We’re big fans of efficiency and simplicity, which is why we encourage remote meetings using the latest communications technology. That means you don’t need to leave work early, hire a babysitter, fight traffic or search for parking simply to meet. Instead, we can talk on the phone or over video chat and when our meeting is over, you’re already home!
Hola, me llamo Luis! I came to the U.S. at age 11 from the Dominican Republic. I was inspired by my parents to work hard and pursue an education. However, I was not taught about personal finance at home or at school, and had to learn the hard way.
Some of the biggest money mistakes I made when I was younger:
I became a CERTIFIED FINANCIAL PLANNER™ professional in order to help other First Gen wealth creators like myself pursue their goals. I do my best to keep it simple, so no fancy jargon or investment terms. It’s all about your vision of success and how I can help you on your way to building a better financial future. In 2020 I launched Build a Better Financial Future, LLC to focus on helping my clients with financial planning, investment management, tax preparation and planning.
I’m also very active in the profession and do a lot of work to help young and diverse planners enter and succeed in the industry. I’m a co-founder of the BLX Internship Program, an internship program designed for aspiring Black and LatinX financial planners. Additionally, I am one of the few Spanish-speaking CFP® professionals in the country and aim to help those seeking true guidance. I currently serve as a CFP Board Ambassador and as a board member on the CHIP Professionals Advisory Board. I previously served on the Business Insider Tax Review Board, and as contributor for U.S. News.
I currently live in Los Angeles, California 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, sharing financial insights on the On My Way To Wealth Podcast, volunteering, or hosting an event, you can find me eating at one of my favorite Vegan restaurants or visiting a beach or walking trail in the Los Angeles area.
Honored to be named one of Investopedia's 100 Top Financial Advisors in 2020, 2021, & 2022!
Proud to be part of the InvestmentNews 40 Under 40 Class of 2019!
You're now making "good money", but you're not sure that you're making the right decisions in order to achieve your goals. As a First Gen wealth creator, you did not learn a whole lot about personal finances at home or at school, and perhaps are the first in your family to make as much money as you are making today.
Our goal is to connect with busy individuals who may not have all the time, knowledge, and energy to address their financial needs on their own. In order to help you achieve your goals, we’re looking to develop a mutual partnership for years to come.
From financial planning to investment management and tax planning, we’ll work with you to address the details of your finances and how they work in concert with your personal life.
Our Clients Tend to Consist of:
With $250,000+ in Income and/or $250,000+ in Investable Assets
As a busy individual, it’s difficult to keep your accounts and overall plan organized. We understand how dynamic your life is - from buying a home to switching jobs, there are a number of milestones that you need guidance in navigating. Together, we’ll work to address investment management, taxes and critical decision-making as you experience life’s most important moments. We often help our clients with the following and more:
Additionally, we work well with clients whose parents are more comfortable speaking Spanish. As one of the very few Spanish-speaking CFP® professionals, we work well with those seeking a personal relationship that they can receive sound advice from.
With $750,000+ in Investable Assets
As you prepare for or continue to enjoy retirement, it’s important to understand how to best invest your assets and minimize taxes. The ultimate goal is to make sure you don’t run out of money in retirement which is why we will also address your income options during this chapter. We’ll work to provide confidence and peace of mind that you’re making the right decisions related to your post-work life. We often help our clients with the following and more:
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Fees start at $5,000 per year (can be paid monthly or quarterly) and will vary based on the complexity of your situation. Fees can be paid as a direct planning fee, with assets under management, or a combination.
At Build a Better Financial Future, LLC, we’re hyper-focused on building relationships with our clients. To that end, we believe in taking a holistic look at your finances and the goals you have in mind.
Our preferred approach is to take into consideration your financial, investment and tax needs as they often rely on one another to succeed. This allows us to answer your questions no matter how or when they arise, as we will be well versed in your entire financial picture.
Financial Planning
By starting with financial planning, we’ll take a detailed look at your current finances and further build a foundation using your unique goals. With this focus, we hope to empower you to enjoy living in the moment while preparing for what’s ahead.
Investment Management
Our investment solutions are designed to facilitate wealth management. We believe in developing a truly tailored portfolio that helps you accomplish both your personal and financial goals.
Tax Planning & Preparation
When it comes to taxes, we strive to help you minimize hurdles that may stand in the way of you reaching your goals. Together, we’ll work to review your taxes and share our thoughts on how to more efficiently maintain your wealth.
Simplicity
You won’t find fancy financial jargon or complicated plans. Instead, you can expect financial planning in simple terms, so you are confident in the information shared and what it means for you.
Clarity
Clarity surrounding your money with clear, actionable steps and information.
Ongoing Planning
Life will happen and we will be there to provide ongoing support as milestones and changes occur.
No Pushy Sales
We don’t get paid based on products we sell you or trades we recommend. As a fee-only advisor, our compensation is based on the service and support using an easy-to-understand and transparent fee schedule.
Fees start at $5,000 per year (can be paid monthly or quarterly) and will vary based on the complexity of your situation. Fees can be paid as a direct planning fee, with assets under management, or a combination.
Fiduciary
We are legally bound to always uphold your interests and needs first and above our own. You don’t have to be concerned of ulterior motives and can feel safe that our recommendations are to your benefit.
No Investment Minimums
Unlike “traditional” financial planners, we don’t require a large sum of money to invest in order for us to work together.
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