The Executive Team
Roberto Bernal
Chief Executive Officer
Roberto Bernal is the Founder and CEO of Lyon Bern, a fiduciary wealth and asset management firm based in Puerto Rico. With over 12 years of experience in finance, accounting, and investment management, Roberto specializes in the architecture of complex financial strategies and advanced investment portfolios designed to optimize performance, manage risk, and generate alpha.
As a Certified Exit Planning Advisor (CEPA), Roberto also leads Lyon Bern’s Legacy Value Advisory division—guiding business owners and physicians through the value acceleration and exit planning process with a clear focus on protecting and growing their life’s work. His areas of expertise include financial risk management, business succession strategies, and comprehensive financial planning for high-net-worth individuals.
Roberto earned his BBA in Finance from the University of Dayton in 2013. He began his career as a Fund Accountant at a global asset management bank, gaining valuable experience in finance, accounting, and mutual fund operations. In 2014, he transitioned into personal wealth advisory, developing financial roadmaps for clients across various life stages. From 2016 to 2019, Roberto served as Executive Vice President of a local financial planning firm, where he focused on delivering tailored financial strategies to Puerto Rico’s physicians and medical professionals.
Today, as CEO of Lyon Bern, Roberto oversees portfolio construction, diversification strategies, and client experience. His relentless drive is to offer a truly differentiated service built on trust, transparency, and fiduciary responsibility. His mission is clear: to empower clients with actionable strategies that align with their values and long-term financial goals—not financial transactions.
José M. Crespi Iglesias
Chief Investment Officer
Mr. Jose Crespi is an Investment Adviser Representative and portfolio manager who builds equity, fixed income and balanced portfolios appropriate to investor’s objectives. Jose conducts significant, in-depth investment opportunities research including analysis of underlying fundamentals, technical analysis and continuous monitoring of the macro and micro economic outlook.
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After graduating from his master’s degree in Public Health he found a passion in stock analysis and trading and decided to pursue a career out of it working with private equity firms, investment advisory firms and financial services companies. Mr. Jose Crespí has received many in-depths trainings focused on markets, technical analysis and portfolio management.
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As CIO of Lyon Bern, Jose's main responsibilities include managing Lyon Bern's proprietary investment portfolios and their underlying positions; while researching, analyzing and modifying them to adjust to any economic and market scenario. Applying his extensive technical analysis knowledge, Jose is responsible for applying Lyon Bern's portfolio risk management strategies, aimed at reducing and protecting client portfolios from downside risk derived from market volatility systematic risk.
Lynnette M. Figueroa
Clients Relationship & Operations Manager
Lynnette is an entrepreneurship and marketing expert with over 20 years’ experience in management and administration of brands and/or businesses. After graduating from the University of Puerto Rico in 1991 with a bachelor’s degree in Marketing & Finance, and later a master’s degree in Marketing, Lynnette acquired extensive experience in banking, sales, and marketing. Further down her career, she focused on brand management and business administration with an entrepreneurial focus which enabled her to open her own business in 2007.
After joining Lyon Bern LLC in 2019, Lynnette quickly began working as Client Relationship & Operations Manager, becoming a key component in Lyon Bern’s growth. Lynnette’s responsibilities include assisting in the day-to-day operations of the firm and being a liaison between our custodial and our clients assisting them achieve a smooth onboarding process and maintaining a high-level customer satisfaction.
Ferdinand Ruaño
Senior Economic Advisor
Ferdinand Ruaño is a serial entrepreneur with ample knowledge in Finance, Wealth Management and Real Estate due to his professional history and development. Among many career accomplishments and adventures, he helped the South African government raise funds and capital in Nelson Mandela's transition in 1994.
With a Finance degree from the University of South Florida, Ferdinand was a securities broker and broker for 5 years in a row for the top 2 stockbrokers in the United States and Puerto Rico. He was considered a pioneer in international investments in Puerto Rico and part of Who is Who on Finance in 1998-1999.
Ferdinand Ruaño also graduated with an M.B.A from Loyola University New Orleans. In 1982 he started working in finance and economic advisory, in 1985 he developed various investment models and created “Total Financial Planning” which later became “Ruaño Investment Planning Group Inc.”.
As a businessman and financial advisor, he worked with various companies in the wealth management industry and was a registered representative for different renowned broker-dealers of the United States. As one of the highlights of his career, he helped raise capital by working as a consultant for the initial public offering of Genaissance Pharmaceuticals in 2000.