Jose Hernandez

Jose Rafael Hernandez is known as "The Millennial Money Mentor" on social media. He and his family are immigrants to the United States from Venezuela. The unique challenges that he faced at a young age taught him the real value of money and its importance in life. Jose studied finance at Mercer University, where he also competed in Division 1 Baseball. After his athletic career, Jose began his professional career in the finance industry. He started his career as a wealth management advisor for one of the top Investment Advisory firms in the US, where he was responsible for just north of $20mm in AUM. Jose currently holds the Series 7 and 66 licenses. Jose decided to leave the firm so he could have the freedom to create his brand on social media, geared towards educating millennials in the areas of personal finance and investing. His mission is to leave a positive impact on others while building his own legacy and providing for his family.
29 Posts

Authors Articles

How to Prepare Your Portfolio For a Recession

Do you know when the next recession is coming? Or, perhaps more pressingly - do you know how to prepare your portfolio...

International Investing: What to Know

As an investor, it’s natural to have a home country bias – where you rarely or never look for investing opportunities across...

So, What are Mutual Funds?

For decades, mutual funds have been popular investment vehicles. Even with the advent of low-cost ETFs, mutual funds still play a substantial...

How Taxes in Retirement Affect Your Accounts

Commanding a basic understanding of how taxes work is incredibly important for every adult. This is especially true as taxes relate to...

SEP IRA vs 401k: How SEP IRAs Compare

If you're self-employed or run a small business, you have a lot of decisions in your day-to-day operations. Those who run the...

What is a Roth IRA Conversion?

The world of retirement planning is full of strategies and loopholes, many of which investors can leverage. All it takes is a...

P/E Ratio Meaning and Explanation

For years, investment professionals and analysts have considered the Price to Earnings (P/E) ratio as one of the most important ratios in...

Mutual Fund vs ETF: What’s the Difference?

As an investor, you are tasked with understanding the different investment vehicles available in order for you to be able to make...

What is 401k Vesting, and How Does it Work?

As you may know, one of the primary advantages offered by employer-sponsored plans, such as 401ks, is the employer match. This is...

Essentials

Types of Taxes Everyone Should Be Aware Of

Like it or not, everyone has to pay the tax man. It's important to know what types...

Understanding Self Employment Taxes

NOBODY LIKES TAXES. There, we said it. Unfortunately, everyone has to pay taxes to the United States...

The Wash Sale Rule: Definition and Explanation

Navigating the tax consequences resulting from the sale of investments is crucial to your success as an...

How to Manage Money in a Crisis

When an economic crisis hits, many of us have the same response: Panic. Anxiety. Fear. Whatever the...

How to Prepare Your Portfolio For a Recession

Do you know when the next recession is coming? Or, perhaps more pressingly - do you know...