Ricos na América

What Ricos na América does

Ricos na América (operated by NAVY INVEST LLC, a Maryland-registered LLC) is a Portuguese-language financial education platform founded in 2020 by Verena Cordeiro. Its core product is a self-paced, cohort-based online course that teaches Brazilian immigrants in the United States how to open US brokerage and bank accounts, invest in ETFs, stocks, mutual funds, REITs, and fixed income, build emergency funds, manage credit and debt, understand US taxation, and plan for retirement. The platform is delivered entirely online via a web portal, supplemented by live Zoom "monitorias" led by instructors (notably Jonathas Souza) and a private Facebook community of current and former students. According to company materials, the platform has served over 16,000 students cumulatively across the US, Brazil, Canada, Australia, Portugal, Angola, and Mozambique.

The underlying technology stack is deliberately minimal: a 100% online course platform hosted on commodity cloud infrastructure (Google Cloud, AWS), with live sessions delivered via Zoom, a Facebook community group for peer learning, a YouTube channel as the primary content marketing surface, and supporting Instagram and TikTok profiles. The company has extended the platform into three ancillary lines: an advanced sub-brand called "Milionários na América" for alumni seeking denser investment content; an RNA Podcasts series distributed via YouTube; and a branded merchandise storefront (powered by Fourthwall). There is no proprietary AI or financial product technology disclosed — the differentiation sits in the curriculum, the Portuguese-language native framing for immigrants, and the cohort + community structure.

Ricos na América monetizes through one-time course enrollment fees sold via a waitlist-led, cohort-based funnel, with pricing not publicly disclosed and a 7-day refund guarantee. GTM is community-led and content-led: YouTube functions as the top-of-funnel acquisition channel, a WhatsApp/email-based waitlist creates scarcity, and alumni testimonials drive word-of-mouth into the next cohort. The customer base is granular — individual SMBs/retail learners — with no enterprise contracts or major customer concentration. The company has 17 employees, lists a registered trademark, and operates from a single registered address in Oakland, Maryland.

Name

Ricos na América

Legal name

Navy Invest LLC

Website

https://ricosnaamerica.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Ricos na América is a Portuguese-language, cohort-based online financial education platform that teaches Brazilian immigrants in the US how to invest in US markets, manage debt, and plan for retirement, supported by live mentoring sessions and an alumni community of 16,000+ learners.

Ownership category

akta.pro rank

Product category

Financial Education

NAICS

Educational Services (611), Educational Support Services (611710)

akta.pro primary industry

Financial & Consumer Integration (Banking, Credit, Taxes) (EDAAADAG)

akta.pro secondary industry

Credit & Debt Management (Credit Scores, Loans, Repayment) (EDAAAJAC)

Keywords

• Financial literacy education
• Personal finance courses
• Investment education
• Immigrant financial services
• Online education platform

Headquarters

HQ city

New York, NY

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Online Course Enrollment: The primary revenue stream is paid enrollment in the Ricos na América online course, which teaches Brazilian immigrants to invest in US financial markets. The course is sold as a cohort-based program with live mentoring sessions, community access, and study group support. Students enroll through a waiting list when a new cohort opens. The company also maintains a separate shop (fourthwall.com store) selling branded merchandise.
2. Merchandise / Store: A separate online storefront (ricosnaamerica-shop.fourthwall.com) sells branded merchandise to the community of students and followers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Ricos na América is a Portuguese-language financial education platform offering an online, cohort-based course that teaches Brazilian immigrants in the United States how to invest in US financial markets, manage personal finance, build credit, and plan for retirement. The course is delivered 100% online and self-paced, supplemented by live mentor monitorias on Zoom, a private Facebook alumni community, and step-by-step curriculum covering brokerage accounts, ETFs, stocks, mutual funds, REITs, fixed income, credit, taxation, and emergency funds.

