
MIA Consulting is presently working with clients in eighteen states to develop assisted living projects. Financing for our projects includes tax-exempt bonds, low-income tax credits, capital fund leveraging and conventional banks loans in partnership with tax credit developers with extensive experience in assisted living projects in the United States.
We are currently under contract with US Housing and Urban Development (USHUD) to create a partnership with the Department of Health and Human Services (HHS) to provide support and facilitate public housing assisted living projects throughout the United States.
| - Small Business Administration 8(a) | - Hispanic Business Enterprise |
| - Women Business Enterprise | - Minority Business Enterprise |

Ms. Bretos is a graduate of Oberlin College, and received an MBA from the University of New South Wales, Australia.

Mrs. Bretos has extensive experience as a management consultant with Accenture and IBM. Among Mrs. Bretos' major accomplishments have been project management and the development and implementation of new processes/methodology in the areas of business, staffing, training, communications and performance management.
Mrs. Bretos holds a Master's degree from the London School of Economics and a Bachelor of Arts from Smith College.


Ms. Seff has conducted market analysis for MIA Consulting Group's clients interested in developing new construction assisted living facilities. She has also completed evaluation reports on projects.
Ms. Seff has an MBA from the University of North Carolina in Chapel Hill.

Eduardo Carvajal, Senior Financial Analyst
Mr. Carvajal is a licensed Financial Analyst with considerable experience in all aspects of corporate financial analysis.
Mr. Carvajal has an extensive knowledge base in the analysis of historical, pro-forma and projected business operations from his time as a Senior Financial Analyst for a top-three investment bank, as well as financial consulting on many large national and international transactions. Mr. Carvajal has been contracted by MIA Consulting to provide corporate and internal financial consulting for many of its clients as well as strengthen the firm's business network.
Mr. Carvajal holds an MBA in Finance from the University of Miami and a Master's of Science in Industrial Engineering from the University of Miami.
Vivian Garriga, Associate Administrator
Ms. Garriga has over 20 years of sales experience, including national and regional key accounts management, product launches, territory management and training of sales associates. Ms. Garriga is an experienced and certified ALF administrator with considerable experience in operation management and sales and marketing.
Ms. Garriga holds a Master of Business Administration from the University of Sarasota and a Bachelor of Arts in Social & Behavioral Sciences from the University of South Florida.
