ABOUT US

CELA ADVISORS, LLC is an independent Registered Investment Advisor and consulting firm.

• Cela Advisors is a fee-based financial planning and investment management firm. We do not receive commissions from the sale of products, nor do we receive transaction-based compensation. Our advice is completely independent and unbiased. Since we have no proprietary products to sell, our interests are more in line with yours.

• Our fees for managed accounts are based on a percentage of the assets under management, and our fees for consultative advice is based on a per-project fee or monthly retainer.

• We adhere to the strict ethical code of conduct, fiduciary principals and ongoing professional education requirements of the Certified Financial Planner (CFP)® designation and the Florida Bar.

• We listen carefully to each individual situation and help you determine which path is necessary to accomplish your financial goals and objectives. These strategies are tailor made specifically for each client.

• Knowledge is one of the keys to your success. A basic education in investments, taxes, retirement, and estate planning is your best protection. We will walk you through all documents and inform you of all the facts to help you reach a sensible, educated, decision.

• We advise professionals, high net worth individuals, entrepreneurs, and business owners, on ways to preserve and protect their assets, and plan for succession of ownership and control of family businesses. We advise on business structures, control techniques, and incentive compensation programs for both family and non-family members of management. We assist clients with the beneficiary and distribution decisions under qualified plans and IRAs.

Our Team

ANA CELA HARRIS, J.D., CFP®

Ana Harris is the founder and President of the wealth management firm, Cela Advisors. Ana has extensive experience advising individuals, family businesses and closely-held business owners on asset management, estate taxes, investments, insurance, business succession and financial issues involving divorce. Ana is fluent in Spanish.

Prior to joining a wealth management firm, Ana was a practicing estate tax and corporate law attorney. Ana’s business and legal experience coupled with her degree in finance and Certified Financial Planner designation, make her uniquely qualified to consult with individuals and families on all of their financial needs.

Ana is a member of the Board of Directors of the Miami Financial Planning Association, and chairs the Community Outreach Committee. Ana is passionate about volunteering in her community. She is a popular presenter in Spanish and English on financial planning and estate planning topics. Ana was one of the original members of the Advisory Board of Florida International University’s Eugenio Pino & Family Global Entrepreneurship Center, and served on the Board for 5 years, during which time she was a judge in the Miami Herald/FIU Business Plan Competition.

Ana earned a Bachelor’s Degree in International Finance and Marketing from the University of Miami, and a Law Degree from the University of Miami, where she was a member of the Law Review and Moot Court Board. Ana has also earned the certified financial planner™ designation.

CARLOS S. HERMIDA , CPA - Portfolio Manager

Carlos manages the portfolio operations and plays a major role in all investment research and determining appropriate asset allocation models for client portfolios. In addition, he assists Ana Harris on compliance issues and oversees the firm’s technology related projects.

Carlos researches investment opportunities and specializes in portfolio construction by developing and implementing diversified asset allocated portfolios. Carlos is a graduate of Florida International University where he received his Bachelor of Science Degree with a concentration in Accounting and Finance. Carlos is a Certified Public Accountant and has a Series 65 securities license.

Fee Arrangements

• Per project basis, or
• Monthly retainer, or
• Percentage of assets under management

Our fees will depend on the extent and complexity of the services requested, and will be discussed and agreed to, in advance.

We provide comprehensive financial planning and investment management tailored within the context of our clients’ long-term risk parameters.

Investment management (also called portfolio management) includes asset allocation, portfolio diversification, selection of funds and investments, continuous monitoring, and rebalancing of assets when necessary.

Our Financial Planning services may include:

• Charitable Planning
• Estate Planning
• Asset Protection
• Insurance Review and Risk Management
• IRA beneficiary designations/probate avoidance
• Review and advice on 401k asset selection
• Education Planning
• Cash management/debt management
  
• Tax Planning
• Pre and Post Divorce Planning
• Retirement and Life Transition Planning
• Business succession