From Venezuela to Miami: Anabella Murillo’s Immigration & Wealth Story

What this episode is about

Anabella Murillo shares her journey from Venezuela to Miami, detailing her transition from a tax career in her home country to establishing herself in the financial industry in the United States. She reflects on the challenges faced during her immigration and the evolving socio-economic landscape both in Venezuela and globally, highlighting her resilience and adaptability in pursuit of success.

Key takeaways

• Annabella's journey from Venezuela to the U.S. is a masterclass in resilience and adaptability amidst chaos.
• Starting a new career in an unfamiliar country? It's less about the destination, more about the daring leap.
• Venezuela's tumultuous changes since Chávez's election mirror global migration trends—navigating borders has never been harder.
• Living alone in Caracas while family thrives abroad teaches independence, but vulnerability can be a double-edged sword.
• Turning a green card process into a family adventure? Annabella’s story proves that bureaucracy can have a silver lining.

Who speaks in this episode?

• Andre (Host) · 21 min speaking
• Anabella Murillo (Guest) · 31 min speaking

What is discussed, and when

1. 0:00 – 5:00: Venezuela, Karakas, Annabella Murio, Caesar Chavez
2. 5:00 – 10:00: Venezuela, 2008 Financial Crisis
3. 10:00 – 15:00: Venezuela, UF, 2008 Financial Crisis
4. 15:00 – 20:00: New York, New York, Venezuela, San Francisco, Peru
5. 20:00 – 25:00: Trust
6. 35:00 – 40:00: Artificial Intelligence
7. 45:00 – 50:00: Miami, Venezuela, New York, New York
8. 50:00 – 52:19: New York, New York

Notable quotes from "From Venezuela to Miami: Anabella Murillo’s Immigration & Wealth Story"

• Today we are joined by Annabella Murio and I don't know exactly your full story. So I want to definitely use today to be able to tell your story, talk about your experience in the space, but.

  about Annabella Murio · at 0:11

• Starting probably like a new career like something I had no clue what I was going to do. But it turned out that I started in this you know tax trust industry financial industry and I've been there for the past 18 years.

  about Trust · at 1:11

• These dreams you have when you're a student and everything right >> so my dad moved to Miami 1999 and my mom also moved to first to Washington DC also in…

  about Miami · at 2:34

• >> so it was a it was a process cuz things were getting a little bit more complicated by every day. So, lack of food and milk and things that you were not able to found. And then kidnapping was, something. And.

  about Caesar Chavez · at 3:42

• >> As we know, and then, well, yes, everything went down there. But yeah, so it was a tough decision, but I think it was the best one for sure.

  about 2008 Financial Crisis · at 7:20

• Them the products the company, had and like meeting with them and traveling too. By a year and a half, I got transferred to New York for a six-month assignment and I stayed for…

  about New York, New York · at 15:58

• >> So I lived in San Francisco for a couple of years. That was great. One of the best experiences. Yes. In San Francisco doing the same thing just business development for the company. I also.

  about San Francisco · at 17:59

• Obviously like AI is now the hottest conversation right now and we've just like touched the surface of what that's going to >> we don't even know what's down there. We.

  about Artificial Intelligence · at 37:51

Who and what is mentioned in this episode?

People

• Annabella Murio — Person · Main guest · 1 mention · first at 0:11
  Primary interview subject sharing her immigration story from Venezuela and her career in trust, estates, and private wealth/fund administration services across Miami, New York, and California.
• Caesar Chavez — Person · Referenced political figure (contextual reference) · 1 mention · first at 2:24
  Referenced as a key political turning point in Venezuela that influenced the guest’s family decision to leave; used to anchor the timeline (1999 election) and explain worsening conditions.
• Andres Murio — Person · Guest on the podcast · 1 mention
  Andres is mentioned as a connection to Annabella Murio, providing context to her story.
  >> Absolutely. Thank you so much. And thank you, Kat also for connecting me with Andre and S Tranilo here at the podcast.

Companies & orgs

• UF — Company · Educational institution · 2 mentions · first at 13:07
  Mentioned as a potential path for the guest's education in the US, though she chose a job offer instead.
  >> Exactly. So and then I have the option to go back to school, >> do an LLM, which I had to request student loans and everything, of course, because I had no money. And my dad.

Concepts & topics

• Trust — Concept · Core topic · 1 mention · first at 21:14
  Central to the guest's career in the financial industry, discussing trust structures and estate planning.
• Artificial Intelligence — Concept · Emerging topic · 1 mention · first at 37:51
  Briefly mentioned as a current hot topic and its impact on the corporate world and future generations.

Places & events

• Miami — Place · Setting · 1 mention · first at 49:21
  Primary location where the guest moved to from Venezuela and where much of her story unfolds.
• Venezuela — Place · Origin · 13 mentions · first at 0:41
  Country of origin for the guest, providing context for her immigration story.
  And I just started working in the tax industry down in Venezuela. But in 2007, the situation got a little bit complicated as we know and my family decided to move to the states. So by 2008, I was already here in Miami.
• New York, New York — Place · Work location · 7 mentions · first at 16:04
  Where the guest was transferred for a work assignment, contributing to her professional growth.
• 2008 Financial Crisis — Event · Historical context · 2 mentions · first at 7:16
  Mentioned as a significant event during the guest's transition to the US, impacting her early career decisions.
• San Francisco — Place · Work location · 1 mention · first at 17:59
  Where the guest lived for a couple of years for work, contributing to her professional experiences.
• Cuba — Place · Cultural reference · 4 mentions
  Mentioned in the context of immigration stories and family heritage.
  Going to do when they come here, but they just know that they have to leave, right? I come from a sim similar situation with my grandparents >> from Cuba, right?…
• Karakas — Place · Origin · 2 mentions · first at 2:49
  City in Venezuela where the guest lived before moving to the US.
  >> so my dad moved to Miami 1999 and my mom also moved to first to Washington DC also in 1999. One of my brothers moved to LA and then I stayed with my oldest brother in Karakas.
• Peru — Place · Work location · 1 mention · first at 19:11
  Mentioned as one of the countries the guest traveled to for work.
  >> and I started a new job of a financial institution >> and that's it. I had to travel a lot because I was doing Mexico, Colombia, Peru. I…

Sponsors

• Statanilo — Company · Sponsor · 1 mention · first at 0:05
  Mentioned as a sponsor of the podcast.
  Good morning, Buenos Diaz. Welcome back to another episode of Cafeito EROTA is brought to you by Statanilo and Heno.
• Hent Co. — Company · Sponsor · 1 mention · first at 0:27
  Mentioned as a partner or sponsor of the podcast.
  Thank you so much for being here. Thank you Cat for making the introduction as always. And thank you to our partners over at Hent Co. So Annabella, please, the mic is yours. Tell us where you're from, a little bit about yourself.

