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🔄 Empresaria latina, aprovecha este momento para revisar y fortalecer tus finanzas. Este es un buen momento para detenerte, evaluar cómo va todo y hacer los ajustes necesarios para terminar el año con fuerza. No se trata sólo de tu negocio, también de tu legado como mujer visionaria Aquí tienes tres movimientos financieros clave para cerrar el año con estrategia y seguridad: 1️⃣ Revisa tu flujo de efectivo Pon atención a tus números. Haz un pronóstico para los próximos meses y arma un fondo de emergencia (tres a seis meses de gastos de tu negocio). Tener tranquilidad financiera te da poder. 2️⃣ Protege tu legado Como mujeres, solemos liderar con el corazón, pero un legado necesita estructura. Revisa la situación legal de tu empresa, actualiza tus documentos importantes y considera un seguro de personas clave si otros dependen de tu liderazgo. 3️⃣Planea con intención Abre un plan de retiro (Solo 401(k) o SEP IRA) para pagar menos impuestos y asegurar tu futuro. Las mujeres inteligentes construyen riqueza con intención, no con presión. 💡 Muchos negocios de mujeres latinas están prosperando hoy, pero no siempre están preparados para el futuro. Tú puedes romper ese ciclo. ✨ La esperanza también es una estrategia, especialmente cuando la respaldas con acción decidida y sabia. 🤝 Si quieres hacer crecer tu negocio con propósito y protección, contáctame. No tienes que hacerlo sola. Inglés podrías ser el único idioma disponible. Visita thrivent.com/social para ver divulgaciones importantes.

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🔄 Empresaria latina, aprovecha este momento para revisar y fortalecer tus finanzas. Este es un buen momento para detenerte, evaluar cómo va todo y hacer los ajustes necesarios para terminar el año con fuerza. No se trata sólo de tu negocio, también de tu legado como mujer visionaria Aquí tienes tres movimientos financieros clave para cerrar el año con estrategia y seguridad: 1️⃣ Revisa tu flujo de efectivo Pon atención a tus números. Haz un pronóstico para los próximos meses y arma un fondo de emergencia (tres a seis meses de gastos de tu negocio). Tener tranquilidad financiera te da poder. 2️⃣ Protege tu legado Como mujeres, solemos liderar con el corazón, pero un legado necesita estructura. Revisa la situación legal de tu empresa, actualiza tus documentos importantes y considera un seguro de personas clave si otros dependen de tu liderazgo. 3️⃣Planea con intención Abre un plan de retiro (Solo 401(k) o SEP IRA) para pagar menos impuestos y asegurar tu futuro. Las mujeres inteligentes construyen riqueza con intención, no con presión. 💡 Muchos negocios de mujeres latinas están prosperando hoy, pero no siempre están preparados para el futuro. Tú puedes romper ese ciclo. ✨ La esperanza también es una estrategia, especialmente cuando la respaldas con acción decidida y sabia. 🤝 Si quieres hacer crecer tu negocio con propósito y protección, contáctame. No tienes que hacerlo sola. Inglés podrías ser el único idioma disponible. Visita thrivent.com/social para ver divulgaciones importantes.

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Every experience. Every challenge. Every victory. It’s all been part of the preparation. 🙌 What an incredible honor to speak at the Thrivent National Women’s Event, surrounded by women of wisdom, purpose, and bold faith. In my session, I shared this truth: 👉 Your niche isn’t something you chase — it’s something you grow into. Your story, your skills, your healing, and your setbacks — they’ve all equipped you to serve the people who are already waiting for someone like you. Your journey was never just about you — it’s preparation for impact. I walked away deeply inspired by: 🚀 Joan Higginbotham, who reminded us that breaking barriers makes space for others. 🧠 Kiley Peters, who spoke powerfully on fearless leadership and owning your voice. 🌟 And our amazing CEO, Terry Rasmussen, who encouraged us to stay curious, take risks, and trust God’s plan. A heartfelt thank you to the incredible team who made this event possible — especially Emily Bouche, Laura Cheeley, and the entire planning committee. Your work created space for transformation. To every woman walking in her calling or still discovering it — don’t underestimate what your life has prepared you for. You are called. You are ready. And you are needed. #ThriventWomen #FaithAndFinance #FearlessLeadership #WomenInBusiness #PurposeDriven #GodHasAPlan #LegacyInTheMaking #WomenInFinance #KingdomCalling Disclosures: thrivent.com/social

