Business owners should understand their numbers.
About Zephyr
Why Zephyr Exists.
Zephyr Tax & Advisory was built around a simple belief: business owners deserve an accounting partner who is responsive, proactive, and genuinely invested in their success.
Too many businesses experience accounting as a reactive service focused only on deadlines and tax filings. Zephyr was created to provide something different: year-round support, transparent communication, and trusted guidance.
Our philosophy
What We Believe.
Questions deserve timely answers.
Compliance should never be an afterthought.
Clients should never be surprised by invoices.
Technology should improve the client experience.
Long-term relationships create better outcomes.
Partner · CPA, MD
Meet Ricardo Arriaga.
Ricardo Arriaga never followed a traditional career path.
A Certified Public Accountant, Medical Doctor, military officer, entrepreneur, husband, and father, Ricardo has spent his career solving complex problems across multiple professions. Those experiences shaped the way he approaches client service today.
After years of working with business owners, Ricardo noticed a common frustration: too many accounting firms were reactive, difficult to reach, and focused solely on compliance. Business owners deserved more than tax returns and financial statements. They deserved a partner who could help them understand their numbers, navigate challenges, and make informed decisions.
That belief ultimately led to the creation of Zephyr Tax & Advisory.
Today, Ricardo works closely with businesses throughout Puerto Rico, helping them stay compliant, understand their financial position, and build stronger organizations. His approach combines technical expertise with clear communication, proactive guidance, and a commitment to making accounting feel less overwhelming.
When he is not working with clients, Ricardo enjoys spending time with his family, staying active, pursuing new business ventures, and continuously learning.
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Meet John Bonilla.
John Bonilla's career has been built around helping organizations navigate complexity.
Throughout his professional journey, John has worked extensively within the healthcare and clinical research industries, environments where success depends on organization, communication, accountability, and the ability to manage complex projects involving multiple stakeholders. These experiences helped shape the way he approaches both business and client relationships today.
At Zephyr Tax & Advisory, John brings a process-oriented mindset and a strong commitment to client service. He believes that business owners should have access to clear information, responsive support, and advisors who genuinely understand their goals.
John is passionate about helping entrepreneurs and business owners create structure, stay organized, and make confident decisions. His focus is on building long-term relationships and ensuring that clients feel supported every step of the way.
Outside of work, John enjoys spending time with his family, pursuing personal interests, and continuously learning through new experiences and challenges.
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Life outside the office
People First. Professionals Always.
At Zephyr, we believe great client relationships are built on trust, communication, and understanding.
While we are passionate about helping businesses succeed, we are also spouses, parents, entrepreneurs, community members, and lifelong learners.
Those experiences shape how we serve our clients every day.
Looking ahead
Building The Firm We'd Want To Hire Ourselves.
Our goal is simple.
To become Puerto Rico's most trusted accounting, tax, compliance, and advisory partner for businesses that value organization, transparency, and professional guidance.
Every decision we make is guided by that vision.
Let's Build Something Great Together.
Whether you are launching a new business, cleaning up your books, navigating Act 60, or looking for a long-term accounting partner, we would love to learn more about your goals.