Full transcript with timestamps

0:03 Good morning, Buenos Diaz. Welcome back to another episode of Cafeito EROTA is brought to you by Statanilo and Heno. Today we are joined by Annabella Murio and I don't know exactly your full story. So I want to definitely use today to be able to tell your story, talk about your experience in the space, but thank you so much for being here. Thank you Cat for making the introduction as always. And thank you to our partners over at Hent Co. So Annabella, please, the mic is yours. Tell us where you're from, a little bit about yourself.

0:35 >> Absolutely. Thank you so much. And thank you, Kat also for connecting me with Andre and S Tranilo here at the podcast. Um, well, so I am I was born and raised in Venezuela. So I grew up there like normal tropical Caribbean girl. And I moved to the States about 18 years ago. So when I went um I graduated high school, then I went to law school there. and I just started working in the tax industry down in Venezuela. But in 2007, the situation got a little bit complicated as we know and my family decided to move to the states. So by 2008, I was already here in Miami starting probably like a new career like something I had no clue what I was going to do. But it turned out that I started in this you know tax trust industry uh financial industry and um I've been there for the past 18 years.

1:25 >> That's amazing. And I definitely want to touch on that, right? Kind of your experience in that space. >> I feel like there's a lot of moving parts when it comes to that. But before that, I I do want to kind of touch on that transition from Venezuela, you know, to the states in 2007208. Obviously, like you mentioned, things already were transitioning, right? And now obviously a lot has happened in the last, you know, month or so. Yeah. You know, specifically here between us and Venezuela and just globally the impact that that that occurred. But tell me a little bit about that time, right? What what was Venezuela like in early mid 2000s and how was that process of being able to even make it into the United States because now it's that much more difficult to get here.

2:05 >> Yes, it was difficult to be honest. My family had moved to the states back in 1999. So my dad decided he was coming back to the US. He was trained here in the US. My brothers were born here in the US in the 70s. So they basically went back to Venezuela and I was born in Venezuela. Okay. So my dad had the opportunity to come back and by 1999 when Chavez got elected he's like I'm not staying. >> So everyone's like what like I'm staying and I stayed. Wow you know I thought that I was going to like you know fight for my country go to law school and all these dreams you have when you're a student and everything right >> so my dad moved to Miami 1999 and my mom also moved to first to Washington DC also in 1999. One of my brothers moved to LA and then I stayed with my oldest brother in Karakas.

2:51 >> Wow. >> But two years passed and he moved to the US as well. So I stayed by myself in Karakas while I was still going to law school. >> Oh my god. >> And working and and that's it. I mean I just stayed there. So for me it was pretty it was actually I was the opposite of everyone there. First of all my family was here >> not there which is not you know it's not common in Venezuela like to live alone by yourself and have not your family not being there for you. Right. So that was difficult and it was different right um my entire family was here so I used to come a lot like on you know holidays and whatever right even weekends if I could but it was difficult because I was all alone by myself I had a couple you know family members like some uncles and aunts but that's it in the end everybody came to Miami during that process so my

3:33 aunt came my cousins came my uncle came so I was literally the only one in Venezuela insane >> insane I know it's crazy I just think about it I'm like why Yeah. >> Um, so it was a it was a process cuz things were getting a little bit more complicated by every day. So, you know, lack of food and milk and things that you were not able to found. And then kidnapping was, you know, something. And and then I was living by myself, which made me more vulnerable. So, it was a little bit complicated. So, by 2007, >> my dad um called me. He's like, "Hey, you're going to have a green card soon." Because because I was under 21, he did all the process while I was living in Venezuela. He was living in Miami and because he was a US green card holder at the moment because of my brothers that were born in the US. Wow.

4:17 >> He's like, "I already did this process for you whether you like it or not." I'm like, "Okay, cool. Let's do it." So he called me one day. He's like, "Hey, I'm becoming a US citizen. Now your situation is going to change because you're not the daughter of a US green card. You're the daughter of a US citizen." So that changed all my process and that actually that went really fast. >> Back in the days, you know, the situation was not like today, of course.

4:39 And I think it worked a I mean we still had an embassy in Karakas by that time afterwards it closed right but um so I I my dad's like hey you're going to have green card anytime soon so you have to sit down and think what are you going to do I'm like okay so I did all my process you have to do like lab work a lot of things you have to do to become a green card holder and they gave me my package in the embassy and I just did my first entrance in 2007 as a US green card holder to Miami. >> Wow. Uh they take you to a little room, you have to sign some documents and it's like your first official stamp in Miami as a US person.

5:12 >> Wow. That's incredible. And I think something interesting obviously one it's difficult that you know your whole family leaves, right? And obviously you made a personal choice to stay in that process. But I think that's the interesting part, right? >> Yeah. >> That's your home, right? It's not that easy to just say >> it's not >> I I want to leave, right? Obviously you understand maybe the political climate and things are changing, right?

5:35 you mentioned limited resources. Those are obviously telltale signs to say, you know, maybe I should get out, but it's not that easy because that is your home, right? Your your friends are there. No, >> obviously at that point for you, your family is already out, but you still have that element of like being home. Like we were just talking offline, >> you belong there, you know, that's where you were born. That's what you breathe, what you smell. It's like that's where you're from. Absolutely. It's difficult just to I literally packed my two bags and just left.

6:03 >> Yeah. Yeah. And I left my apartment, everything there, and I just like two bags and that's it. I remember my all my friends from law school like took me to the airport like at 6:00 a.m. in the morning. We literally party all night and we just went straight to the airport. And I remember myself with my carry-on like my you know that's it. I'm like wow. Like this is my life in just two suitcases >> and and just like that. >> And just like that. >> It's like from one moment to the next.

6:24 >> Yeah. It's not easy. I think it's not easy for who lives the country, but I don't I also think it's not easy for who stays in the country. >> Oh, absolutely. I mean, both are tough decisions. >> You know what? Both are very tough decisions to be honest. >> And I think it helped that your father was was >> I know. Absolutely. That's like probably the only reason I just came cuz my entire family was here and I was, you know, very alone.

6:46 >> Yeah. >> Like I I had a lot of things happen and I couldn't call anyone. >> Yeah. >> It's like, you know, things happen and then, okay, who am I going to call? >> So, I was I realized like, no, I have to go I have to go where my family is. I have to follow them in a way and then I'll figure it out through the process because you don't have everything figured out at 25 26 years old, right? So, absolutely. So, I mean, we're still figuring problems out, right?

7:06 >> Exactly. >> So, it's like at 24 you're like, "Oh, whatever. You know what I'm going to do?" But, um, yeah, I mean, I thought it was like the best thing to do. >> Um, I had an opportunity to be here. >> Um, of course, when I got here, financial crisis. >> Yeah, that's true. >> As we know, and then, well, yes, everything went down there. But yeah, so it was it was a tough decision, but I think it was the best one for sure.

7:28 >> Definitely. I think now when you look back, I'm sure >> it's easier to to sit with yourself. >> You know, it's funny cuz now I'm probably the lucky one because I have my entire family here >> and then the rest of the people that came, they don't necessarily have their entire family here, >> right? >> So when I was back in Venezuela, I was not the lucky one. I had no family members. Now I'm here and I have my entire family members. So it's like, wow, it's weird. You know, it's an immigration story that is not common >> at all as we know.