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Every experience. Every challenge. Every victory. It’s all been part of the preparation. 🙌 What an incredible honor to speak at the Thrivent National Women’s Event, surrounded by women of wisdom, purpose, and bold faith. In my session, I shared this truth: 👉 Your niche isn’t something you chase — it’s something you grow into. Your story, your skills, your healing, and your setbacks — they’ve all equipped you to serve the people who are already waiting for someone like you. Your journey was never just about you — it’s preparation for impact. I walked away deeply inspired by: 🚀 Joan Higginbotham, who reminded us that breaking barriers makes space for others. 🧠 Kiley Peters, who spoke powerfully on fearless leadership and owning your voice. 🌟 And our amazing CEO, Terry Rasmussen, who encouraged us to stay curious, take risks, and trust God’s plan. A heartfelt thank you to the incredible team who made this event possible — especially Emily Bouche, Laura Cheeley, and the entire planning committee. Your work created space for transformation. To every woman walking in her calling or still discovering it — don’t underestimate what your life has prepared you for. You are called. You are ready. And you are needed. #ThriventWomen #FaithAndFinance #FearlessLeadership #WomenInBusiness #PurposeDriven #GodHasAPlan #LegacyInTheMaking #WomenInFinance #KingdomCalling Disclosures: thrivent.com/social

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One year ago, I had the privilege of being part of the inaugural Behavioral Financial Advice (BFA) cohort — an experience that transformed the way I serve my clients. A couple of weeks ago, I was honored to be invited back to share best practices with my fellow advisors and to reflect on how behavioral insights and holistic financial planning can truly change lives. At the core of Behavioral Financial Advice is the understanding that money is never just about numbers. It's about emotions, values, choices, and life purpose. ✨ I want to extend a special thanks to @Mike Stehlik, @Katey Johnson, MBA, and @DawnMarie Montgomery for trusting me and creating a space where authentic conversations and transformation can happen. 👏 Congratulations to my incredible co-leads, @Rick Hart and @Amy Clark. Your presentations were insightful, inspiring, and action-oriented! Let’s continue this journey of helping clients not only manage their money but also live out their values with clarity, confidence, and freedom. #BehavioralFinance #FinancialPlanningWithPurpose #HolisticAdvice #BFA #ClientCentered #EmotionalIntelligence #AdvisorGrowth #Gratitude #FaithAndFinance Disclosures: thrivent.com/social

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One year ago, I had the privilege of being part of the inaugural Behavioral Financial Advice (BFA) cohort — an experience that transformed the way I serve my clients. A couple of weeks ago, I was honored to be invited back to share best practices with my fellow advisors and to reflect on how behavioral insights and holistic financial planning can truly change lives. At the core of Behavioral Financial Advice is the understanding that money is never just about numbers. It's about emotions, values, choices, and life purpose. ✨ I want to extend a special thanks to @Mike Stehlik, @Katey Johnson, MBA, and @DawnMarie Montgomery for trusting me and creating a space where authentic conversations and transformation can happen. 👏 Congratulations to my incredible co-leads, @Rick Hart and @Amy Clark. Your presentations were insightful, inspiring, and action-oriented! Let’s continue this journey of helping clients not only manage their money but also live out their values with clarity, confidence, and freedom. #BehavioralFinance #FinancialPlanningWithPurpose #HolisticAdvice #BFA #ClientCentered #EmotionalIntelligence #AdvisorGrowth #Gratitude #FaithAndFinance Disclosures: thrivent.com/social

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🚨 Are you over 50 and behind on retirement savings? You’re not alone… but you’re also not out of time. This month, I’m helping several amazing women and couples take control of their future using these three power moves: ✅ Catch-Up Contributions – If you’re over 50, you can save more than younger investors. Are you taking advantage of it? ✅ Tax-Efficient Buckets – Most people don’t realize that where you save money (Roth IRA, 401(k), brokerage) matters just as much as how much you save. ✅ Faith-Fueled Legacy Planning – What you leave behind should reflect what you believed while you lived. That’s real wealth. 💡 Here’s the truth: You can’t change the past. But you can absolutely design the next chapter — with wisdom, strategy, and stewardship. 📩 DM me “Retire Right” and I’ll send you my 3-step checklist to make sure your plan is still aligned with your values, goals, and God-given vision. #RetireWithPurpose #FaithAndFinance #LatinaAdvisor #ChristianFinancialPlanner #Over50Money #LegacyMatters #HoustonFinance #FinancialFreedomStartsNow Disclosures: thrivent.com/social

