Build a Better Financial Future

Jose is from the small town of Glorieta, New Mexico. Although poor monetarily, he was raised in an environment that was wealthy in traditions, family, and community. His parents were both educators and community leaders, and inspired Jose throughout his life. He learned the value of a hard-earned dollar and the effort and sacrifices to keep it. Jose is a military veteran, the founder of his own fe...

The S&P 500 is now in bear market territory. Before you make any moves, tune in to learn four things you need to know about bear markets. Notes: In this episode, Luis talks about the following and more: Definition of bear market Average occurrence and length of bear markets The one thing you should not do during a bear market The importance of a diversified portfolio   Resources: Download the 3 Fu...

Inherited IRAs can be a great way to continue to build wealth. Tune in to learn the IRS distribution rules in order to minimize taxes on your distributions and take advantage of tax deferred growth. Notes: In this episode, Luis talks about the following and more: Required Minimum Distributions Spouse vs Non-Spouse IRS rules IRAs with Multiple Beneficiaries The benefits of disclaiming all or part o...

A solid financial foundation is key to building generational wealth. Tune in to listen to easy to implement ways that you can start on your money journey and build a better financial future for yourself and generations to come.  Notes: In this episode, Luis talks about the following and more: The importance of generational wealth How to help your kids build credit The gift you can give your kids a...

Knowing and keeping track of your net worth is a great tool to measure progress in your finances. Tune in to learn how to grow your net worth and build a better financial future.  Notes: In this episode, Luis talks about the following and more: How to calculate your net worth Strategies for growing your net worth Good debt vs. bad debt Ways to protect your net worth   Resources: Download the 3 Fun...

The major stock market indices are in negative territory year to date. With talks of a possible recession, inflation, and the war between Russia and Ukraine, there is a lot of uncertainty. Tune in to learn the do's and don'ts when the stock market is down so that you protect your investments and don't make a fear based decision. Notes: In this episode, Luis talks about the following and more: Pani...

Prices of goods and services continue to rise as a result of inflation. Tune in to learn how this impacts your personal finances and some things you can do to help offset the effects of inflation. Notes: In this episode, Luis talks about the following and more: What inflation is and why it happens How your money in the bank is actually losing money over time The second silent killer eating up your...

Financial education starts at home. Now more than ever, it is important to teach our kids about personal finance at a young age. Tune in to my conversation with Mac Gardner, CFP® where we talk about Mac's book, The Four Money Bears as well as the game/app currently in development.  Notes: In this episode, Luis & Mac talk about the following and more: The importance of teaching our kids financial l...

Have you ever continued doing something that no longer serves you only because of the amount of time, energy, money & effort that you've invested in it? Tune in to learn how this behavior negatively impacts your future and how to avoid it! Notes: In this episode, Luis talks about the following and more: What a sunk cost is Why we become subject to sunk cost fallacy The negative ways that sunk cost...

In this Women's History Month special episode, Luis speaks to Brittney Castro. Brittney is a leading speaker, host, and brand ambassador and has worked alongside top brands like Chase, Mint, ETrade, CNBC, Gemini, AirBnB, Zoom, Altruist, Refinery29, and more to promote financial literacy via media interviews, video content, celebrity, and expert interviews, TV appearances and more. ​ At the age of...

Paving  Your Own Path to Success: Women Entrepreneurs In this Women's History Month special episode, Luis speaks with Suzanne Lawrence. Suzanne is CEO and founder of Advisor Business Solutions based in Long Beach, CA. She is a strategic business management specialist with over 20 years of experience providing business solutions and marketing strategies for financial services, government agencies,...

In this special Women's History Month Episode, Luis speaks with Miri Rodriguez. Miri is a globally recognized Storyteller and author of  Brand Storytelling . She is a creative journalist and content strategist, evangelizing brand narrative and showcasing how thought leaders can leverage storytelling techniques for culture activation and influence in the digital age. Miri has earned several awards...

Less than half of the women in the U.S. are investing. Tune in to learn some of the reasons why, and how women can start taking charge and invest in their future.  Notes: In this episode, Luis talks about the following and more: Reasons why women tend to not invest Factors that benefit women Disadvantages that work against women How women can start investing today   Resources: Download the 3 Funda...

Many people are under the misconception that their landlord's policy will cover them in case of an incident. Tune in to learn why you may want to consider purchasing a renter's insurance policy. Notes: In this episode, Luis talks about the following and more: You're not covered by your landlord's policy.  Protecting your personal belongings. Liability coverage. Covering your belongings while trave...

Got refund? Tune in to listen to the top 6 strategies you can use to make your tax refund work for you! Notes: In this episode, Luis talks about the following and more: A unique opportunity that expires at the end of tax season How you can use your tax refund to create a ripple effect in your finances The many ways you can invest in yourself   Resources: Download the 3 Fundamental "Money Moves" to...

Money conversations with you and your partner do not have to be unpleasant. Having a money date will help you both be on the same page and help get you closer to achieving your goals. Notes: In this episode, Luis talks about the following and more: What is a Money Date? Why are Money Dates Important? How Often Should You Have a Money Date? The 3 Steps to Have a Successful Money Date   Resources: D...

Finding and hiring a nanny can sometimes be a challenge. Handling the taxes does not need to be. Tune in to learn how to setup payroll, be compliant with tax laws, protect yourself, and have peace of mind.  Luis is the founder of Build a Better Financial Future LLC . He came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City Luis noticed the lack of financial literacy i...

As we prepare to file our tax returns during tax season, most of us are anticipating receiving a refund. Tune in to learn why a huge tax refund is not always the best strategy. Luis is the founder of Build a Better Financial Future LLC . He came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City Luis noticed the lack of financial literacy in his community and was inspir...

The New Year is upon us, and with a new year comes a new tax season. Tune in to listen to the things you should know to help you get prepared for tax season and get your refund on time.   Luis is the founder of Build a Better Financial Future LLC . He came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City Luis noticed the lack of financial literacy in his community and...

The New Year is a time when a lot of people set new goals for themselves. Tune in to listen to 6 science backed habits to help you achieve your goals.   Luis is the founder of Build a Better Financial Future LLC . He came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City Luis noticed the lack of financial literacy in his community and was inspired by his parents to wor...

The average savings account in the U.S. is currently paying 0.06% interest. Want to know of other places where you can learn a higher interest? Series I Bonds may be a great option.  Luis is the founder of Build a Better Financial Future LLC . He came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City Luis noticed the lack of financial literacy in his community and was...

Deborah Nason is a freelance business journalist who has covered the investment industry for InvestmentNews since 2005 and CNBC.com since 2013. She has been awarded the Investment Foundations™ certificate from the CFA Institute. Her writings can be seen at  www.c4sb.com  and  www.cnbc.com/deborah-nason . Early in her career, Ms. Nason was contributing editor and lead writer for the Blue Ridge Busi...

George Kinder revolutionized financial advice for over 30 years by training over 3,000 professionals in 30 countries in the field of financial Life Planning. He founded the Kinder Institute of Life Planning in 2003 after 30 years as a practicing financial planner and tax advisor. His books and trainings are all about Freedom. In his new book,  A Golden Civilization and The Map of Mindfulness  (cur...

What do you want your tomorrow to look like? There are things you can do today to help set you up for future success. You don't have to cut out everything that brings you joy today in order to save for tomorrow. Tune in to this episode to learn how you can have your latte and drink it too! Notes: In this episode, Luis talks about the following and more: The magic of compound interest The power of...

In this episode, Luis speaks with Ivan Aragon. A native of Chihuahua, Mexico, Ivan moved to Phoenix, Arizona as a child.  He played football at Phoenix Community College where he was selected as Male Student-Athlete of the year his second year. He later transferred to Arizona State University to continue his studies. Following his undergraduate studies he excelled in the mortgage, insurance, and f...