7:54 >> My girlfriend's family is from Colombia. Pretty much her whole mom's side of the family is still in Colombia. >> Aa prias, aunts, everybody. >> Everybody's still over there. And >> you know, they've thought about what does that transition, but it's it's it's not that easy. It's like what are they going to come to do, right? Because then it's like they're already older, right? They have established a life over there.

8:15 And Colombia is a a little bit different obviously than the political climate than than Venezuela. you know what happens there. But the the reality is when you've built your life somewhere, >> you could see the vision of maybe it being the right decision to leave to a place like America. >> But it's not it's easier said than done, right? And you don't really know because some people come here and then unfortunately for whatever reason they may struggle, right? And then they want to go back home because it's what's comfortable and it's it's what they know.

8:43 >> So it's like almost like picking and choosing what do you really want to to to deal with and >> you never know what's going to happen. Yeah. I mean, you can have something in your mind like, okay, I'm going to do this or do that and guess what? Everything will change. >> Absolutely. And I and I think that is the story of like Latinos, >> right? And immigrants. >> They don't ever know really what they're going to do when they come here, but they just know that they have to leave, right? I mean, I come from a sim similar situation with my grandparents >> from Cuba, right? And understanding like we don't have a life here anymore. As much as they didn't want to leave, I remember to the day my grandmother passed away, it was all about how much she loved Cuba and how Cuba was her

9:22 home. >> She wanted >> She must be proud of you doing this. >> Oh, of course. I hope so. I hope so. >> But she, you know, I I know how good their life was over there until eventually it wasn't. >> And you hear people to this day, right? Obviously there's a ton of Cubans, there's a ton of Venezuelans here in Miami, Puerto Ricans, Colombians, right? You got a little bit of everything. But there's that common denominator that they left >> for a better life here in America. And we've seen the success of so many influential people now here not only in Miami but in the states that are immigrants, right? That came here leaving their whole life behind.

9:57 Probably had a very good life where they were, right? And then basically had to start a brand new life over here, right? Some people came with different situations, right? because they maybe prepped ahead of time and were able to >> to kind of almost soften the blow of that type of transition. But reality is, and my grandfather was one of those people, he had to basically start a a whole new life. >> Yes. >> But he figured it out. >> Yeah, he did. >> Yeah.

10:21 >> Cuz that's what immigrants do. >> Exactly. >> They figure it out. >> Absolutely. Absolutely. So, you come into the States around 24 25, right? >> Um Yeah. Around. >> Mhm. >> Um what was the what was that thought process of like what you were going to do? You were studying to become a lawyer right? >> Yeah. So, I graduated from law school down in Venezuela. Okay. >> And I started a master in tax >> and in the m it was it's two years that master, right? So, in the mid of the master, I moved to the states. That was another wow. Yeah. I'm like, okay, I have to do this whatever because you have a specific timing when you get the green card that you have to come into the states. So, I had to do it anyway.

10:56 When you come here, you stay here for a while because they send you like your social security numbers and you have to be here to receive it, blah blah blah. So first shock is coming to the US and moving into my father's house being living by myself for the past I don't know eight years. >> I'm like okay. So I have to here we go. So I had nothing literally like just my you know my brain like that's it and my two malleta. So anyway I came here and I'm like okay what what is it that I'm gonna do? So I'm like I'll just move with my dad and that's what I did. So I moved with my dad. He's married and I have an old younger sister and brother.

11:33 So, they were kids at the moment. They were going to school here in Miami. So, um I felt so weird because I'm like, "Okay, I've been living by myself. I've doing all my life by myself for the past 10, you know, seven or eight years and here I am back to zero at my dad's house with nothing and okay, how I'm going to start this because I I was very grateful to be there of course because I had the opportunity to also connect with him and with the family. That was the great part of it, right? But on the other side, it's like, okay, I need to figure it out. Like, I can't stay here forever.

12:03 >> Like, they're helping me. That's fine, but I'm not going to stay here for years. I need to know what I'm going to do. Exactly. It's like a temporary solution, right? But you have to start thinking, okay, now what? Now what? Now what? Thank God. Um, my my two brothers were here and they were very good at like advising me on what to do, like you should do this or you should do that, like, you know, look for a job or anyway, they were like my financial counselors at the moment, which I appreciate a lot. And I had like a good I I knew where I was standing at, right?

12:30 But I I didn't know what to do, >> right? >> So So that was shocking for me coming back from Venezuela to a house with kids, a dog, and my and my dad. >> Completely different than >> And my dad and then my dad's wife was not my mom. So it's like it it was difficult. Everything was all the process was very very difficult. >> Yeah. And then from there, you said that your brothers gave you a lot of advice as to what they what they do. So yes, >> did you end up getting a masters here in in the states or?

12:58 >> That was one of the things I started as soon as I came. So I'm like, okay, you know what? I'm going to start the process. I have a very good friend. He advised me and he said, you know what, you can do an LLM in UF up in Gainesville. Okay. And then we'll figure it out from there and you can if you want to go to law school again, you can do a transfer from your LLM to your JD or whatever. That can take like three years, right? And again, financial crisis 2007, no credit, no nothing. Like I had no clue, right? I'm I'm new. So I do all the process to go to UF in Gainesville. And um I I got admitted to UF for an LLM.

13:33 >> And that same week, somebody introduced me to someone in Miami in the community of the trust and state community. And I ended up having like three interviews and they offered me a job. >> Wow. >> So I'm like, okay. I'm like with my dad sitting down like what should I do? Like I I have a job offer in the in the financial crisis >> from having nothing to all of a sudden having options. >> Exactly. So and then I have the option to go back to school, >> do an LLM, which I had to request student loans and everything, of course, because I had no money. And um my dad and I were like, so I asked my brother, I'm like, "What should I do?" And we were like, "You know what? We're in the financial crisis. You should take the job." Because that where I mean, if

14:09 someone has money now through, you know, a job, it's like you're lucky. >> Yeah. >> So that's what I did. So I took the job offer and I started working in a trust company which is a global trust company. They offer different you know services in the financial industry and that's what I did. So I started from zero there um giving support to a lot of Latin American clients. They needed someone like with legal background and that could support them on Latin American clients mainly. So that's how it started, right? Like being the support of those directors there that were dealing with clients in in Latin America, all Latin America, all the countries in Latin America, including Minnesota.

14:44 >> Yeah. Wow. That's incredible. I considering it's like, do I go back to school? Do I get a job? You talk about financial crisis, all these things, right? And it's like >> you didn't like you you mentioned before, you didn't even know where this was going to end up. And all of a sudden, >> no, >> you're using something that you learned with your law, you know, with your law degree over in Venezuela. >> The logic. Yeah. the international component, right, which you're very familiar with considering that you just did that and already being able to apply a lot of what >> and I think also knowing I guess the right people, the right connections at the right time for sure.

