Build a Better Financial Future

Ramona immigrated from Romania, was raised in Chicago, IL and resides in sunny Phoenix, AZ. A Navy veteran, she served in the Navy during Operation Iraqi Freedom and Operation Enduring Freedom. She is passionate about her community and gives back by teaching Financial Literacy to women in transition, and volunteers with Hospice of the Valley.  Ramona lives by the motto: “It takes a village” and realizes the importance of professional and personal networking relationships. In her free time, she enjoys hiking with her Blue Heeler pup and traveling abroad.

Notes:

In this episode Luis and Ramona discuss:

-How Ramona decided to pursue a career in financial planning

-Teaching financial literacy

-Ramona’s philosophy of “it takes a village”

-Overcoming challenges when it comes to networking

 Resources:

Ramona's LinkedIn

Ramona's Twitter

Family Wealth Management Group

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

On My Way To Wealth YouTube channel

Arelis Correa serves as VP, Director, Global Acquisition for Brown-Forman Corporation. With a specialization and passion for recruiting talented people to join Brown-Forman, Arelis has served in talent acquisition roles with increasing responsibility during her 18 years at the company. This includes stints supporting Brown-Forman's former North America Region, as well as its International divisions. Arelis assumed leadership responsibility for Global Talent Acquisition in 2018 and was named to the HR & Communications Leadership Team in 2020.

A true advocate for diversity, equity, and inclusion, Arelis has served in several leadership roles for COPA, Brown-Forman's employee resource group for Hispanic/LatinX employees and their allies. In addition, she works diligently and relentlessly to ensure Brown-Forman's talent acquisition processes are aligned and supportive of the company's Many Spirits, One Brown-Forman diversity and inclusion strategy.

Arelis is known for her strong focus on continuous improvement, her dedication to ongoing learning, and her collaborative and innovative mindset. When she's not at work, Arelis is often spending time with family and friends, including her husband, and daughter.

Notes

In this episode Luis and Arelis discuss:

-How intentional and conscious decisions from Arelis' parents' helped mold Arelis in her career

-How one professor saw potential in Arelis and motivated her to seek a profession in HR

-Why mentorship is so important in our career paths

-Misconceptions about the Latino community

-The power of being a positive thinker!

-Being mindful of your money and living within your means

Resources

Arelis' LinkedIn

Hispanic Executive: Arelis Correa-Arnold Creates a Culture of Care

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

On My Way To Wealth YouTube channel

BLX Internship Program

Joyce Rojas has positively impacted thousands of people's lives by shifting their relationship with money. She's the national and international bestselling author of 31 Badass Money Mindset Affirmations, has been a top financial advisor at Fortune 500 companies, holds a Master's in Business Administration, and recently opened her own investment firm. But what she's most proud of, is the journey to these accomplishments.

As a daughter of immigrant parents, she never learned about investing and as a single mom, she struggled financially and wondered how she'd do this on her own. But it was in this process where she realized that wealth begins with mindset, and she successfully re-designed her life. She now combines her financial expertise with personal growth strategies to effectively teach others how to make, grow, and manage money without working so damn hard for it.

Notes

In this episode Luis and Joyce discuss:

-What is your Financial Thermostat?

-Rewiring your money mindset

-How surrounding yourself with great coaches will help you reach your financial goals

-You are defined by your value system – not by materialistic things.

-Sometimes the money doesn't match the picture!

Joyce's Book

Joyce's Website

Joyce's Youtube

Joyce's Facebook

Joyce's Instagram

Joyce's LinkedInDownload 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

On My Way To Wealth YouTube channel

Uziel is a first-generation college graduate. He was born and raised in San Fernando, California, where his parents migrated after leaving their native country, Mexico. Uziel's dad is a construction worker, and his mom is a homemaker. Growing up in a low-income household, Uziel explored careers where he could serve as a resource to empower his family and community.

Uziel graduated from California State University, Northridge, with a bachelor's degree in Financial Planning. He's currently completing a Financial Planning Residency at a fee-only RIA firm. Uziel is passionate about helping people navigate their financial journeys to help them reach their goals. Uziel also volunteers in the BLX internship program to promote diversity and inclusion. The BLX internship program helps place aspiring Black and Latinx financial planners with meaningful internships in fee-only RIA firms.

Notes:

In this episode Luis and Uziel discuss:

• How Uziel is working to have a direct impact on his community
• Pursuing your passion and creating your own opportunities
• Building wealth through educating the Latino community on the importance of finances
• Uziel's advice for those who want to become a Financial Planner

Resources:

Uziel's LinkedIn

Uziel's Twitter

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

On My Way To Wealth YouTube channel

In this special Hispanic Heritage Month Edition episode, Luis speaks with Joelle L. Martinez. Joelle is the president and CEO of the Latin Leadership Institute. Joelle is a nationally recognized executive, strategist, speaker and facilitator. A visionary leader, Joelle has dedicated her life to helping cross-sector leaders realize their individual potential as well as the economic and social opportunities present by an increasingly diverse U.S. populace.

