In this episode, Luis talks about the Loan Estimate mortgage document that you get when you apply for a loan, and how to understand it before you make a decision.

In this episode, Luis talks about your options if you have an old 401K from a previous employer.

In this episode, Luis talks about co-branded retail cards and whether it’s a good idea to get one.

In this episode, Luis is interviewed by Dasarte Yarnway and they talk about the importance of Holistic Financial Planning. Dasarte is host and creator of the Young Money Podcast and the founder of Berknell Financial Group.

When it comes to choosing between a traditional or Roth IRA, it really comes down to choosing between pre- and post-tax options. One way to convey this is to think of yourself as a farmer…would you rather pay taxes on your harvest or your seed? In this episode, Luis talks about the Roth IRA vs. the Traditional IRA as well as Roth 401K and Traditional 401Ks and how to decide which one is best for you.

In this episode, Luis talks about the consequences of taking a qualified coronavirus distribution from a retirement account and ways to navigate the taxes and other consequences.

I realize that this can be an uncomfortable topic for some people. Essentially you get life insurance for when the time comes that you pass away, and you want to make sure that your expenses are covered, and family is taken care. Who wants to talk about that?! Unfortunately, everyone’s time will come one day, and it is vital that we are as prepared as possible. One thing we can do to help with these preparations is to ensure we have life insurance, and the type of policy that will suit our wants and needs.

Many people are unfamiliar with the 20 year mortgage. While coming up with the topic for this episode, I reviewed 3 major online mortgage portals and 2 major bank sites. Not one of them mentioned the 20 year mortgage option, and I’m not exactly sure why. So, let’s talk a little about each of the options.

The decision to buy or rent will be based on a variety of parameters including finances, lifestyle, school district, feelings of self-worth, etc. Some of the questions people have when considering their options are: Will I be guaranteed a tax credit for owning my home? Will I be throwing money away by renting? Be sure to consult with a Certified Financial Planner™ Professional as he or she can provide you with the expertise to make educated financial decisions for all aspects of your life.

In this episode, Luis talks about what you should do before considering investing, and the different types of investments.