15:14 >> Cuz when I moved here, I was like, you know, I was coming from a big um out from Ursen Young and I just came with some reference, you know, under my arm like, well, I mean, this can give me some idea where to go. So I went I had different interviews and some of my you know former bosses in white connected me to people here in Miami and that was I think the good you know thing because they connect me to people here who are also Latinos and they're always you know doing the same thing as us whatever and that's how I got this interview.

15:40 >> So I'm like okay I'll go >> and then yeah that's that's how it happened. >> Amazing. And then when you worked there how long were you with that company? >> So for that company I worked for about um almost eight years. So the first year, year and a half, I was supporting again all the directors on the on the Latin American market and then offering them the products the company, you know, had and like meeting with them and traveling too. By a year and a half, I got transferred to New York for a six-month assignment and I stayed for six months more and I ended up like a year and a little bit more in New York.

16:13 So dealing with the office there and mainly just like doing all the business development for the company from New York. >> Amazing. >> That was tough for a Latina coming from the Korean. >> Yeah. I got to how how was the how was the cold? >> That was that was that was horrible. The cold was horrible. Like horrible. Like no, I literally had to come back to Miami. All of my s I was dying. >> All my friends that ever moved to New York. >> I like I'm like I cannot do this. I know it sounds it sounds bad, but I mean I I >> couldn't do it either. I mean they lasted a lot of them lasted a year. I want to move to New York. I want to move to New York. They do one winter in New York and they're like I need to come back.

16:43 >> Yeah. No, one winter. That's it. Yeah. That's it. Not more than that. I I got sick. I had to come back to Miami. I don't know how many times um I couldn't understand like how do people actually do this like so many different type of clothes like so many you know temperatures and weathers and I'm like no this is too much I can't on the professional side it was great it amazing you grow up you know I grew up a lot as a professional meeting a lot of people also understanding the industry I work with like it's it's it was a blessing to be there right at the same time I was like oh I hate this city but again it's a love and hate relationship so like people either you love New York or hate New worked um by it.

17:21 >> Yeah. By the end of like probably the end of a year, I was like, I like it here. >> That's how I feel about and then I came back to Miami. I'm like, okay, game over. >> I'm not a person that could do the cold very well. Like I I like it >> to experience it because obviously we don't get it here, right? Like today, >> put the coat on and you know, experience that. But >> to have to do that every day like I mean right now I think they're dealing with like 2 ft of snow. Can you imagine?

17:43 >> No. Yeah. No. No. No. I can't. >> We're here windows down cruising. >> Yeah. So nice and the sunshine like hello the sun everything. Yeah absolutely. >> So that was so I came back from New York >> and I did Miami for another bit and then I moved to California. >> So I lived in San Francisco for a couple of years. That was great. One of the best experiences. Yes. In San Francisco doing the same thing just business development for the company. I also travel once a week to San Diego. We had an office in San Diego which was perfect because it was a perfect mix. you know, being in San Francisco and then in the East Bay and then going down to San Diego for, you know, a week, a month was perfect, honestly. So, it was great. It was a really good time. And then I came back to Miami. So, for the past 10

18:24 years, I've been in Miami. >> Wow. >> That's amazing. And then when you came back from Miami, what what was that transition? Did you start for a new job? Yeah. So, I did a transition from this company that I spent years. >> Uh I'm very grateful to because you know, I met a lot of people there, a lot of mentors, great bosses. I mean, it it was great. and I transitioned I switched jobs and the new job was here in Miami. So we were ready to come back to Miami and like just you know define Miami as our new I guess headquarters like home place like my family was here so it just made sense to come back you know >> and that's what we did like in 2015. Yes I came back >> and I started a new job of a financial institution >> and um that's it. I had to travel a lot because I was doing um Mexico, Colombia,

19:11 Peru. I was doing like a lot of markets in America. I had to travel a lot. So I was exhausted but it was a pretty good you know pretty good job and and I learned a lot of things in the trust and state industry and it was it was fun too you know like traveling and doing all this thing it's fun but you get tired so it's like where's the balance here >> yeah exactly it's like you love going to see all these new places and the thrill of getting on the airplane but there's something about when you Yeah. Exactly.

19:38 when you come back home you're like this is where I want to be. >> Yeah 100% I totally get that. So, no, I think that's amazing, right? It's it's that that path, right, where you don't really know, but everything just kind of takes care of itself, right? You obviously did your part doing what you can control, right? Correct. Making all the right connections, networking, putting in the time, the energy into learning and >> bettering yourself. >> It's exactly like you said, >> right? But it it led you to the path of of who you became today.

20:06 >> Absolutely. Which is absolutely incredible. I think a lot about that like wow how you know all those years unfolded up to here >> right >> like I did a lot of >> it's hard to put it's hard to put put it into perspective when you're always going through the motions right but now >> you know when you kind of look back at things you look back and you're like wow look look how much I've done look how much I've accomplished >> I didn't even think I would maybe even be doing this right and I think that happens to a lot of people right where kind of just go through the motion of life and then when you look back and reflect you realize like, "Wow, look what I did." >> Yeah. I mean, hard work, hard work pays off.

20:42 >> Pays off. Yeah. >> That's what they say. It's true. Absolutely. It's true. >> It definitely does. So, talk to me a little bit about what you're doing today. >> Yes. Absolutely. So, I still work for a global company. >> Uh, so there's two things we do at this big company. We're in 26 jurisdictions in the US. We cover mainly the world in terms of um countries and cities where we are. But we do two main things. One, we have like a private client line or a private wealth line that we call. So where we serve ultra high net worth families and their family offices and advisors and we set up um trust structures for them. So we act as corporate trustees. We can act also as corporate service provider depending on what the family needs and we basically you know create those trusts where the

21:24 family puts their assets and they're protected. Now there's different reasons why someone would need to do do something like this. It could be tax reasons, it could be asset protection reasons, it could be legacy, it could be like a lot of things, right? So we work with um in partnership with you know tax attorneys, trust and estate attorneys from the industry. They are the ones drafting the documents. We are the ones being appointed as trustees and then we deal with the family on a daily basis. Got it.

21:48 >> So that's the that's one of the business lines that we do on this company. And then on the other business line is more like the institutional corporate business side where we offer services to corporate entities or um financial firms or RAAS or those type of firms where we do fund administration. So we're not managers. We're not managing the fund. We're doing the administration of the fund since its launch until its liquidation or termination. And then because that connects to regulatory and compliance, we can also support those um you know institutions and and clients on the regulatory and compliance part. So, for example, if you're launching an RAIA, then you need to know about compliance. You need to have a compliance officer, you need to know um you're going to be registered before the SEC, like there's a lot of things you

22:30 need to know. So, we offer that services to our clients, too. And then we also do a lot of outsource CFO, which is it's it's now pretty, you know, it's getting pretty hot there. Yeah. So, lots of, you know, outsource services to those firms that need basically everything, right? and then middle office which is you know helping all those um clients putting all those capital calls and trade scenes and everything and that's like the other business line. So I'm I'm like I work on both business lines like I work a lot with the private wealth team that's my team and I'm now also shifting a little bit on the on the CFO middle office services.

