Build a Better Financial Future

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 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:

• When tax season begins and ends
• IRS Notices that you'll need before you file your tax returns
• Child Tax Credit and Child and Dependent Care Credit
• Tips to prevent delays in processing your returns

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Luis' Interview on Scripps National News
• IRS Child Tax Credit Update Portal
• IRS Economic Impact Payments
• IRS Free File
• IRS Volunteer Income Tax Assistance
• Luis' LinkedIn
• Luis' Twitter
• Luis' IG

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 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 improve your current habits
• The power of visualization
• Habits that have a major positive ripple effect
• Using gamification of your habits to stay motivated

Resources:

• Visual Insights Newsletter: 6 Game-changing Habits for Keeping Your Resolutions
• LatinXcellence, more than a brand, it's a movement!
• Luis' LinkedIn
• Luis' Twitter

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 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:

• What is a Series I Bond?
• How I Bonds Work
• Things to consider before you buy an I Bond
• Year-end planning opportunity you can take advantage of

Resources:

• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• MarketWatch Article: 5 Spots Where Your Savings Can Earn Way More
• TreasuryDirect Website: Series I Savings Bonds
• Luis' LinkedIn
• Luis' Twitter

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 Business Journal in Roanoke, Virginia, as well as a contributor to both statewide and national publications. She has owned several small businesses and holds an M.A. in Management and Human Resource Development.

She serves on the board of the NY chapter of the American Society of Business Publication Editors, and is an adjunct professor with Post University in Waterbury, Conn., teaching classes in business communications and personal finance. Deborah is also the author of "The People's Guide to Finding the Right Financial Advisor: Demystifying the Financial Advice Industry for Everyday People".

Notes:

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

• The different types of ways financial advisors get paid
• Where to search when you need to find a financial advisor
• The certifications to know about before hiring financial advisors
• How to identify when you need a financial advisor by your side
• Red flags to look out for when hiring a financial advisor

Resources:

• Deborah's LinkedIn

• Buy the Book

• FINRA's 5 Steps for Selecting an Investment Pro

• Investor.gov Questions to Ask when Hiring an Investment Professional

• XY Planning Network

• National Association of Personal Financial Advisors

• LetsMakeaPlan.org

• PlannerSearch.org

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 (currently available on Amazon), Kinder draws on 50 years as a mindfulness practitioner, over 30 years as a mindfulness teacher, and his experience training financial advisors globally to challenge the basic concepts of economics, our understanding of democracy, of space-time, and our own hearts. His objective is to bring greater levels of Freedom everywhere.

Kinder has received many prestigious awards, from being the first winner of the Financial Planning Association's Heart of Financial Planning Award to "One of the 35 most influential people in financial services," and "One of the top Icons & Innovators in the financial planning industry". He's a dynamic presenter, speaker, and is an artist at heart, from poetry, photography, and even singing. Some of you may know him as the father of the life planning movement!

Notes:

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

• The importance of life planning on your way to achieving your dreams
• How everyone can experience life planning for themselves
• Achieving mindfulness in today's world
• Advice on how to obtain inner peace and freedom

Resources:

• https://www.kinderinstitute.com/
• https://www.georgekinder.com/
• Shine Through on Spotify
• https://www.facebook.com/GeorgeDKinder/
• https://twitter.com/GeorgeDKinder
• https://www.linkedin.com/in/george-d-kinder-0749196/
• https://www.instagram.com/george_kinder/
• https://www.youtube.com/c/gdkinder

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 doing small, consistent steps for a long period of time
• Designing your environment to set you up for success
• How discipline beats motivation

Resources:

• Schedule Your Complimentary Introductory Meeting with Luis!
• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Ed Mylett and James Clear Interview
• Luis' LinkedIn
• Luis' Twitter
• Luis' Instagram
• On My Way To Wealth YouTube Channel

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 food supply chain industries. A proud DACA recipient, he was admitted to the University of Michigan's MBA program in 2017. While at Michigan Ross, he was elected to be his Section's (cohort) President, and to the Michigan Ross MBA council (Student Government) as VP of Finance, among other club leadership roles.

He has an Associate's in Business from Phoenix Community College, a B.S. in Finance from Arizona State University, and an MBA from the Ross School of Business at the University of Michigan. He also serves on the Board of Directors of the University of Michigan's Latino Alumni Association and as President of the Ross School of Business Alumni's Phoenix Chapter.

Ivan is currently a Residential Mortgage Broker based out of Phoenix, AZ. He is licensed in multiple states. He loves helping people attain homeownership and invest in residential real estate. He hosts the Home Loan MBA Podcast where he discusses the home loan process and interviews real estate professionals. In his free time, you can find him cooking a meal for his extended family, playing indoor volleyball, or on the Salsa and Bachata dance floors in Phoenix.

Notes:

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

• Ivan's background and upbringing
• The power of resiliency
• The joys and challenges of entrepreneurship
• The benefits of having a positive mental attitude

Resources:

• Schedule Your Complimentary Introductory Meeting with Luis!
• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• Ivan's Facebook
• Ivan's LinkedIn
• Ivan's Instagram
• Latinx MBA Association's LinkedIn
• Latinx MBA Association's Website
• Latinx MBA Association's Instagram

The last quarter before the end of the year provides great opportunities to do tax planning for the current and upcoming tax year. It is best to be forward looking when it comes to tax planning. Tune in to learn some strategies that can help you maximize your tax savings opportunities before the end of the year.

Notes:

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

• Opportunities during your employer's open enrollment period
• Rebalancing your 401K and keeping track of your contributions
• Roth IRA conversions
• Things to be on the lookout for specifically for tax year 2021

Resources:

• Schedule Your Complimentary Introductory Meeting with Luis!
• 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' Instagram
• On My Way To Wealth YouTube Channel

Online shopping has become a popular way to make our everyday purchases. This has increased during the pandemic. Buy now, pay later options have also significantly increased as a result. Tune in to learn about point-of-sale loans, and the pros and cons so that you can make an informed decision.

Notes:

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

• Buy now pay later
• Pros and cons of point-of-sale loans
• Things to be on the lookout for before you apply for one of these loans
• Alternatives to point of sale loans

Resources:

• Schedule Your Complimentary Introductory Meeting with Luis!
• Download the 3 Fundamental "Money Moves" to Make Before Turning 45
• LatinXcellence, more than a brand, it's a movement!
• "Buy Now, pay later" Times Square Investment Journal by Jo Constantz
• Luis' LinkedIn
• Luis' Twitter
• Luis' Instagram
• On My Way To Wealth YouTube Channel

We are creatures of habit, and those very habits we have can make or break us. When it comes to personal finance matters, you may not even notice the bad money habits you've built. Tune in to learn more.

Notes:

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

• Failing to pay yourself first
• What it means to invest in yourself
• Contributing to your 401k
• Lifestyle creep
• Living beyond your means

Resources:

• Schedule Your Complimentary Introductory Meeting with Luis!
• 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' Instagram
• On My Way To Wealth YouTube Channel