Ricardo A. Cruz Emmanuelli


    Focus: Insurance Strategies, Investment Strategies

    Languages: English, Spanish

    Preparing for the next step in life isn’t always easy. Knowledge is the key to a successful financial future. My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs.

    Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability.

    My background, experience and commitment to providing you with the resources you need to make financial decisions, can help make your financial future as successful as you need it to be. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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    MassMutual Puerto Rico

    Main Office

    273 Avenue Ponce de Leon Suite 1400
    San Juan, PR 00917

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    CRN202008-234829