Build a Better Financial Future

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 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG

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 of the inherited assets Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG

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 at an early age to give them a head start Why estate planning is not only for the rich Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! How to Build Generational Wealth via Hispanic Executive Luis' LinkedIn Luis' Twitter Luis' IG

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 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG

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: Panic selling Knowing your risk tolerance The importance of diversifying your investments Historical recessions and stock market crashes and how long they lasted Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! J.P. Morgan's Guide to Retirement 2022 Luis' LinkedIn Luis' Twitter Luis' IG

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 money's purchasing power What you need to become in order to outpace inflation over time Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Episode 088 with Rick Gillis: Achieving Proper Pay for Outstanding Performance Episode 096 Using Series I Bonds to Boost Your Savings & Investment Strategy Luis' LinkedIn Luis' Twitter Luis' IG

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 literacy at an early age The Four Money Bears Closing the generational wealth gap How parents can help kids understand the concept of money and actionable steps to help them on their own financial journeys Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! The Four Money Bears Website The Four Money Bears on Twitter The Four Money Bears on Facebook The Four Money Bears on LinkedIn The Four Money Bears on Instagram Motivate Your Money Book Website

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 fallacy affects us long-term How to avoid sunk cost fallacy in order to make better decisions going forward Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG

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 22, Brittney began her career as a financial advisor and at 28 launched her own Registered Investment Advisory, Financially Wise Inc. Over those 15 years, she worked with thousands of clients on their financial journeys. In 2020, she sold her private practice to focus all her time on speaking, content creation, and brand partnerships. ​ Brittney is the go-to resource for national media outlets like CNN, CNBC, The Wall Street Journal, The New York Times, CBS, KTLA, Good Day LA, Fox 11 News, Glamour, Elle, Marie Claire, Darling, Entrepreneur, Woman's World, Refinery29, Create + Cultivate, Financial Planning, Investment News, Registered Rep magazine, and many more. ​ Brittney was elected one of the 40 under 40 in 2020 by Investment News, as one of the 22 "Women To Watch" by InvestmentNews in 2018, and was ranked on INVESTOPEDIA's Top Influential Financial Advisors list from 2017-2021. ​ Additionally, Brittney serves as the in-house CFP® for Mint as well as the Head of Education for Altruist, both roles where she can continue her efforts of spreading financial literacy to the masses through media interviews, video content, and social media campaigns. ​ She is a CFP® Pro spokeswoman as part of the CFP Board Center for Financial Planning's campaign to educate minorities about financial planning careers. ​ In 2021, Brittney co-hosted and produced "Chantel's Money Moves" a show backed by Facebook to teach Gen Z's personal finance and investing. ​ Away from the office, you can find Brittney meditating, traveling, and of course, dancing! Notes: In this episode, Brittney & Luis talk about the following and more: Brittney's upbringing and career path Pushing beyond your comfort zone to pursue your dreams and find freedom The importance of showing up as your authentic self Tips on how to get started on your financially wise journey The value in having flexibility in your financial plan Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Brittney's Website Brittney's Business Bootcamp Brittney's Instagram Brittney's Tiktok

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, nonprofits, and small businesses. Suzanne's team specializes in guiding financial services firms, small businesses and health & human services agencies primarily looking to hire staff, increase revenue or develop multicultural training and outreach campaigns to underserved communities. She is passionate about bringing more diversity into each area of her business, helping women and people of color seeking opportunities to access "next level" jobs, find new business partners or identify successors to business owners. Suzanne focuses on being a trusted adviser for business consulting, succession planning, financial services recruiting and marketing strategies. She has also partnered with BLX Internship to provide program management for matchmaking over 50 financial planning firms managing 75 billion AUM with Black and Latinx college students and career changers throughout the US for paid summer internships. Notes: In this episode, Suzanne & Luis talk about the following and more: Suzanne's upbringing and career path Barriers to women entrepreneurship and how to overcome them Seizing opportunities when life hands you lemons Balancing career, personal life, and passions Resources: Download the 3 Fundamental "Money Moves" to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Advisor Business Solutions Website Advisor Business Solutions LinkedIn Suzanne Lawrence's LinkedIn BLX Internship Program