Javier Diaz is the founder and Senior Wealth Advisor of Cibao Wealth Management, a fee-only fiduciary financial advisory firm specializing in comprehensive financial planning and investment management for Americans with financial interests in the United States and Dominican Republic.
With more than 13 years of experience in financial planning and more than 14 years of business experience, Javier brings a combination of professional expertise, entrepreneurial perspective, and practical understanding of the financial decisions individuals, families, and business owners face.
Before founding Cibao Wealth Management, Javier spent more than seven years with The Connemara Group in the Washington, D.C., metropolitan area, serving as an Executive Planning Analyst. His financial planning experience spans retirement income strategies, Social Security planning, investment analysis, insurance needs, and comprehensive financial planning.
Javier also brings substantial hands-on experience in taxation. He coordinated the county-wide Volunteer Income Tax Assistance (VITA) program in Miami-Dade County, where his responsibilities included preparing tax returns and training tax preparers. He also worked three tax seasons with Jackson Hewitt. This practical experience complements his specialized knowledge of U.S. and Dominican Republic taxation and informs his approach to tax-efficient financial planning.
His entrepreneurial background includes founding and operating Jordyn Media before establishing Cibao Wealth Management. Having managed businesses himself, Javier understands the relationship between business decisions, personal finances, and long-term financial independence.
As a citizen of both the United States and Dominican Republic, Javier brings a personal understanding of the opportunities and complexities associated with maintainingfinancial interests across borders. Fluent in English and Spanish, he helps clients navigate financial decisions involving both countries and communicate effectively across languages and professional relationships.
His professional involvement also includes serving as the founding president of Florida's first Financial Planning Association student chapter at Florida International University.
Education & Professional Credentials
Javier earned a master's degree in Financial Planning, Housing, and Consumer Economics from the University of Georgia, graduating magna cum laude. He also holds a Bachelor of Business Administration in Finance from Florida International University.
His professional credentials include:
CERTIFIED FINANCIAL PLANNER™ (CFP®) — CFP Board of Standards
Retirement Management Advisor® (RMA®) — Investments & Wealth Institute
Consultor Tributario Certificado (CTC) — Asociación Tributaria de la República Dominicana.