Our ultimate goal in mind...
Empowering Everyday Americans to Achieve Financial Freedom!
No investable assets required. No new loan needed. No income required. No sales. No pressure. Just guidance you can trust!
7 reasons to hire a financial planner
We Bring Experience and Solutions
Get the financial advice you need to make the most of your money. Here is how your financial plan will help you achieve your goals...
- Looking to buy your own home?
- Find out how much you can afford without biased answers
- Should you sell your home now and upgrade to a bigger home?
- Do you want to buy your home with zero down payment?
- Can you afford to retire now? Or should you wait?
- For how long: 1, 3, or 5 years?
- Can you afford health insurance during retirement?
- Will you run out of money?
- Should you collect your social security pension now or until you get the maximum?
- Do you know your Expected Family Contribution (EFC) to determine if you can afford to send your child to college?
- Strategies to lower your EFC to get more financial assistance
- Take out the maximum government student loans
- Select the most efficient private student loans
- Are you paying too much interest on your credit card balances?
- The best strategy to eliminate your debts
- You do not need to take out a new loan or have good credit
- You will learn how to erase your debt effectively
- Save a lot of money on income taxes
- Strategize your income and minimize your taxes
- Will you pay a lot on taxes at retirement?
- Create a tax-free retirement.
- Protect yourself, your loved ones, and your assets from risks affecting your legacy.
- Death risks
- Estate taxes
- Investment or market risks
- Daily activities/events, expected & unexpected
- Improve your quality of life daily
- Keep a doable budget
- Spend your money on what you value the most today
- Save money and increase your wealth every day, & much much more!
Here is our consultation process. We assess your situation by gathering the following:
Goals
- Save more, home sale/purchase, debt elimination, college planning, protection, retirement, tax savings
Lifestyle
- Age, sex, marital status, children, parents, siblings, health
Skills
- Formal, self-taught job/business experience
Time Horizon
- Years of experience, years to achieve goal, & lifespan
Factors on Inflation
- Food, shelter, transportation, communication
Interest Rate Sensitivity
- Mortgage, credit cards, student loans, Auto, personal loans
Tax Expenditures
- Income, sales, investments, gains, gift, death
Let's Work on Your Goals...
We will guide you in your quest to achieve your lifetime goals!
So, roll up your sleeves and start the process of attaining what you want.
We only live once.
Make the most of what you have today!
Financial Planning pays off
Feeling Overwhelmed About The Lack Of Money or Resources?
The lack of money in a family can lead to financial stress, limited access to education and healthcare, strained relationships, and challenges in meeting basic needs like housing and food. It can impact overall well-being and opportunities for personal and professional growth. By creating and following a personal financial plan, you will be able to overcome difficult obstacles.
For instance, the lack of money can be caused by various factors, including unemployment, underemployment, low wages, economic downturns, medical expenses, debt, lack of education or skills, and systemic issues such as income inequality. Additionally, unexpected events like emergencies or disasters can contribute to financial instability. By applying financial planning strategies, you can take control of your situation and can help plan and anticipate for those future financial expenses.
The factors leading to financial challenges can be complex and interconnected. For example, unemployment or underemployment may result from economic downturns, industry changes, or personal circumstances. Low wages can be influenced by market conditions, job demand, and negotiation power. Lack of education or skills may limit job opportunities, and systemic issues like income inequality can perpetuate financial disparities. Unexpected events, such as health crises, accidents, or natural disasters, can also contribute to financial instability. Individual circumstances are often influenced by a combination of personal choices and external factors.
Human behavior plays a significant role in several of the factors contributing to financial challenges. For instance, educational and career choices, spending habits, saving practices, and long-term planning are aspects of individual behavior that can impact one's financial situation. However, it's important to note that external factors, such as economic conditions, societal structures, and systemic issues, also exert substantial influence on an individual's financial circumstances. The interplay between personal choices and broader external forces contributes to the complexity of financial situations. Once again, by following your personal financial plan, you can highlight the issues that do not help you improve your financial situation.
Simple Financial Guidance for Everyday Families
Hi, I’m Art De La Rosa. For over 25 years, I’ve helped everyday Americans make smarter decisions with their money—without selling investments or complicated products.
I work with individuals and families who want practical help getting out of debt, preparing to buy a home, and building a secure retirement. My approach is straightforward, values-based, and focused on long-term peace of mind.
