Francisco Fernandez-Alvarez is a founding member of Fernandez Cuyar Rovira & Pla LLC. Mr. Fernandez's practice is concentrated in two areas - employee benefits and taxes. In his employee benefits practice, Mr. Fernandez advises and counsels businesses and individuals on the constitution, implementation, administration and reorganization of qualified and unqualified corporate and personal retirement, pension and deferred compensation plans. With regard to his tax practice, Mr. Fernandez advises and counsels businesses and individuals on how to lower their tax exposure, as well as, structuring the local investments of businesses interested in establishing operations on the island. Mr. Fernandez further advises businesses and individuals seeking tax decrees from the Puerto Rico Department of Economic Development and Commerce. Speaking Engagements Mr. Fernandez is a regular speaker at employee benefits presentations sponsored by brokerage firms doing business in Puerto Rico, including West Indies Management, Pinnacle Wealth Management Services, Inc., HJ Sims, Pension Administrators Group Inc., Primerica and Merrill Lynch, among others.