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Build a Better Financial Future

With Financial Advice Tailored to Young Professionals 

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Empowering You to Reach Your Financial Dreams

Build a Better Financial Future, LLC was created with the mindset that people are unique and require individual attention. I will work with you to understand your individual situation and develop a customized plan that suits your individual needs and goals.

Whether you need debt management help or planning to save for a home, college education, vacations (yes, you’re allowed to take a vacation and you should budget for these too!), retirement, or any other goal in your life, you should have a written plan with specific numbers and dates as to when you want to achieve these by.

That’s where I come in. I’m here to listen to your goals and aspirations and work with you to make a plan to help you get there. I also have to have the courage to tell you if you’re steering off course, but I’ll be gentle, I promise.

Whether it’s financial planning or investment management, I’ll be more than happy to work with you.


   

Virtual Financial Planning

I’ve embraced technology and moved beyond a traditional office space. I’ve chosen to build a practice focused more on convenience and efficiency. I will work with you no matter where you are located in the country by using the latest communication technology. We can talk on the phone, do a video chat session, email, or we can meet face to face if you’re in the Las Vegas area, where I currently live.

Discover a Smarter Way to Plan For Tomorrow

About

Luis F. Rosa, CFP® EA Photo

Luis F. Rosa, CFP® EA

Certified Financial Planner™

While growing up in the Dominican Republic, I observed how hard my parents worked to create a better life for our family. They placed strong importance on education, and after moving to the United States at the age of 11, they inspired me to improve myself and help others do the same.

Therefore, I have become one of the few Spanish speaking CERTIFIED FINANCIAL PLANNER™ professionals in the country and I am an Enrolled Agent, the highest credential the IRS awards. This diverse industry knowledge of understanding how one financial decision affects the other, allows me to better guide you toward achieving your goals. I have a passion for creating client success stories by building long term, meaningful client relationships. I focus on working with young, up-and-coming professionals who are looking to better position themselves for a successful financial future.

I currently live in Las Vegas, Nevada with my wife, Alison. I lived in New York for the majority of my adult life and currently travel back there during the year to visit family and existing clients. When not helping a client, volunteering, or hosting an event, you can find me eating at one of my favorite vegan restaurants in Los Angeles or Las Vegas.


Your Future Success Starts With a Financial Plan

I believe that in order to be successful in your financial endeavors, you must first decide on an appropriate budget for your financial goals and situation. I know the word “budget” can sound restrictive but it does not need to be. Think of it as “allocation” instead. Governments and businesses budget their money in order to properly function. They allocate certain amounts for payroll, expenditures, etc. I believe individuals and families should also do the same thing in order to be successful at reaching their goals.


There is Power in Writing Goals Down

You shouldn't just say you “want more money”. You should know how much money you want, by when, and have a detailed plan as to how you’re going to accumulate it and its purpose. I believe that flexibility is key to making a plan work, since things don’t always go as planned and sometimes there is more than one way to get to a goal.

I’m also flexible in my practice. You do not have to use all of my combined services. While I would love to handle all of your financial needs, it is entirely up to you which services you choose for me to provide. Whether it’s financial planning or investment management, I'd be more than happy to work with you.

Luis F. Rosa meeting with a client.


If it’s just in your head it’s a dream.
If it’s written and it is measurable, it’s a goal!

Process & Fees


Our advisor/client relationship begins with my listening to your goals and aspirations. I will help you pursue your goals by completing a comprehensive overview of your current financial situation and helping you implement actionable steps into your everyday life.


Complimentary Consultation

Our first interaction will be during a complimentary consultation. The goal of our free, 30-minute conversation will be to explore your current situation and see if we’re a good fit for one another. If after our consultation we both feel we should move forward with our relationship, I will send you an invoice along with an engagement agreement, a budget worksheet, and complimentary access to myMoneyGuide®.

Discovery Lab

The myMoneyGuide® discovery lab is all about you and how we can start to build you a better financial future. At your leisure, you will be asked to complete a 60 to 90 minute lab where you will enter all relevant information in order to give us a basis to create your financial plan. Once completed, I will take all of the information gathered from the discovery lab and begin to outline a personalized financial plan.

Recommendations Meeting

The next time we meet, I will present you with a comprehensive financial plan based on your financial history, where you stand today, and what your financial goals are for tomorrow. The recommendation is customized to help you achieve your financial goals. Your plan will include a detailed action list that I will help you implement into your day-to-day life.

Ongoing Check-Ins

Life will happen. That’s why we have quarterly or semi-annual check-in calls to ensure that your financial plan is still working for you and your goals. These virtual meetings can be as needed or if a major life event occurs. Additionally, you’ll always have access to unlimited email support. 


View a Sample Financial Plan


Not Ready For Financial Planning Yet?

Get the Build a Better Financial Future Booster Package!


Package Includes:


A 30 to 60 minute phone call or video chat session to discuss topics such as:


  • Creation of a budget including help with how to best prioritize savings vs. paying down debt.
  • Debt elimination strategy for student loans and/or credit cards.
  • Explanation & review of 401K investment options, employer matching, and vesting schedule.
  • Life insurance review.
  • Follow up email with a detailed action list so that you can start implementing my recommendations immediately!

Package cost: $300 for individuals & $500 for couples                     

or

Get the Debt Elimination Optimizer stand alone package for only $99! 