On this website, you’ll find free financial and spiritual planning tools, educational videos, articles, and resources designed to help you take control of your finances step by step.
Everything here is built to serve working families, retirees, and anyone who wants less stress and more clarity about their money.
I believe good financial planning should be honest, simple, and available to everyone. My goal is to help you build a solid financial future while staying grounded in strong values and faith.
No sales. No pressure. Just guidance you can trust.
Luke 6:20-21
"God blesses you who are poor, for the Kingdom of God is yours.
God blesses you who are hungry now, for you will be satisfied.
God blesses you who weep now, for in due time you will laugh."
5-Minute financial strategy
Achieve All Your Financial Goals
Tracking your spending, by nature, tends to be boring and difficult. However, approaching your finances in a manner that allows you to learn about your spending, as well as improving your planning skills, can help you save an extraordinary amount of money and grow your wealth.
Your personal financial plan will successfully help you maximize your money. Doing so, it is crucial to understand the "Daily Activities/Events" that trigger the spending. In other words, writing daily "FINANCIAL WORKOUTS" that include every single activity/event that makes you use money will be the key to saving BIG every single year and accumulating the wealth you desire.
Make sure you get the right financial advice to effectively achieve your financial goals. Financial planning pays off!
strengthening your life daily
No One Can Serve Two Masters...
Every morning, when you wake up, you can determine the course of your day and, therefore, the future of your life. Do you start your day thinking about how you will earn your next dollar? Or do you ask God for guidance for your day?
If you choose the first option, you could have $200, $500, or $1,000 more in your bank account by the end of the day. Choosing God's guidance, however, could prepare you to get $200, $500, or $1,000 for the rest of your life and even attain the Kingdom of God.
God's option, however, will require you to believe and trust in Him fully and have one hundred percent confidence that He will give you what you want. Most consider purchasing a home, sending kids to college, or planning a comfortable retirement. Some of us think about being able to make a lot of money or becoming millionaires.
Not many people can achieve all their personal and financial goals unless God is in their lives. Matthew 6:33 says, "Seek the Kingdom of God first, and everything else should be added to you." This verse illustrates how God will give you all that you want. To fully believe this promise of God, you must create and build a relationship with Him. This relationship will require you to interact with Him every moment of your day and life.
Through this journey with Jesus, you will turn all your unbelief into something concrete, and your faith in God will definitely be stronger. Your relationship with God will determine your Spiritual success; the stronger, the better! Planning and achieving a goal requires discipline and a commitment to seeing it become a reality. It will also require prayer and worship. You must learn to love God the most; there are no shortcuts!
Jeremiah 29:11 states, "For I know the plans I have for you, plans to prosper you and not to harm you, plans to give you hope and a future." Once again, to fully believe in what this scripture says, you must trust God one hundred percent. If you want to surrender your life to Jesus, you must become God's student. God's Holy Spirit will guide and remind you to do God's will.
Regardless of where you are at this point in your life—single, married, with kids, close to retirement, or retired—you should seek God every day to make sure you enjoy the life he promises we all could have, a life with abundance—money, your own home, a better job, success with your family and kids, good health, and everything else.
When you read God's Bible, you can see how God wants you to live and how happy he will be if you obey him. He also tells you how much he is willing to give you by believing in all his promises. Your daily mindset should be finding ways to increase your faith. Once again, the higher your faith, the more confident you will be.
Why do I emphasize faith? Well, let's take a look at the definition of faith. Hebrews 11:1 states, "Faith is confidence in what we hope for and assurance about what we do not see." In other words, even if you do not see God, you must believe He is in your life, guiding you and helping you live your daily life. Once again, you must acknowledge His presence in your life with faith.
When you make your daily decisions, God guides you, assuming you allow him to direct your life, whether for good or bad. Almost all of us behave in a way that is contrary to what God wants us to do. We hurt others. We lie. We do not love as much, and we do not obey Him. Because we have this tendency, God has to intervene to help and save us. You probably know people who suffer from mental, emotional, and physical pain, are poor and have very few resources.
Because we tend to want to be independent of God and make our decisions without allowing Him to guide us, God lets us make our choices until it's too late. For example, we tend to make mistakes when we make financial decisions, such as getting a job, going to college, getting married, buying a car, purchasing a home, or retiring, without relying on him. That is the reason why there are people who experience homelessness, divorce, illness, bankruptcy, and other problems.