23:02 >> I could see kind of like that fractional CFO correct correct they call it that way. Yeah. >> Yeah. It has has evolved. Correct. I I think a lot of businesses are >> are taking that approach and across every kind of like executive role CM you know there's fractional CMOs now CFOs even COOs right kind of these people that hey >> we need you for 15 20 hours a week to really kind of sit in the business understand and and operate. And it's valuable as as a business to have someone like that, right? Because >> when you're, you know, the CEO or founder or whatever that may be as your title within the company, you have so many different hats that you're wearing, right? And you're you got your hands a little bit of everywhere. But in that weird growth period as a company, >> you're going to need someone like, you

23:48 know, that CFO to really be understanding the dynamics of the business, understanding, hey, these are growth opportunities, tax benefits that you might be missing, which I think a lot of people, >> not not their fault, right? Because they're just so stuck in every other aspect of the business. Don't realize that. >> Well, that's interesting because that's what we say to clients. It's like, hey, you are the investment mind. We don't do investments, right? We're not in that >> um in that part of the job. So you focus on your investments, we'll take care of the rest. We'll take care of everything.

24:17 Everything that's, you know, back office, we'll take care of it. You just figure out your investment part. That's it. So for them, and it's actually a good model because they outsource a lot of work. True. >> So instead of like hiring sometimes people, they basically outsource it. So for them tax- wise, it's even better, right? So that's how it works. And and then you have a lot of things to do and a lot of things to pay attention to. If you have a big fund, you're launching on, you know, 300, 400, I don't know, $500 million fund. And guess what? you you need to wear a lot of hats like you say and it's like okay what do you do what do I do now? Yeah.

24:45 >> So we kind of support them on every single process since day one. No, that's interesting. And I and a ton of value, I guess, for for for the audience, right? And anyone that's kind of in similar situations, right? I I think >> for the younger generation, right, >> we're maybe not at that stage yet, right? But how do we plan ahead to start thinking that way, right? We we may not have assets for for a trust yet, right? but we're looking to build that long-term future and be able to kind of set ourselves up for those levels of success down the line. What would kind of be your advice for someone?

25:22 >> Yeah, I would say that it's never too early, but it's always too late, >> right? >> So, just it doesn't matter if you feel you're 21 or 22, right? It's like, oh, I'm too young, I don't have money, whatever. So, first of all, educate yourself. Educate yourself on the financial matters, right? If you are buying a life insurance policy, what does that mean? If you are putting money away on a, you know, I don't know, cash account or some sort of saving account, is it better to put it on a different type of account with a little bit of more? You know, you're going to get a little gain there. It doesn't matter.

25:51 It's like 5% or whatever it is, right? Like first of all, educate yourself because it's never too late. That's like to educate yourself, right? >> Two, be more proactive than reactive. Like you have to know what's happening out there. True. >> You need to go out there. You need to do the work. >> You need to meet people in the industry, whatever industry you are in, right? And you just need to be proactive like think and then act you know ask the questions look for help all those things it doesn't matter I mean I know that people are like no I'm too young I don't have money I don't know like it doesn't matter you can start with $1 investing if you want to start investing today right there's lots of places out there online that you can start investing just start do something and just get well

26:32 informed before doing it so that's something that I would say to the younger generation and always make sure that it doesn't matter what you do financially, there's always going to be a consequence legally. So, make sure that whatever decision you take financially, doesn't matter what it is, >> there's always going to be a consequence legally speaking. >> So, always make that connection. So, for me, financial and legal industries must be like connected hand by hand.

26:57 >> Absolutely. >> Because everything happens together. >> And can you elaborate a little bit on that? Right. Obviously I understand the the connection right where there's always going to be some sort of legal component especially financially >> but what what exactly legally >> is let me say very simple example let's say you open tomorrow uh investment account I don't know infidelity and this is not paid you know advertising but I don't know you go and you open an account and you start investing and you're like you know buying stocks shares whatever right ETFs whatever it is and you're the sole owner of the account right something happens to do it translate to the legal side, right? If you don't have like a specific pair of authority, if you don't have like for

27:38 example will or testament like what happens legally is that whoever is your family, you know, your heirs are going to be going through processes legally in the US or in Miami, let's say, right? So those are the things you always need to think, right? Same thing when your parents or someone in your family buys real estate. Um, if that person is a US person, then some rules apply. If that person is a foreign person, let's say a Colombian from your girlfriend's family come here, they buy a beautiful apartment in Bickl under their own names. Guess what? They have tax consequence, >> right?

28:10 >> If they pass away, >> even though they're not US people. >> Interesting. >> Okay. So, all those things you need to know that when you're making an investment, there's something legal connected to it. Something's going to happen eventually. So, make sure you connect the dots on that and make sure that when you're doing the investment, make sure that there's, you know, you know exactly what's going to happen. If you I don't know falling sick, if you fall in any incapacity, that happens too. Physical, mental incapacities, >> right? What happens then? If someone passes away, like the owner of the assets passes away, right? Well, the Florida state has a, you know, solution for you, but maybe you don't want what the Florida state says, right? So, you're like, okay, I'll do a will or

28:45 I'll do a trust or what do I do? And then if you don't have a will, then your family has to go to probate. So, that's court. That's hiring a lawyer. And it's a lot of money and it's legal. So everything you do there's a legal consequence there. >> And then let's say you let's say that exact scenario. Where do you all come into the fold in that process? >> I'm in the middle which is the funny thing cuz I'm not the tax attorney or the trust and estate attorney drafting documents >> but I am not doing the investments because I'm not telling the client, hey buy Apple as opposed to Amazon. I'm not doing that. But I work with all of those parties and I'm in the middle making sure that whatever assets are in trust, they're wellkept. As trustees, you have

29:25 a future duty, >> right? >> So first of all, we're regulated, right, by the division of banking. And then you have a future duty to make sure that whatever you keep there, you're keeping it safe >> and you're doing everything from the admin side. So you take care of that trust assets as a with a with your future duty, right? So even though I'm not telling that guy the advisor where to invest and I'm not telling the attorney what to draft, I work with them. So I see their work. Understood.

29:51 >> And I work with the families and I bring the families and I say, "Okay, let's talk to your tax attorney. Let's talk to someone. I don't know your financial advisor and let's tell him this is the way we're going to do it." And I kind of like put together everything so we're all on the same page. So you need to work like with a very holistic team. >> Absolutely. Yeah. That's that's an it's like which is good. Which is great.

30:09 >> A person here, a person here, a person here, right? where everybody's >> assisting you, right? It's it's a team effort at the end of the day and it should be that way because >> whether you're operating a business, you know, your life is a business as well, right? And and it needs to be operated in the correct manner >> and there's no such thing as you can do it all. >> Right. >> That's not true.

