Real financial experience for one of the most complex challenges facing professional talent.
Hermes Conesa has spent more than two decades making financial decisions where investments, financial planning, tax strategy, retirement, cash flow, and debt converge.
Professional background
Before creating Descifra, Hermes built his career at institutions including Citi and Merrill Lynch, directly managed more than $250 million in investment assets, and founded and led a registered investment advisory firm serving clients in Puerto Rico and Florida. As its lead advisor and CEO, he was responsible not only for the recommendations, but also for the judgment, processes, and fiduciary responsibility behind them.
Multidisciplinary perspective
His work was never limited to investment management. As part of a tax and business advisory firm, he worked alongside CPAs, accountants, and tax professionals to connect decisions involving tax filing, cash flow, retirement, investments, business structure, and long-term wealth creation.
That multidisciplinary experience shaped how he approaches student loans. For more than 14 years, Hermes has evaluated strategies involving over $150 million in student loan debt, integrating the loans with taxes, investments, retirement, career decisions, and opportunity cost. In his view, choosing a repayment plan has never been the complete analysis.
Why he created Descifra
Hermes created Descifra to bring that level of analysis to organizations and their talent. Descifra transforms complex federal rules and hundreds of financial variables into clear strategies, informed decisions, and concrete action plans—while protecting employee privacy and keeping Human Resources out of the business of administering individual financial advice.
Descifra was not created by observing the problem from the outside. It grew out of years managing money, advising complex financial decisions, and seeing how student loans can reshape a professional’s entire financial life.
The experience behind Descifra
More than 20 years of financial-services experience.
More than $250 million in investment assets directly managed.
More than $150 million in student loan debt analyzed.
More than 14 years analyzing student loan strategies.
Education & specialization
- BBA in FinanceUniversity of South Florida
- MBAFlorida International University
- CSLP® and CRPC®Learn about the CSLP® designation ↗
Technology makes it possible to analyze more. Professional judgment determines what matters.
Every Descifra analysis is reviewed by a financial planning professional who holds the Certified Student Loan Professional® (CSLP®) designation before the employee receives their strategy and action plan.
It's not a founder feature. It's a Descifra standard.
The employee's financial information remains confidential.
The employer does not have access to the employee's student loans, income, tax information, or other personal financial information.
The organization can offer Descifra as a benefit. The employee's individual financial situation remains between Descifra and the employee.