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

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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What Is Long-Term Care Insurance, And Is It Right for You?

November 1, 2022

Many people don’t think about how their medical needs change as they age. When you’re healthy, it’s challenging to picture a time you’d need help performing basic tasks like getting dressed in the morning, walking the dog, doing the laundry, and other “long-term care” needs. But those situations are far more common than you might initially realize. Caregiving for daily tasks is not only prevalent but also costly. And since Medicare doesn’t cover long-term care, without protection, you could be stuck paying for all the bills yourself.  One option to pay for these extended needs is through long-term care insurance.  What is long-term care insurance?  How does it work?  And is it really worth the money?  Let’s find out! What Is Long-Term Care Insurance? As you might have guessed, long-term care insurance covers long-term care needs, services, and support—pretty on the nose! What does this type of care look like?…

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The post What Is Long-Term Care Insurance, And Is It Right for You? appeared first on Bienvenue Wealth.

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Live Long and Prosper? 5 Ways to Plan for Extended Longevity in Retirement

October 3, 2022

If you are a Star Trek fan, you may recognize this pivotal line from our Vulcan friend, Spock: live long and prosper.  But saying those words won’t automatically make them true. In today’s world of increased longevity, you want to plan mentally, physically, and financially for a longer life.  How do you set yourself up for prosperity in retirement? Today, we’ll discuss planning for a long retirement and some critical points to consider along the way. How to Plan for a Long Retirement While we don’t know how long you’ll live, the CDC estimates the average man’s life expectancy is 73.2 years, and a woman’s is 79.1 years. Even though life expectancy stats have dipped during the pandemic, more people are living longer than ever before. In fact, longevity is becoming a top goal for many retirees.  An Age Wave report from Edward Jones found that 70% of people want…

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The post Live Long and Prosper? 5 Ways to Plan for Extended Longevity in Retirement appeared first on Bienvenue Wealth.

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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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