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🚨 Are you over 50 and behind on retirement savings? You’re not alone… but you’re also not out of time. This month, I’m helping several amazing women and couples take control of their future using these three power moves: ✅ Catch-Up Contributions – If you’re over 50, you can save more than younger investors. Are you taking advantage of it? ✅ Tax-Efficient Buckets – Most people don’t realize that where you save money (Roth IRA, 401(k), brokerage) matters just as much as how much you save. ✅ Faith-Fueled Legacy Planning – What you leave behind should reflect what you believed while you lived. That’s real wealth. 💡 Here’s the truth: You can’t change the past. But you can absolutely design the next chapter — with wisdom, strategy, and stewardship. 📩 DM me “Retire Right” and I’ll send you my 3-step checklist to make sure your plan is still aligned with your values, goals, and God-given vision. #RetireWithPurpose #FaithAndFinance #LatinaAdvisor #ChristianFinancialPlanner #Over50Money #LegacyMatters #HoustonFinance #FinancialFreedomStartsNow Disclosures: thrivent.com/social

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Elevating Hispanic Business Owners with Strategic Financial Planning 🇲🇽📈 I recently led a powerful training session for Hispanic entrepreneurs—and walked away inspired by their drive, resilience, and hunger for financial knowledge. As business owners, it’s not just about making money—it’s about making your money work for you and your future. Here are 3 financial tips I shared during the workshop: 🔹 Invest Beyond the Business – Diversify your wealth through investment portfolios tailored to your risk tolerance, timeline, and goals. Your business is one asset—don’t let it be your only one. 🔹 Maximize Tax Efficiency – Use strategies like SEP IRAs, Solo 401(k)s, and asset location (tax-deferred vs. taxable accounts) to minimize taxes and retain more of what you earn. 🔹 Legacy Planning Matters – Establish or update your estate plan, fund a living trust, and consider business succession strategies that reflect your values and protect your loved ones. Our community deserves access to this level of financial insight. If you’re a Hispanic business owner ready to take your finances to the next level—or you lead a group that could benefit from this training—I’d love to connect! Let’s build lasting wealth, together. 💬 #LatinoEntrepreneurs #FinancialAdvisor #InvestmentPlanning #TaxEfficiency #LegacyBuilding #HispanicBusinessOwners #FaithAndFinance #WealthWithPurpose Disclosures: thrivent.com/social

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Elevating Hispanic Business Owners with Strategic Financial Planning 🇲🇽📈 I recently led a powerful training session for Hispanic entrepreneurs—and walked away inspired by their drive, resilience, and hunger for financial knowledge. As business owners, it’s not just about making money—it’s about making your money work for you and your future. Here are 3 financial tips I shared during the workshop: 🔹 Invest Beyond the Business – Diversify your wealth through investment portfolios tailored to your risk tolerance, timeline, and goals. Your business is one asset—don’t let it be your only one. 🔹 Maximize Tax Efficiency – Use strategies like SEP IRAs, Solo 401(k)s, and asset location (tax-deferred vs. taxable accounts) to minimize taxes and retain more of what you earn. 🔹 Legacy Planning Matters – Establish or update your estate plan, fund a living trust, and consider business succession strategies that reflect your values and protect your loved ones. Our community deserves access to this level of financial insight. If you’re a Hispanic business owner ready to take your finances to the next level—or you lead a group that could benefit from this training—I’d love to connect! Let’s build lasting wealth, together. 💬 #LatinoEntrepreneurs #FinancialAdvisor #InvestmentPlanning #TaxEfficiency #LegacyBuilding #HispanicBusinessOwners #FaithAndFinance #WealthWithPurpose Disclosures: thrivent.com/social

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Financial conversations with your partner can feel intimidating—especially when money histories, values, or goals differ. But taking small, thoughtful steps can make all the difference. As a financial advisor who works with women and couples navigating this very journey, I love how this article from Thrivent outlines actionable advice—one step at a time. Some gentle reminders that stood out: ✨ Talk openly about your financial past—without shame. ✨ Align on shared values—especially if you believe your resources are a gift from God. ✨ Avoid “financial infidelity” by being transparent about spending and saving. ✨ Create a shared vision for your future through a bucket list or long-term goals. ✨ Work with a trusted advisor to help bridge communication gaps. 🕊️ In my work, I often see how clarity and connection around money can transform relationships—not just portfolios. If you’re ready to have these kinds of meaningful conversations in your own life, I’d love to be a supportive resource. 📩 Let’s connect or chat about what “financial confidence” could look like in your home https://connect.thrivent.com/sofia-hernandez #FaithAndFinance #Financialconfidence #Thrivent #ChristianFinancialAdvisor #WomenAndMoney #CouplesAndMoney #MoneyConversations #FinancialWellness #BehavioralFinance Disclosures: thrivent.com/social