Product overview

Ricos na América is a financial education platform primarily offering an online course focused on US investing and personal finance for Brazilian immigrants. The core product is the Ricos na América course, supplemented by an advanced sub-brand called Milionários na América for more advanced content. The platform also distributes educational podcasts via YouTube (RNA Podcasts) and maintains a branded merchandise storefront (Loja/Ricos na América Shop). The course is delivered asynchronously online with live mentorship sessions, study groups, and a community component.

Differentiator

Problem solved

Functional benefit

Products and services

• Ricos na América Course An online, cohort-based financial education course teaching personal finance fundamentals, US investing strategies, retirement planning, credit scores, US taxation, and wealth-building specifically for Brazilian immigrants and Portuguese speakers seeking to invest in the US market. Delivered 100% online and self-paced, with live Zoom monitorias, mentoring, and access to a private alumni community.
• Milionários na América An advanced financial content project under the Ricos na América umbrella, providing denser, more advanced investment and financial planning material for alumni and current students of the core RNA course, led by investment specialists including the economist Marcelo Veit.
• Ricos na América Shop (Loja) An e-commerce storefront on Fourthwall (ricosnaamerica-shop.fourthwall.com) selling branded merchandise and related products to the Ricos na América community of students and followers.

Quantifiable outcome

• Over 16,000 students trained across the USA and worldwide
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Payment Processors (third-party)minorOthersThird-party payment processors are used to fulfill online purchase requests and process course enrollment transactions. Mentioned in the Privacy Policy as service providers with contractual obligations to protect user data.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SmartAsset: SmartAsset is a US financial education and matching platform connecting consumers to advisors and products. It overlaps with RNA's personal-finance-education positioning but operates at much larger scale and in English only.
• Investopedia: Investopedia is one of the largest financial education websites in English, covering investing, personal finance, and trading. Comparable as a financial-education business but serves an English-speaking, US-domestic audience without RNA's immigrant or Portuguese-language specialization.
• NerdWallet: NerdWallet is a US-based personal finance education and comparison platform. Comparable in business model (free content + lead-gen/monetization) but English-only and broader audience, making it a broad incumbent in financial education rather than a direct immigrant-niche peer.
• Inter (US / Global account): Inter is a large Brazilian digital bank with US-account and investing features for expats. It serves the same underlying customer base as RNA (Brazilians in the US) but as a broader incumbent offering financial products rather than education.

Direct peers

• Avenue Securities: Avenue is a US-based brokerage built specifically for Brazilian investors and expats to access US markets. Like Ricos na América, it targets the Brazilian diaspora seeking to invest in dollars, making it a directly comparable product in the same customer segment.
• Primo Rico: Primo Rico (Thiago Nigro) is a major Brazilian personal-finance education brand with courses, community, and large social channels. Comparable to RNA in business model (Portuguese-language financial education, paid courses, community ecosystem) though it operates primarily inside Brazil.
• Me Poupe!: Me Poupe! is one of Brazil's largest financial education brands (Nathalia Arcuri), offering courses, content, and community around personal finance in Portuguese. It is the closest direct competitor in the Portuguese-language financial education space, though focused on Brazil rather than the US market.
• Bossa Nova Invest: Bossa Nova Invest is a Brazilian educational platform teaching expats how to invest in the US market. It competes head-to-head with RNA on the same Brazilian-immigrant-in-the-US audience and content niche.
• Nomad (US investing for Brazilians): Nomad is a Brazilian fintech offering US brokerage and banking accounts to Brazilians and expats. It directly serves the same niche audience as RNA — Brazilian immigrants investing in the US — and competes for the same customer's wallet, both for actual investing and for educational content.

Emerging players

• IRGlobal / US Tax Help for Brazilians: IRGlobal and similar firms offer US tax filing and advisory services tailored to Brazilian immigrants in the US. Partial overlap with RNA's audience (Brazilian expats navigating the US financial system) but focused on tax rather than investing education.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ricosnaamerica
• Facebookfacebook.com/p/Ricos-na-Am%C3%A9rica-100083826900432
• Instagraminstagram.com/osricosnaamerica
• LinkedInlinkedin.com/company/ricos-na-america

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ricos na América