30:28 >> Exactly. You have to, you know, find the right people and that's why everyone specializ in something. Exactly. >> And that's a reason you just go to a specialist, ask for help, pay for it and have your solution. >> Absolutely. Absolutely. Yeah, that's amazing. And yeah, I I think that's something that >> I think the next generation is becoming more aware of and more conscious of, right, is understanding I can only do so much and what are the what are the resources that I need to be able to elevate my life to the next level, right? Financially, it's the same thing like if someone hires a personal trainer, right, for their wellness, right? You need that >> coach for your finances and the future of of of your of your well-being, right?

31:07 Across every single facet of your life. Um, so I think it's interesting that this new generation is starting to become a little bit more conscious of that. Yeah. Right. I I look at my mom and my grandparents like those were not discussions that were being had. >> No. And it's actually studied like those conversations were not held on a table. No. Absolutely. >> And that's why there's a lot of stats out there that shows like why men are more confident than women in financial decisions and why women do not feel as confident as men on financial decisions.

31:36 Now that's changing though. But if you see back in the days, those were not conversations you had on the table. And I think I mean it makes sense in a way because imagine immigration families coming to a country where they had nothing and they had to start from zero. Like what conversations are you going to have in a table where you're exhausted probably doing two or three jobs a day >> and trying to get a little bit of money to survive >> basically it's right that's what happened. That's the story of Miami right people coming from Cuba or other countries. So that's the story. So how are you know how are we doing that conversation if it's it's difficult right but that's evolved thank god right so now I mean it's that's the other thing I think we need to be very proactive again parents have to have

32:18 conversation with their children about money >> this is not a taboo thing you need to explain to them this is what it is this is something you need this is you be you need to be be aware and this is how it happened the wealth I mean people you know you we work with families that we work with >> generational generation four, generation five, sometimes even generation six. And it's just spectacular to see how that wealth has been, you know, from generation to generation. >> Those are families that have done it well.

32:44 >> Exactly. And then, okay, what do you do? Right. Right. Cuz I And then trust are always involved most likely. Right. So you're like, okay, this is this is a good thing. So the good thing is that you have to be transparent too. Yeah. >> With the families too and with your kids. If you're if you want to have a nice, you know, conversation, you have to be transparent. You have to tell your kids about money. You need to understand that they are learning too. Yeah. >> And if you're not giving them the tools, >> it's the same thing with the new generation. Yeah. Like how are they supposed to know? You don't know what you don't know.

33:10 >> No. Exactly. 100%. I mean, I I look back >> and I'm like, "Wow, I wish I knew a lot more of this, you know, back then, right? I I did well for myself in college. I, you know, I I I was also forced to grow up very early, right? I mean, I got I was already working at 15, 16 years old, you know, making money. Me too. I started at 15, >> like having to make money. And you know my obviously my parents helped where you know where they could but come 18 it was like I was not getting anything. It was like >> if I if I don't make money I I don't have anything right.

33:40 >> Um so I had I had to figure that out and I >> did well of making the money right especially for an 18-year-old still in college but finding ways to to be creative and find ways to make money that I did well. Right. And I think that's like the the Latino >> survival mode. You're like I need to survive. But one thing I didn't know how to do was save money >> because no one told me. It's like you make it great. No one told me that you got to make it and then save it as well.

34:07 >> Exactly. It's not only making it, saving it too for rainy days, right? >> You're only setting yourself up for that much more success, right? I mean, imagine even just putting, >> you know, 20% of my college income into a high yield savings account or even investing it a little bit more aggressively like in an Apple or an Amazon, right? And saying >> back in the days, imagine. Can you imagine? Imagine >> like like those are but no one's even having that. And then you look at a lot of these, you know, what they call old money, right? Especially here in Miami because Miami is kind of one of these cities that has has boomed.

34:39 >> But those are families that just did things right and well. They didn't >> they took advantage of the systems that were in place, right? They they followed protocol as to what you should be doing with your money. And they may have not been wealthy at that time, but now here they are. they are, >> you know, they've maybe owned their home since the, you know, since ' 60s, '7s, right? >> They took advantage of of the interest rates back in the day, right? Bought land, invested their money, started businesses, and now they're the ones.

35:06 >> And those are the baby boomers that nowadays is the wealthiest generation in history in the US. >> Exactly. >> Because they started back in the days, like in the 60s, I guess, and they started making money and now they're the wealthiest generation. Absolutely. And it's impressive. It's really impressive because I think they they start they were the ones who started like the movement. I don't think they were ready enough to have conversation with their children, right? But they started the movement and then probably a younger generation was like, "Okay, let's have this conversation with my kids." >> I think part of it too is they don't really understand yet what the benefits of it is, right? Now they're looking at what they did 20 years later and they're

35:43 like, "Ah, okay. Yeah, you need to do this too." You know? So totally I think for us like it's it's being able to now educate the next generation and and preparing them. Obviously things change right you know from generation to generation. So there's always a willing to adapt but at the end of the day a lot of the same systems are in place. >> Yes. And something too like younger generations now they have more resources than we did. >> True. >> Which is something they need to take advantage of and I think they do. Yes.

36:09 Right. Um also I think they need to surround themselves with you know good circle of people or community. you know, surround yourself with a circle or of people that you can go and have nice conversations, right? Like deep conversations. Like you can have conversations about money. You can have conversations about wealth. You can have conversations about everything and you're not going to feel like, "Oh, I'm left out." >> Exactly. >> You know, like look for those circles.

36:33 There's so many communities out there. So many. You would be surprised. just Google and go and you know you'll find people that are going to be in your same page that are also trying to learn that are also looking to see that how am I going to be investing even you know this guy should be >> educating us on Bitcoin and stuff you know like we are like so like you come here and tell me how I invest in BTC now >> it's true yeah and and I I think that you know that whole cryptocurrency >> was one of those things that everyone was like what is it but um >> and who were the first to understand it >> the younger generation yeah >> Mhm. cuz they was more >> completely digital too.

37:09 >> Exactly. They're like I can do everything right here. >> Exactly. >> And that was it for them. >> Digital since they were born. >> Yes. >> Our generations went in the transition from analog to digital. >> Yep. >> So we we are like in the middle and we get the digital things and we get the but we're not like pros like them. I see my brother. I'm like like they're so I mean crazy. Yeah.

37:30 >> Like he was born in the digital era. >> Yeah. It's true. And it's different. >> The internet was it's like the internet wasn't even around that long ago. Like there was a point where dialup was a thing and all these things >> Skypey and and it's and it's crazy to think about how much has evolved over the course of you know the last 15 years or so and how rapid it's changed and how continuously rapid it's going to change.

37:51 Obviously like AI is now the hottest conversation right now and we've just like touched the surface of what that's going to >> we don't even know what's down there. We try. We're trying. And in the corporate world, you try a little bit more because you need to understand. But again, they are the ones. >> Exactly. The next generation and and that's that's that, you know, when you talk about that >> hiring people and bringing in people of what they're good at, right?