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Financial conversations with your partner can feel intimidating—especially when money histories, values, or goals differ. But taking small, thoughtful steps can make all the difference. As a financial advisor who works with women and couples navigating this very journey, I love how this article from Thrivent outlines actionable advice—one step at a time. Some gentle reminders that stood out: ✨ Talk openly about your financial past—without shame. ✨ Align on shared values—especially if you believe your resources are a gift from God. ✨ Avoid “financial infidelity” by being transparent about spending and saving. ✨ Create a shared vision for your future through a bucket list or long-term goals. ✨ Work with a trusted advisor to help bridge communication gaps. 🕊️ In my work, I often see how clarity and connection around money can transform relationships—not just portfolios. If you’re ready to have these kinds of meaningful conversations in your own life, I’d love to be a supportive resource. 📩 Let’s connect or chat about what “financial confidence” could look like in your home https://connect.thrivent.com/sofia-hernandez #FaithAndFinance #Financialconfidence #Thrivent #ChristianFinancialAdvisor #WomenAndMoney #CouplesAndMoney #MoneyConversations #FinancialWellness #BehavioralFinance Disclosures: thrivent.com/social

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🌸✨ Sisterhood. Strength. Strategy. ✨🌸 International Conference for Women | Greater Houston Women’s Chamber of Commerce I had the incredible honor of gathering with powerhouse women from across the globe—dreamers, doers, and legacy builders—at the International Women’s Conference. Every conversation was a reminder: We don’t have to do this journey alone. Whether you’re growing a business, raising a family, or building a financial future—your purpose deserves support. I left the room filled with clarity, inspiration, and deeper conviction in my calling: 👉🏽 To help women walk in financial confidence, with wisdom as our foundation and legacy as our goal. 🙌🏽 When women uplift each other, we don’t just rise—we soar. 💛 If you’re ready to grow your wealth, embrace your calling, and live with intentional peace—let’s connect https://connect.thrivent.com/sofia-hernandez #GHWCC #WomensConference #FaithAndFinance #WomenOfPurpose #LatinaFinancialAdvisor #WomenSupportingWomen #LegacyBuilders #KingdomCalling #EmpoweredLiving #GreaterHoustonWomen #RiseTogether #FinancialAdvisorForWomen Disclosures: thrivent.com/social

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🌸✨ Sisterhood. Strength. Strategy. ✨🌸 International Conference for Women | Greater Houston Women’s Chamber of Commerce I had the incredible honor of gathering with powerhouse women from across the globe—dreamers, doers, and legacy builders—at the International Women’s Conference. Every conversation was a reminder: We don’t have to do this journey alone. Whether you’re growing a business, raising a family, or building a financial future—your purpose deserves support. I left the room filled with clarity, inspiration, and deeper conviction in my calling: 👉🏽 To help women walk in financial confidence, with wisdom as our foundation and legacy as our goal. 🙌🏽 When women uplift each other, we don’t just rise—we soar. 💛 If you’re ready to grow your wealth, embrace your calling, and live with intentional peace—let’s connect https://connect.thrivent.com/sofia-hernandez #GHWCC #WomensConference #FaithAndFinance #WomenOfPurpose #LatinaFinancialAdvisor #WomenSupportingWomen #LegacyBuilders #KingdomCalling #EmpoweredLiving #GreaterHoustonWomen #RiseTogether #FinancialAdvisorForWomen Disclosures: thrivent.com/social

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Preparing for financial surprises doesn't have to be complicated. Proactive planning can help you stay ahead of market swings and other risks that can impact your financial plan. Learn more about strategies to set you up for long-term success: https://bit.ly/4m32xHO

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Preparing for financial surprises doesn't have to be complicated. Proactive planning can help you stay ahead of market swings and other risks that can impact your financial plan. Learn more about strategies to set you up for long-term success: https://bit.ly/4m32xHO

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Thank you to the men and women who gave their lives to protect our freedom. Let’s honor their sacrifice today and every day.

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Thank you to the men and women who gave their lives to protect our freedom. Let’s honor their sacrifice today and every day.

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5 financial risks (and how to adapt your financial plan)

Are you prepared for financial changes? With proactive planning and flexible strategies, you can manage risks and habits that could impact your financial plan. Learn more about protecting your finances from what-ifs. ⬇️

Life is unpredictable, but the right financial plan can help you navigate changes with confidence. Learn about five major financial risks and strategies that...

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