Michael G. Rivas, CFP®, EA Bienvenue Wealth

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 About Michael G. Rivas, CFP®, EA

Bienvenue Wealth is a fee­-only Registered Investment Advisor (RIA) located in the heart of New Orleans, LA. I founded the firm to provide trusted, conflict­-free financial guidance to my clients, serving as a consumer advocate to younger professionals—GenX investors in their 40s and 50s—who are committed to making better financial choices.

As a wealth advisor and Certified Financial Planner (CFP®), I specialize in one thing: helping Gen X investors leverage their assets today to support a secure lifestyle tomorrow. A dedicated member of NAPFA, all of my services are offered on a fee-­only basis. I receive no compensation from any third party—a fact that gives me the freedom to recommend solutions that are right for each client…not someone else’s commission check.

Unlike many advisors who’ve learned financial planning from books alone, I’ve been living and breathing the world of finance my entire career. During my years working on the exchange floors in Chicago, I watched the investment process in action, saw how portfolios really work, and learned how to hedge by the minute—and the second. And I get that there’s more to financial planning than investments alone.

My services are comprehensive. My approach is straightforward. My fees are transparent.

If you like what you see, let’s set up a time to chat and see how we can work together to help you gain clarity for life.

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Recently Published

How A Louisiana 529 Plan Can Help You Maximize Your College Savings

February 1, 2023

You’re not alone if the thought of a college education’s price tag makes you sweat. In 1980, the annual cost of a 4-year college (including tuition, room and board, and other fees) was  $10,231. In 2020, that price took a 180% jump to $28,775.  And that’s just for public institutions! If your child dreams of attending a private school, the average price is $48,965.  But have no fear, Louisiana residents! A Louisiana 529 Plan can help you maximize your college savings so you can use your hard-earned dollars in the best way possible.  Ready to see how a Louisiana 529 Plan can help you save for college? What Is A 529 Plan?  A 529 Plan is a savings plan with tax advantages designed to help pay for educational costs. There are two major types: Any funds saved through an Education Savings Plan grow tax-deferred. And as a bonus, as long…

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How To Create a Retirement Lifestyle Plan That You and Your Spouse Love

January 3, 2023

As retirement draws nearer, you and your spouse might start daydreaming about mornings without alarm clocks, vacations at the drop of a hat, or days spent lounging in the sunroom with a bottle of wine. Retirement sure has a lot to offer, but creating the retirement of your dreams does require some planning and preparing — both mentally and financially. That’s where a retirement lifestyle plan comes into play. Here’s what a lifestyle plan is, and how you can start building one that reflects your retirement goals and wishes. I Have a Financial Retirement Plan, Why Do I Need a Lifestyle Plan? When spending so much time and energy saving for retirement, sometimes people forget that, in reality, money isn’t the goal. Sure, you have an idea in your head of how much you need to retire comfortably. But have you put much thought into what “retiring comfortably” actually means…

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The Problem With “Free” In Finance and Why It Can Come At A Steep Cost

December 2, 2022

Almost nothing feels better than getting something for free, but in finance, the word “free” almost always requires air quotes.  What’s the catch behind these “free” offers, and how could taking them end up costing you more (money and pride)? Breaking Down The “Free” Myth We live in a capitalist society… nothing is free.  So, if something is marketed as “free” in the finance world, there’s likely a secret web of fine print you’ll find yourself stuck in sooner or later. But it’s a word that garners attention, inadvertently causing people to fall into its trap.   Take tax filing as an example. Turbo Tax highlights their “free” tax filing services and actually uses the word free over 40 times in their classic 30-second advertisements. Free is also tossed around in the written word, showing up about 19 times on their landing pages.  But if you’ve tried to file taxes this…

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Disclosure

The annual XYPN membership fee paid by this firm is in consideration of a variety of services and benefits provided by XYPN to its advisor members - including the ability to be listed in this Directory. For a complete description of current XYPN member benefits, please refer to the Membership Benefits section of this website. For current membership pricing, please refer to the Pricing section.

XYPN, due to the compensation it receives from advisors in the form of the annual membership fee, has an incentive to list only these such advisors in the Directory. This creates a material conflict of interest.

Ideal Clients

  • Business Executives
  • Entrepreneurs
  • Family Financial Planning
  • Gen X

Ways Advisor Charges

  • Assets Under Management

Fee Options

  • AUM: 1.25%

SEC Records

Disclosure

The annual XYPN membership fee paid by this firm is in consideration of a variety of services and benefits provided by XYPN to its advisor members - including the ability to be listed in this Directory. For a complete description of current XYPN member benefits, please refer to the Membership Benefits section of this website. For current membership pricing, please refer to the Pricing section.

XYPN, due to the compensation it receives from advisors in the form of the annual membership fee, has an incentive to list only these such advisors in the Directory. This creates a material conflict of interest.

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