Julio Cañas, financial advisor and strategist for business owners in the United States

The path

From Maracay to Miami, with stops in Caracas and New York.

1. 1985-2002 · Roots

   Where I learned to turn knowledge into money.

   I grew up in Maracay, the son of an agronomist and an endocrinologist. At home there was a big library and two people always reading. My older brother, an economist from UCAB, was my model from the time I was a kid. In high school, my dad paid me $3 for every good grade. Without quite realizing it, he trained me to turn what I knew into money. In 1996 we moved to Caracas. In 2002 I enrolled at UCAB to study Economics, following in my brother's footsteps.

2. 2002-2011 · Banking and the classroom

   Two classrooms at once: the bank and the lecture hall

   I started at UCAB in 2002 to study Economics. I graduated in 2007, the same year my first son Diego was born. Venezuela's financial system was contracting, and banks were disappearing. It was time to look abroad. Alongside a career at some of the most important firms in the Venezuelan financial system, I also taught financial mathematics at UCAB: first as a teaching assistant, then as a professor until January 2011. Almost a decade in front of a classroom. That is where the passion for teaching was born, the one that defines everything I do today.

3. 2011-2013 · The leap to Miami

   From corporate executive to building my own base in Miami

   I left Venezuela as the corporate CFO of an international financial group. From New York I coordinated investments, banking acquisitions across the Caribbean, and oversight of entities in Aruba. I lived in Scarsdale and worked in Manhattan. For the first time I saw the full financial picture from the top down. In 2012 the New York division shut down and the group pivoted toward the Caribbean and Central America. I stayed in Miami: in February I earned my Series 65 license (Investment Adviser Representative) and started building something of my own. Miami became my base.

4. 2013-2016 · Training and reinvention

   The master's degrees while building something of my own

   Master's in Financial Markets and Asset Management (IEB Madrid, 2013). Florida 2-15 in 2014. Worked as an independent consultant on financial projects that laid the groundwork for what came next. In 2016: MS in Banking and Financial Services Management (Boston University) and the birth of Fintelhub®, my education project with a premise I had carried since Caracas: before you advise someone, you have to teach them to think differently about money.

5. 2016-2018 · The genesis of the group

   Consolidating with the Latino business owner in Miami

   I consolidated my practice with Latino entrepreneurs and small businesses based in Miami. My audience came into focus: service-business owners who needed more than an investment advisor or an insurance agent. They needed an orchestrator. Every client was a lesson in what the Latino business ecosystem in the United States actually needs. These years were the genesis of what FintelGroup™ is today.

6. 2018-2023 · The piece almost nobody studies

   When I understood that money is behavior.

   Without ever stepping away from my clients, I became obsessed with one question: why do brilliant entrepreneurs make bad financial decisions? The answer was not in the numbers. It was in the behavior. Five years devoted to the piece almost nobody touches in advisory work: the psychology of money, the neuroscience of decisions, founder biases. That stretch gave birth to Bioneurofinanzas™ and rewrote how I work with every client.

7. Today · FintelGroup™

   Three companies. Two fronts. One mission.

   FintelGroup™ with its three brands (FintelAgency™, FintelAdvisers™, Fintelinsurance™) as my core practice. And from there, my work expanded into a second front you will see further down. 100+ companies advised. 1.6M+ downloads of the Despierta Tus Finanzas® podcast. And the book that documents the full system: Secretos del Empresario Millonario™, on the way.

The methodology

The Three Orders

Most advisors only address one of the orders.I work all three at once.

After 20 years working with business owners, I reached one conclusion: financial problems are rarely a single type. There are almost always three layers. And for the system to work, all three have to be aligned.