With over 40 years of specialized knowledge and experience on Puerto Rico tax law under his belt, Ricardo is a well-regarded authority on a wide array of issues pertaining to estate planning; the estate, gift, and income tax implications on investments held by either Puerto Rico residents or organized entities; and the different tax benefits and exemptions available under various Puerto Rico's tax incentive acts to both existing Puerto Rico residents and those considering relocating to the island, including Acts 20 and 22.

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Ricardo was born in Ottawa, Canada. He is a history buff, and an avid collector of:  pre-Columbian artifacts from the aboriginal Taíno culture of PR, the Maya civilization, and the Chimú and Moche cultures of Perú; medieval Spanish coins; and Spanish coins minted in the Americas.