Prior to the Latino Leadership Institute, Joelle spent more than 15 years building winning communications, business development, and public affairs strategies in both private and public sectors. Joelle is a subject matter expert in neuroleadership, Latino identity, civic engagement, workplace diversity and inclusion, and demographic shifts. In 2017, Joelle was named one of the most powerful women by the Colorado Women's Chamber of Commerce. In 2019, she was honored by the NFL Hispanic Heritage Foundation and Nationwide for her outstanding contributions to the Latino community. She currently serves on the Hispanic Advisory Council for Coca-Cola and has served on boards, advisory councils, and executive committees for Mile High United Way, Building Better Colorado, Museum of Nature and Science, Denver7 Colorado, Prosper Colorado. Joelle is a member of the NeuroLeadership Institute and is a certified practitioner of both Insights Discovery® and i4®.

Notes:

In this episode, Luis and Joelle talk about the following and more:

• Training Latinos for leadership
• Getting Latinos to own their superpower! Don't discount your power.
• Breaking through barriers in management and leadership positions
• Navigating imposter syndrome
• Understanding your worth and knowing your value

Resources:

• • • Latino Leadership Institute LinkedIn
    • Latin0 Leadership Institute Twitter
    • Latin0 Leadership Institute Website
    • Latino Leadership Institute Facebook
    • Latino Leadership Institute Instagram
    • 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
    • On My Way To Wealth YouTube channel

In this special Hispanic Heritage Month Edition episode, Luis speaks with Valerie Rivera. Valerie is the founder of FirstGen Wealth, a financial planning practice serving early to mid-career first-generation wealth builders across the country. She is passionate about normalizing quality financial advice and educating people on becoming financial powerhouses!

Valerie Rivera is a proud Latina and first-gen Mexican-American. She was born and raised in the Southside of Chicago. She continues to live there today, with her husband and their three-year-old daughter, Violet Esperanza. Valerie has spent over 10 years in financial services, working directly with individuals and families on all aspects where money touches life. She is part of just over 1% of Latinas who hold the Certified Financial Planner™ designation.

Notes:

In this episode, Luis and Valerie talk about the following and more:

• Perspective is everything!
• How Valerie discovered her love for wealth management and financial planning
• Promoting advocacy within the Latino community
• The lack of diversity in financial planning firms
• Building a practice that fits your life/work balance

Resources:

Valeries' LinkedIn

Valeries' Twitter

Valeries' Youtube

Valeries' Website

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 On My Way To Wealth YouTube channel

Bank of America recently announced a new no money down mortgage program for first-time home buyers, called the Community Affordable Loan Solution™. Tune in to learn about this new program, and to hear my thoughts on no money down mortgage loans.

Notes:

In this episode, Luis speaks about the following and more:

• Bank of America's Community Affordable Loan Solution™
• What private mortgage insurance is and how it can increase your mortgage payment
• What debt-to-income-ratio is and how it's used to determine if you qualify for the loan
• How you can qualify for a home you cannot afford

Sources:

https://newsroom.bankofamerica.com/content/newsroom/press-releases/2022/08/bank-of-america-introduces-community-affordable-loan-solution--t.html

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
• On My Way To Wealth YouTube channel

The Department of Education recently announced a new plan which will provide for additional deferment of payments on federal student loan debt, as well as loan forgiveness for millions of borrowers. Tune in to learn the qualification criteria and see if you're eligible.

Notes:

In this episode, Luis speaks about the following and more:

• Extension of the student loan repayment pause
• Income guidelines for student loan forgiveness eligibility
• Changes to the income-driven repayment plan
• How to access information on the new changes to the Public Service Loan Forgiveness Program

Sources:

• https://studentaid.gov/debt-relief-announcement/

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• U.S. Department of Education Subscriptions Page
• Public Service Loan Forgiveness Information
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG
• On My Way To Wealth YouTube channel

The Inflation Reduction Act was recently signed into law and allocated $79 billion dollars for the IRS. The IRS is said to hire 87,000 full-time employees, which has caused some concern from some regarding the likelihood of IRS audits increasing. Tune in to learn why the IRS needs this kind of funding, and the things the new budget will be allocated towards.

Notes:

In this episode, Luis speaks about the following and more:

• IRS budget and employees for the past 10 years
• IRS delays in processing tax returns
• IRS delays in answering calls
• Who is more likely to get audited in the future

Sources:

https://money.com/irs-funding-higher-taxes-more-audits/

https://www.irs.gov/newsroom/irs-statement-by-irs-commissioner-chuck-rettig-on-the-inflation-reduction-act

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Taxpayer Advocate Service – IRS' Most Serious Problems
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG
• On My Way To Wealth YouTube channel

According to the Consumer Financial Protection Bureau, Americans are struggling with over $88 Billion dollars in medical debt. Tune in to learn how new medical debt reporting changes will impact your credit scores.

Notes:

In this episode, Luis speaks about the following and more:

• New changes to medical debt collection reporting on credit reports
• Understanding your explanation of benefits
• Tips to navigate medical debt
• How to plan ahead in order to maximize your health insurance benefits and minimize medical debt

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• AnnualCreditReport.com
• Medical Debt Burden in the U.S. Report by CFPB
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG
• On My Way To Wealth YouTube channel