Fortunately, when we go through tough times, God is there to help us even though we initially ignore him when making decisions—God uses those experiences to make us stronger and wiser.
The providence of God is the concept that explains how involved God is in our lives. In other words, when you meet people or when something happens that you wonder how it happened, God orchestrates the whole situation. He makes things or events occur, using the Holy Spirit to accomplish His will.
Through the Holy Spirit, God created our existence and the whole world. For believers, God's Spirit dwells in them to guide and help them obey Him. Even if you can't understand these concepts, God says in Proverbs 3:5, "Trust in the Lord with all your heart and lean not on your own understanding."
The Holy Spirit is often described as God's active presence in the world, working in the hearts and lives of believers. In the New Testament, particularly in the book of Acts, the Holy Spirit is depicted as descending upon the apostles at Pentecost, empowering them to spread the message of Jesus Christ.
I have been helping people with their finances for the last 23 years. My experiences with my clients have consistently shown me how we get resources from God. Your faith has to be strong to believe that God gives you what you want. Through your faith, you will be able to trust in Him and be 100% confident that He will continue to provide for you, now and during retirement.
As mentioned above, every day you have the opportunity to turn to Him to give you the Holy Spirit. You will learn every day, and you will be challenged to make changes in your life to prepare you for a life that consists of love and happiness.
Spiritual practices will provide individuals with a sense of solace, resilience, and purpose, which may indirectly contribute to their ability to cope with financial challenges. For many people, spirituality involves cultivating qualities like gratitude, compassion, and mindfulness, which can positively influence decision-making and resilience in the face of difficulties.
However, while spiritual practices can contribute to emotional and mental well-being, they might not directly solve financial issues right away. Practical steps like budgeting, education, and seeking financial advice are often necessary to address the concrete aspects of financial challenges.
In essence, a holistic approach that combines practical financial strategies with emotional and spiritual well-being can be beneficial for navigating and overcoming financial difficulties.
Fostering a sense of abundance and gratitude involves shifting your perspective and focusing on the positive aspects of your life. Here are some practical steps:
1. Practice Mindfulness: Be present in the moment and consciously appreciate what you have. Mindfulness helps you recognize and savor the good things in your life.
2. Gratitude Journal: Regularly write down things you are grateful for. This practice can shift your focus from what's lacking to the abundance that exists.
3. Positive Affirmations: Use positive affirmations to reinforce a mindset of abundance. Affirmations can reshape your thoughts and beliefs over time.
4. Help Others: Engaging in acts of kindness or helping others less fortunate can highlight the abundance in your life and create a positive feedback loop.
5. Limit Comparisons: Avoid constant comparisons with others, especially in terms of material possessions. Focus on your own journey and accomplishments.
6. Celebrate Small Wins: Acknowledge and celebrate even small achievements. This cultivates a sense of accomplishment and abundance.
7. Simplify: Decluttering your physical space and simplifying your life can help you appreciate the essentials and feel a sense of abundance.
8. Visualize Goals: Instead of focusing solely on what you lack, visualize your goals and aspirations. This can create a sense of purpose and abundance in potential achievements.
Remember, cultivating gratitude is an ongoing process. By consistently incorporating these practices into your daily life, you can gradually develop a mindset of abundance and appreciate the richness of your experiences.
Do More With Your Money
Become Money Independent
Find Ways to Boost Your Income
Create Endless Memories Daily
Use debt to your advantage. Eliminate unnecessary debt. Getting the right financial advice and using debt the right way, it can ultimately improve your quality of life and make you wealthier. Create and follow a personal financial plan to effectively manage your debt.
Create Endless Memories Daily
Find Ways to Boost Your Income
Create Endless Memories Daily
Every day you have an opportunity to improve your quality of life. Getting the right financial advice will help you plan and achieve the American dream. Your personal financial plan will help you make your daily decisions. Financial planning is the key to making the most of your money.
Find Ways to Boost Your Income
Find Ways to Boost Your Income
Find Ways to Boost Your Income
Improve your quality of life every day by being creative & resourceful. With the right financial advice, you can create different sources of income that will pay you for your entire life!
The 5-Minute Money Strategy
Achieve All Your Personal & Financial Goals