization, reflecting her commitment to mission-driven communication. Esperanza ensures digital outreach remains thoughtful, authentic, and aligned with long-term, education-first goals.
Why Choose an Education-First Approach?
We emphasize education, clarity, and transparency to help individuals and families better understand insurance-based retirement planning strategies and make informed decisions.
01.
Education Comes First
We prioritize education and understanding, taking the time to explain insurance-based retirement planning options clearly—so you can make decisions that feel informed and comfortable.
02.
Transparent Planning Process
Our approach is built on clarity and transparency. We walk through available options, explain how different strategies work, and answer questions without pressure or obligation.
03.
Professional
Guidance
As a licensed insurance professional, we provide guidance focused on insurance-based retirement planning strategies designed to support long-term planning goals.
Still Have Questions?
We have the Answers!
Contact
19220 Space Center BLVD, Houston Texas 77058
Texas +1 346-584-2454
North Carolina +1 984-464-8511
Virginia +1 571-946-1553
Providing education-focused guidance to help individuals and families make informed insurance and retirement planning decisions.
Our Social Media Sites will be live in Feb 2026
Business Hours
Mon - Sat : 9AM - 4PM
Sunday: 9AM - 4PM
© BTO Financial Group. 2026. All Rights Reserved.