Build a Better Financial Future LLC
Founder - Financial Planner
Build a Better Financial Future LLC
Founder - Financial Planner
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Luis Rosa, CFP®, EA
Fee-Only financial planner located in Pasadena, CA, serving clients locally and across the country
Luis Rosa is a Los Angeles and Las Vegas fee-only financial planner. Build a Better Financial Future LLC provides comprehensive and objective financial planning and investment management to help Gen Xers organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Luis Rosa is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Hola, me llamo Luis Rosa! 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 Pasadena, CA 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 or visiting a beach or walking trail in the Los Angeles area.
See "about Build a Better Financial Future LLC" for fee information.
Luis Rosa is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
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.
Average 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.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Debt Reduction Strategies
- Investment Management
- College Education Planning
- Tax Planning & Income Tax Preparation
- Se Habla Español
- Generation X
- Growing Families
- High Earners Not Rich Yet
- Young Professionals
- Retirees and Near Retirees
- Value Financial Advice
- Ongoing Financial Planning
- Virtual Meetings
- No Investment Minimums
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Luis Rosa is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
Luis Rosa is a Member of the XY Planning Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
Luis Rosa is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
Luis Rosa is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Luis Rosa is an Enrolled Agent (EA) with the IRS
An enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.
Luis Rosa one of NerdWallet's: "8 Latino Financial Pros to follow in 2022"
Luis Rosa Named to the Investopedia 100 Top Financial Advisors of 2022
Luis Rosa is a Contributor to US News and World Report
Luis Rosa Named to Financial Planning Magazine's "22 Who Will Transform Wealth Management in 2022"
Luis Rosa was interviewed on the Human Advisor Podcast: "Surviving to thriving: How Luis Rosa chased his American dream"
Luis Rosa Named to the Investopedia Top 100 Financial Advisors in 2021
Luis Rosa is a Guest on Barron's Live: "It's Time to Talk Taxes"
Luis Rosa is a Panelist on MarketWatch Mastering Your Money Event Series: "Everything you need to know about filing your 2020 taxes"
Luis Rosa Named One of "8 Hispanic Personal Finance Influencers to Follow for Money Advice" by The Penny Hoarder
Luis Rosa Named to The Investopedia 100 Top Financial Advisors of 2020
Luis Rosa is a Panelist on the InvestmentNews NextGen Summit
Luis Rosa Named to The Investment News 2019 40 Under 40 List
Luis Rosa is Featured in Financial Advisor Magazine: "10 Young Advisors to Watch: The Young & The Bold"
Build a Better Financial Future LLC Named in Top 8 Financial Advisors in Henderson, NV List by Expertise.com
Build a Better Financial Future is Featured as on of "10 POC-Owned Advisory Businesses With Insanely Great Marketing" on the Twenty Over Ten Blog
Luis Rosa is a Guest on the Minority Money Podcast: "The CARES Act 101 (Coronavirus Aid, Relief, and Economic Security)"
Luis Rosa is Quoted on Time.com / Money: "3 Key Budget Moves for Surviving a Job Loss, According to Financial Planners"
Luis Rosa is Quoted in Forbes: "Need Cash Now? 5 Options To Access Cash In A Coronavirus Economy"
Luis Rosa is a Guest on FPA Active's Podcast Now What?: "Find Your Place in the Profession"
Luis Rosa is Featured on WealthManagement.com as XYPN's 1,000th Member
Luis Rosa is the EVP of Operations for the Association of Latino Professionals For America Las Vegas Chapter
Luis Rosa Presented at the CFP Board Center for Financial Planning's 2019 Diversity Summit
Luis Rosa is Quoted in Advisor News: "Can Subscription-based Planning Break Down Barriers To Entry?"
Luis Rosa is Quoted on Fabric: "How Much More Will Life Insurance Cost Me if I Wait?"
Luis Rosa is Quoted on Business Insider: "A 2-step strategy financial planners use for themselves and their clients can make your money much less confusing"
Luis Rosa is Quoted on Insider: "We asked financial planners their favorite way to build wealth, and they all said the same thing"
Luis Rosa is Quoted on the National Association of Realtors: "Advice Young Adults Need to Avoid Buyer’s Remorse"
Contact Luis Rosa
2831 St Rose Pkwy
Henderson, NV 89052
1055 E Colorado Blvd 5th Floor
Pasadena, CA 91106