Build a Better Financial Future

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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

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 in digital marketing and customer experience and is ranked as top in-demand speaker at leading industry conferences around the world. Miri brings 15+ years of expertise, valuable industry and consulting insights matched with a lighthearted and connected delivery approach. Her social advocacy and philanthropic work include volunteering to train social enterprise leaders in Africa, coaching students at Network for Teaching Entrepreneurship in the U.S., and mentoring men and women to build their personal brand with empathy, passion and purpose. Her biggest accomplishment to date is being a mother of 2 boys and an American Bulldog. She can also run in heels. Ice cream is her superfood.

Notes:

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

• Miri's upbring and career path
• Barriers to women leadership and how to overcome them
• Embracing failure and the lessons it brings
• Balancing career, personal life, and passions
• Miri's book: Brand Storytelling

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Miri's Book: Brand Storytelling
• Miri's Website
• Miri on IG
• Miri on Twitter
• Miri on LinkedIn

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 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• GoBanking Rates Women & Investing Survey
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG

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 traveling.

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

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 Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG

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:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Episode 010 – Marrying Your Finances
• Episode 080 – When a Spender and a Saver Get Together: How to Make It Work
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG

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 in his community and was inspired by his parents to work hard and pursue an education.

From participating as an FPA NexGen ambassador/host, and being a CFP Board Ambassador, Luis uses his platform to help spread financial literacy via media outreach as well as encourage younger and diverse planners to join and thrive in the profession.

He is the host of the "On My Way to Wealth" podcast, co-founder of the BlatinX (BLX) Internship Program and LatinXcellence – an initiative that seeks to bring awareness to and help close the wealth gap in the LatinX community. Luis was named one of InvestmentNews 40 Under 40 in 2019 and Financial Advisor Magazine's 10 Young Advisors to Watch, as well as Investopedia Top 100 Financial Advisors in 2020.

Notes:

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

• How to set yourself up as an employer and setup payroll
• The tax forms that need to be filed when you're a household employer
• The tax benefits of paying your nanny on the books
• Additional benefits that provide peace of mind and protection to you and your household employee

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• IRS Household Employer's Tax Guide
• IRS Employer Identification Number (EIN) Online
• IRS Schedule H – Household Employment Taxes
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG

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 inspired by his parents to work hard and pursue an education. From participating as an FPA NexGen ambassador/host, and being a CFP Board Ambassador, Luis uses his platform to help spread financial literacy via media outreach as well as encourage younger and diverse planners to join and thrive in the profession.

He is the host of the "On My Way to Wealth" podcast, co-founder of the BlatinX (BLX) Internship Program and LatinXcellence – an initiative that seeks to bring awareness to and help close the wealth gap in the LatinX community. Luis was named one of InvestmentNews 40 Under 40 in 2019 and Financial Advisor Magazine's 10 Young Advisors to Watch, as well as Investopedia Top 100 Financial Advisors in 2020.

Notes:

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

• How to avoid paying a penalty for under withholding
• Adjusting your withholdings to increase your take home pay
• The benefits of pre-tax savings
• Opportunities to take advantage of with the increased cash flow

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• IRS Tax Withholding Estimator
• Paycheck City Salary Calculator
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG