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Build a Better Financial Future

With Financial Advice Tailored to Generation X ! 

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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 retirement planning, debt management help or planning to save for a home, college education, or a vacations (yes, you’re allowed to take a vacation and you should budget for these too!), 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.


Does this sound like you? 


  • I’m too busy focusing on my family and my career
  • I’m a diligent saver
  • I value financial advice and could use help navigating through life’s changes
  • I’m not attracted to get rich quick schemes or buying the latest “hot stock”

Lets Talk!

   

Virtual Financial Planning - Why I Ditched My Office!

I’m a big fan of efficiency and simplicity so I got rid of my office and I meet with my clients remotely using the latest communication technology. Now my clients don’t need to leave work early, get babysitters, fight traffic, or look for parking just to come see me. We can talk on the phone or video chat and when our meeting is over, you’re already home!



 

Discover a Smarter Way for Gen Xers to Plan For Tomorrow!

About




Luis F. Rosa, CFP® EA Photo

Luis F. Rosa, CFP® EA

Certified Financial Planner™

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 failed to pay myself first. I tried to save what was left after spending, instead of spending what was left after saving.
  • I over borrowed on my student loans in college for “living expenses” which really was translation for Spring Break in Cancun!
  • I got credit cards in my freshman year of college before I even got a job! (To be fair, they did include the credit card applications inside the books at the bookstore, I could not resist!)

I became a CERTIFIED FINANCIAL PLANNER™ professional in order to help others 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.

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's 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.


So what do I get as a financial planning client?


Complimentary Consultation

Our first interaction will be during a complimentary 30-minute conversation, where we explore your current situation and your vision for your future.

Discovery Call

A 60-90 minute Initial Discovery Meeting via video conferencing. The discovery call is all about you, and how we can start to build you a better financial future. During the call we will explore deeper into your goals. We will take a look at where you are today and what you want to accomplish in the future. This call will serve as the basis to create your financial plan. Once completed, I will take all of the information gathered from the discovery call and from the documents you provide, 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 pursue your financial goals. Your plan will include a detailed action list that I will help you implement into your day-to-day life. The recommendations include the following: 

  • An easy-to-read summary of your current net worth, goals, and action items.
  • An asset allocation recommendation for your current 401(k) or work retirement plan.
  • Life insurance review and recommendations.
  • Debt repayment analysis and strategy.
  • Recommendation on how to best setup your savings “buckets” to help meet your savings goals.
  • Recommendations on investment strategy based on your investment goals.
  • Recommendations on retirement planning
  • Recommendations on tax planning
  • Review of current estate plan (wills, beneficiaries, etc.)

Ongoing Check-Ins

Life will happen. That’s why we have quarterly or semi-annual check-in meetings during the year 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 also have access to phone and email support in between meetings.

I Partner with FormulaFolios to streamline investment advice. This is available as an “add on service”. 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.



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: $950 for individuals & $1,425 for couples                     


Sign Up Now!



Financial Planning and Investment Management Fees


Financial planning fees typically range from $2,400 to $3,600 or higher depending on complexity. 

For most single clients, fees are typically $2,400 while most couples' fees are typically $3,600 for a one year engagement.

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

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: $950 for individuals & $1,425 for couples




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Are You on Track to Meeting Your Goals?

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In the News

I have been quoted in articles published in CNBC, Forbes, 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 Gen Xers with Planning Tools and Action Steps to Help Position Themselves for a Better Financial Future!

FAQ


Who is your typical client?

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

Why are you a financial planner?

What does a financial plan look like?

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

What are your fees?

Financial Planning and Investment Management Fees

Financial planning fees typically range from $2,400 to $3,600 or higher depending on complexity. 

For most single clients, fees are typically $2,400 while most couples' fees are typically $3,600 for a one year engagement.

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

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: $950 for individuals & $1,425 for couples

What is the fiduciary standard?

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?

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Client Center



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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If you have a question or would like to send us a quick message, please use the form below. We look forward to helping you Build a Better Financial Future.


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If you're a member of the media and would like a quote for an article that you're working on, or if you're interested in booking me for a speaking engagement I'd love to speak with you!

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