Sign Up Now!


Package includes:


Online Client Portal

Access to my online client portal where you can create a budget, a balance sheet,  and calculate your cash flow and net worth.

Debt Elimination Optimizer

A customized debt elimination analysis which includes a detailed comparison of different debt payoff strategies optimized to help you get out of debt sooner and save money on interest paid to creditors.

A 30 minute phone call or video chat to go over your debt elimination analysis and answer questions regarding your budget, building an emergency fund, and saving for a special goal.


View a Sample Debt Elimination Optimizer Report


Financial Planning and Investment Management Fees


Financial planning fees typically range from $1,000 to $3,000 depending on complexity. 

For most single clients, fees are typically $1,000 while most couples' fees are typically $1,500 for a one year engagement.

Fees are payable 50% upfront and the balance upon plan delivery. 

The investment management fee is separate at 1% of assets under management plus the FormulaFolios platform fee ranging from .30% to .75% depending on the model chosen and amount invested. 

Booster Package Cost: $300 for individuals & $500 for couples

The Debt Elimination Optimizer Package costs only $99!


Request More Information


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In the News

I have been quoted in articles published in NBC News, Yahoo! Finance, U.S. News & World Report, Investopedia, Business Insider, The Daily News and several other online publications. I invite you to read a few of the following articles to gain a greater insight into my perspectives on financial planning and investment management strategies.

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Empowering young professionals forgotten by the financial planning industry

FAQ

Do you only work with young professionals?

Who is your typical client?

My typical clients are upwardly mobile professionals and couples that are eager to build their empire and ready to set themselves up for a better financial future. However, they are not interested in get-rich-quick schemes or looking to buy the next hot stock or fad. Rather, they are willing to follow a strategic approach to reaching their goals and are open to working with a financial planner that will also serve as an accountability partner.

If I hire you to manage my money, where do you invest it?

I use Fidelity Investments as the custodian of your accounts. This means I never have possession of your money. I only have discretion to buy and sell within your accounts. I use FormulaFolio Investments to build your portfolios which are customized to you based on your risk tolerance, time horizon, and other pertinent factors.

Why are you a financial planner?

I believe personal finance should be taught in school at an early age. Often we learn about finances by making mistakes that could have been avoided with education rather than learning via trial and error. I’m passionate about empowering our generation to make the best decisions toward achieving their goals. I have found great satisfaction from seeing someone climb the ladder of success based on their definition of it, not what society tries to define for them.

What does a financial plan look like?

Most individuals are unfamiliar with how a financial plan is created or what one actually looks like. I value assisting you with developing a financial plan that is transparent, simple and easy to understand. Take a moment to review a sample financial plan that I have drawn to gain a better picture of how I can help you and your financial future.

View a Sample Financial Plan

Do I have to use all of your services to work with you?

No. While I would love to handle all of your financial needs, it is entirely up to you which services you choose for me to provide.

What are your fees?

Financial Planning and Investment Management Fees
Financial planning fees typically range from $1,000 to $3,000 depending on complexity. For most single clients, fees are typically $1,000 while couples' fees are typically $1,500 for a one year engagement.  Fees are payable 50% upfront and the balance upon plan delivery.

The investment management fee is separate at 1% of assets under management plus the FormulaFolios platform fee ranging from .30% to .75% depending on the model chosen and amount invested. 

Booster Package Cost: $300 for individuals & $500 for couples

The Debt Elimination Optimizer Package costs only $99!

What is the fiduciary standard?

According to the CFP Board of Standards, the fiduciary standard of care requires that a financial adviser act solely in the client’s best interest when offering personalized financial advice.

Under federal law, in particular the Investment Advisers Act of 1940, investment advisers are regulated by the Securities and Exchange Commission (SEC) or appropriate state authorities and are required to provide services to their customers under the fiduciary standard. CERTIFIED FINANCIAL PLANNER™ professionals providing financial planning services also must abide by the fiduciary standard, as defined by CFP Board.

Broker-dealers are also regulated under federal law, including under the Securities Exchange Act of 1934, but are not required to provide services to their clients under the fiduciary standard of care. Instead, broker-dealers provide services under the “suitability standard of care,” which generally requires only the broker-dealer’s reasonable belief that any recommendation is suitable for the client. It is important to recognize that a financial recommendation that is “suitable” for a client (as legally required for broker-dealers) may or may not be a financial recommendation that is in the client’s best interest (as legally required for investment advisers).

What is an IRS Enrolled Agent?

As per the Internal Revenue Service (IRS), enrolled agent status is the highest credential the IRS awards. Individuals who obtain this status must adhere to ethical standards and complete 72 hours of continuing education courses every three years. Enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individuals and business tax returns, or through experience as a former IRS employee.

What does your financial services experience include?

I have been working in the financial services industry since I graduated from college in 2001. I’ve worked for broker-dealers as well as Registered Investment Advisory firms. I have obtained Series 66 & 7 securities licenses as well as the CERTIFIED FINANCIAL PLANNER™ certification and the IRS Enrolled Agent credential. I’ve always worked in a client facing role, serving as the first point of contact. Whether it’s investment management, financial planning, or taxes, I always provide a personal touch to help my clients reach their goals and answer any questions they have.

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New Clients

Please complete our new client intake form prior to our meeting so that we can gain a clearer understanding of your financial dreams and situation.

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