38:15 >> Yes. >> The young generation will be the ones to come in, kind of lead this AI boom. Yet, you need kind of more of that, >> what's the word? Kind of the >> you know, original ways of thinking, right? into more practical ways of applying some of this, right? Because you need to find that that balance >> and have that perspective too. Like not be, you know, square minded, like be open-minded. Try to like I would love to have a 26-year-old guy giving me a class on Bitcoin. Like why not, you know, like tell me, tell me. I invest in Bitcoin. I do. Yeah.

38:45 >> But I mean, I need more information. Like what else should I be doing? Maybe I'm not doing the right thing. Maybe I'm not buying the right stable coin. You know what I mean? Like I think I mean maybe I'm missing something. I'm sure I'm missing something. So, okay, bring me that 25-year-old guy and you tell me what I have to do. >> So, they need to also be aware that they are very knowledgeable on things we are not. >> Yeah. >> You know, so just go out there and tell us what to do.

39:07 >> Oh, yeah. Very true. It it is a phenomenon that I think we all live in and it's it's interesting to see how everybody plays a role in it. But something that you brought up that I thought was interesting that I wanted to ask you, right? >> You talked about kind of like how >> back in the day, you know, females were not involved in a lot of these conversations. So for you, like now being one a Latina, but also, you know, Latina, you know, female in the in the in the space, like what does that mean to you? Like how how impactful is that to you? And how would you recommend, you know, someone that's in your space, Latina, that wants to get into something like this?

39:42 >> It means a lot. It means a lot to me. I'm very proud of what I've done to be honest and of who I am here in this country. Um I I had a lot of good again advice and you know family and friends around me that kind of guided me in the process and I grew up with two brothers, three brothers. So that was good for me because they gave me perspective and they were like sitting down to me and saying okay you need to do this. This is the way you have to buy a car not lease a car the first years just buy it cheap cheap car. So, I drove I drove a cheap car for years, but guess what? My insurance was 40 bucks, >> right?

40:17 >> And everyone was going into crazy, you know, very expensive leases, >> which is the Miami, >> which is the It's fine. I mean, that's fine, but I'm My brother was like, "Don't do it." I'm like, and I and I follow his advice, you know. So, in in a way, I am who I am because I had those, you know, people guiding me through the process. So I feel proud that I heard them because you have to listen to Yeah. >> You also have to listen. If you need, if you want to, you know, do something or create something, look for help.

40:44 >> If you want to be better at something, ask for help. So that's what I did. So So I'm proud. Um I'm happy with what I'm done to be honest. And I want to be someone who also pays back to whoever is coming into this country and not understanding the process because it's not easy. It's difficult if you're coming from Latin American country, completely different. If you're coming from Europe, it could be in some ways similar, right? In some ways, no. But it's just like I'm proud to be, you know, that person and I'm happy to sit down with whoever is lost in the process. And just tell them, hey, this is a way you can do things. Just have perspective, be patient, work hard because it's g something good is going to happen to you. Like always keep pushing. Keep pushing always because if

41:27 you stop, it's like game over. >> Yep. >> And it is what it is. And that that's a US grind, you know? That's what people, >> right? Which Yeah. I I I think there's there's something interesting in all of that, right? Where it's like what America has been built off of, right? Is is this work ethic and, you know, being a capitalist country obviously provides a massive level of opportunity, >> but it's like >> it's this never ending.

41:49 >> Yes. And then you think when is it too much? >> Exactly. Right. >> Cuz you hear about these countries like Europe, right? And you know, where >> it's a maybe a more laxed way of of living, right? But here we are. we have, you know, some of the most wealth in in the world, right? And that's because of the systems that are in place. And I and I think you >> at the end of the day here in America, you could pick and choose how you want to live.

42:11 >> I agree. >> You know, you live your life. There is essentially no untapped opportunity here. The sky is >> the limit. >> Not even the limit. Exactly. You know, there is no limit. >> Now, there's no limit. >> We'll be in Mars next year, you know. And and I think that's the way that's what makes America so special is the is the amount of opportunity and and the uncapped opportunity that is here. >> But you also have that opportunity to say hey like I am fine just making my salary taking advantage of the 401ks and the benefits and the insurance policies um that are in place for me and living a nice modest lifestyle because that exists too. I where I think the disconnect is is everybody thinks they have to go and be Jeff Bezos or they have to be Elon Musk, right? And they

42:56 because that's what's uh I guess sexified. I don't know if that's a word, right? Right. But that's what you know that's what America is all about. It's like you go be Jeff Bezos, which it is, right? You can, but you also can go be the respectable guy that owns the car shop across the street. Absolutely. You know making >> jobs to a lot of people out there that Yeah. Absolutely. you know, and I and I don't think that that is spoken enough or highlighted or celebrated enough.

43:19 That's a good point, right? I think that's where maybe the disconnect is. It's like America's great for the untap untapped opportunity, >> but you don't need to go for it if you want to, right? I think that that ambition is is always going to take you further and further and keep you motivated, but also realize, hey, you can make a great modest salary, run a small family-owned business, >> like you said, employee maybe two, three people, >> and all of a sudden, you you're taking advantage of what the systems are in place here.

43:46 >> I mean, good good thing or good news is that you can choose. >> Exactly. >> Because you have the options. >> Exactly. >> And you have alternatives and you have opportunities and like you said, on top opportunities out there. Maybe someone looks at something at you and you know you're good for this and they come and say hey why not do this you know you don't have to be the next Jeff Bessos you don't have to be the next you know Alam mask or I don't know Facebook guy whatever you don't have to just be yourself and that's something too as a Latina and as an immigrant sometimes you don't know how to you know act or react or like okay should I do this should I do that and then >> couple of you know not long ago I realized I have to be myself right like

44:22 that's where your magic is you have to be you >> because everyone else like they say is taken, right? But I mean it's like everyone else is taken. So just be yourself. And that's like that hit me like not long ago. I'm like yes, I have to be me because guess what? Somebody else it's somebody else. That's it. >> That's what makes you unique. >> Exactly. So just take advantage of it. Trust yourself, do the process, do the work. But I mean, you know that you can choose and there's different opportunities for everyone. Absolutely.

44:48 >> And there's on top opportunities like you said. So I agree 100%. >> Yeah. No, absolutely. I have one last question for you and and it it's kind of piggybacking off kind of both right we talked about the opportunities here in America >> and then you know kind of like this estate planning and kind of planning for you know the next generation >> but in this process right cost of living has also gone up in the United States right >> so how have you seen it kind of evolve when it comes into like estate planning and kind of like the next generation knowing that cost of living is more expensive in the states >> that's a good question because It depends on on who you ask, right? Like >> um >> you know, people like us, mortals, I guess we feel it more.

