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Luis Rosa

Personal Finance, Retirement, Investing
“Helping you build a better financial future!”

Build a Better Financial Future LLC

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Luis Rosa has been in the financial services industry since he graduated college in 2001. In addition to obtaining his securities registrations Series 6, 7, 63, and 66, Luis is also a CERTIFIED FINANCIAL PLANNER™ professional and is enrolled to practice before the IRS. This diverse industry knowledge allows him to best serve his clients by understanding how one financial decision affects the other, allowing him to better guide them toward achieving their goals.

Luis was listed in Financial Advisor Magazine's 10 Young Advisors to Watch list for 2019 and InvestmentNews 40 Under 40 Class of 2019. Luis has been quoted in articles published in Investopedia, Forbes, CNBC, NBC News, Business Insider, The Daily News, and other online publications. He's also one of the few Spanish speaking CERTIFIED FINANCIAL PLANNER™ professionals in the country. Although he lives in the Las Vegas area, he works with clients all across the country using video conferencing and screen sharing. When not helping a client, volunteering, or hosting an event, you can find Luis eating at one of his favorite vegetarian/vegan restaurants in Los Angeles or Las Vegas.

Luis has a passion for creating client success stories and his goal is to create long term, meaningful client relationships. He has an ongoing desire for educational growth and is a member of the Financial Planning Association.


BA, Economics, SUNY Purchase College

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Investment Advisor Representative of Retirement Wealth Advisors Inc. (RWA), 89 Ionia NW, Suite 600, Grand Rapids, MI  49503 (800) 903-2562. Investment Advisory Services are offered through RWA. Build a Better Financial Future and RWA are not affiliated.

  • Advisor Insights - Luis Rosa
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August 2018
    Personal Finance, Financial Planning

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    Debt, Real Estate
Will a recent personal loan impact my credit score immediately?
100% of people found this answer helpful

Hi, glad to see that you're making an effort toward paying down your credit card balances. The recent inquiries plus getting a new loan to consolidate your debt could potentially negatively impact your score. However, I doubt it'll be enough to hurt you when it comes to renting your new place. Before you get the new loan, however, I recommend that you take a look at two debt repayment strategies. It could turn out that using the same money that you are sending to your debt now or the same money that you would have spent on the new loan, might be enough to help you get out of debt sooner. The two methods are the snow ball method (where you pay the smallest balance first) and the avalanche method (where you pay the highest interest rate first). Take a look at the following two calculators and enter your current balances, minimum payments, and interest rates. Avalanche: https://www.nerdwallet.com/blog/finance/what-is-a-debt-avalanche/ and Snowball: https://www.nerdwallet.com/blog/finance/what-is-a-debt-snowball/ Once you run these two calculators, compare that with the new debt consolidation loan that you were considering to see which one ends sooner and which one you pay less interest on.

July 2018
    Choosing an Advisor
How do I verify the authenticity of a CFP's credentials?
100% of people found this answer helpful
August 2018
    Banking, Investing, International / Global
How should I invest my money as an international student?
100% of people found this answer helpful
August 2018
    Debt, Women & Money
Should I take a large loan with a higher interest rate and pay off all of my debt, or take a smaller loan with a lower rate and pay off my debt partially?
100% of people found this answer helpful
August 2018
    Debt, 401(k), Taxes
If get a loan from my 401(k), do I have to include it on my tax return when filing my taxes?
100% of people found this answer helpful
October 2018