45:30 >> Yeah. >> Um because you know, first time ever we felt inflation in Miami for the past, you know, four or five years after COVID right? >> Um and then if you ask wealthy families, I mean, they might tell you they feel it too. and and that means they have to be a little bit more creative or maybe more uh proactive on investments because they want more money and they want you know more gains and return of investments. So they're like maybe looking for more opportunities on investing and maybe going into AI, you know, going into all those new projects, right? So you kind of see that they diversify a lot, which is which is good, right? So they go it's not only the financial world in terms of like public market, you know, stock exchange. It's also like the private equity world, right? Like I want to invest in private equity. Like everybody

46:15 knows it's different. Everybody knows it takes time. It's different type of investment. But guess what? They're maybe doing it for their kids or maybe they're thinking of the legacy. Exactly. longterm opportunities and then diversify on real estate and stuff. So I think is an opportunity for wealthy people to be honest like they they they start looking for new options right because they know they have the money but they also know that it's less money like their mindset is different right so they're like okay I have the money that's fine but why am I losing money because of the inflation or because of this or because of that so you have to take the money and invest it because if you don't do it then you're losing money just just not doing anything you're losing the money anyway because you got inflation you know so that's one point

46:55 and and And I feel that for us I mean mortals again mortales we have to be uh more aware of savings you know we have to find we have to do our health checks in terms of financial health checks you know we have to sit down do the work maybe do like a nice I don't know night date with your spouses and whatever and sit down and say where where can we save what can we do where can we invest like those type of exercises you know they call it admin nights Nowadays, it's like you sit down with a glass of wine or whatever, but you're having those conversations and you're having those conversations.

47:31 >> Conversations are just should be had whether things are going great, things are not going so great. >> Finding it a way to make sure that you're holding yourself accountable, right? Because it's very easy to >> I know, >> you know, and then like you said, you got to be proactive, not reactive. >> Proactive all the way. And something I see about this, you know, well, millionaires or billers, we know they see opportunities where we don't see them, >> right? which is amazing. So we are thinking about inflation. we are thinking about I don't know horrible things whatever right financially speaking these guys these guys are like you know thinking about okay this is what I can do right this is what I'm gonna do I'm gonna bring someone I'm going to do this I'm gonna mix it out so

48:08 that that's how we have to think too we have to like you know >> shift shift the perspective shift shift away absolutely you know where where there's a problem there's an opportunity exactly and instead of like being like oh my god oh my god oh my god >> like freaking out like this is too expensive yes it is it is but guess what let's do something about it it's not just you know whine Exactly. Exactly. >> I mean, there's you can choose again.

48:29 >> Absolutely. >> You choose. >> Absolutely. No. Amazing. That's incredible advice and insight into it. And then my last more fun question. Okay. >> You've been San Fran, New York, obviously Venezuela, but what is it that makes Miami so special? >> Wow. The melting pot of Latin. >> Yeah, that's >> I mean for me is I It reminds me a lot of Venezuela in a way. It's very tropical. >> Yes.

48:55 >> Which I love. Mhm. >> I love the beach. I have to be close to La Pla because, you know, I love to go to the beach. >> I think Miami is unique because it's um a city that is still growing. If you go to other cities in the US, they're already there. They've been there for 250 years, right? Miami is a really new city. >> There's so many things to do in here, >> so many opportunities that we haven't even seen, right? And and we're we're not even there yet.

49:20 >> No, not even close yet. >> Um I love the tropical vibes about it. I love that we have the melting pot of Latinos, which is great. Sometimes I don't like it when I'm driving on 95, right? But, you know, when I'm here, I I get it, right? Like, we're cool. We're all the same. I love it, right? Even though we come from different backgrounds, but we have that thing that >> it's just a connection. Yeah. >> Uhhuh. That other other cultures don't have.

49:41 >> And I love that, you know, Americans come here, gringo come here, they're like, "What is this?" Like, "This is not even the US." You know, they don't even feel they're in the US, which is funny because everybody speaks Spanish. It's just like a different, you know, thing. I like that, too. And then it's like the US Caribbean in Miami. >> It is unique. I think it hasn't done like Magic City like they call it, right? And and I think we haven't seen it all yet.

50:02 >> No. No, I agree. I think CO I think expedited the inevitable of what Miami was going ahead to. And to your point, >> we're just touching the surface of what Miami >> Exactly. >> can be and will be. Obviously, you have the international component to it from Latin America, Europe, the Caribbean, >> investment, >> all that opportunity that's there and then just all the influx of opportunity from the United States, right? Being able to tap into the opportunities that >> But you know what's cool? Seeing the evolution of a city where you live.

50:33 >> Mhm. >> Like, you know, try to think 20 years ago right? >> How how was it? >> Oh my god. You wouldn't even recognize this city. >> Ah, let's say Bickl Avenue. >> Yeah. Oh my god. I'm always astonished when I'm going down the A36 and I look towards downtown and I'm like >> exactly >> I don't remember that many buildings being there. >> The skyline, right? Yeah.

50:49 >> It's so I love that. I love the fact that I saw it 26 years ago. >> Especially like coming from like New York and then you go to Miami, you're like, "Oh, okay. I I see what's happening here." >> I love it cuz you see the city growing like you are actually seeing what what's happening and I love that. >> You go to New York and everything's already there which is cool though, but it's already there. I mean the Brooklyn Bridge is already there. You never saw someone building the bridge, right? You are seeing here people building the bridge.

51:13 >> That is true. That is very true. >> And I think that's cool. >> That is cool. Yeah. What I think you we could say that now, Pedal, when you're sitting on the traffic on 95, >> people are going to be like, I hate that bridge. Why the hell are they building that thing? >> Why are they doing construction every single night? >> Why have they been building since 2000 year 2000? >> Exactly. No, you'll say when it takes it takes that Exactly. I It's the growing pains of a city. And I I think once once we get through it, we we'll be like, "Holy cow, look what Miami has become." >> I love that. That's what I love about it.

51:44 >> That's awesome. Well, >> Annabella, thank you so much for taking the time. I really enjoyed this conversation. >> Me, too. Thank you so much. >> And I know we were talking offline. Maybe maybe we have a a nighttime segment. >> Yes, we should do.

52:03 Well, thank you guys for graciasella for being here. And as always, enjoy your capacito, enjoy your kroettas, and we'll see you on the next one.

Questions about this episode

Who speaks in "From Venezuela to Miami: Anabella Murillo’s Immigration & Wealth Story"?

Andre (Host), Anabella Murillo (Guest).

What is "From Venezuela to Miami: Anabella Murillo’s Immigration & Wealth Story" about?

Anabella Murillo shares her journey from Venezuela to Miami, detailing her transition from a tax career in her home country to establishing herself in the financial industry in the United States. She reflects on the challenges faced during her immigration and the evolving socio-economic landscape both in Venezuela and globally, highlighting her resilience and adaptability in pursuit of success.

What is mentioned in this Stay Tranquilo episode?

16 people, works and ideas are mentioned, including Annabella Murio, Trust, Miami, Venezuela, New York, New York, 2008 Financial Crisis. Each one on this page links to its own page with every episode that mentions it.

How long is "From Venezuela to Miami: Anabella Murillo’s Immigration & Wealth Story"?

The episode runs 52 min; the transcript is about 11,875 words in 102 timestamped sections.

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