BRIANNE SOSCIA

CERTIFIED FINANCIAL PLANNER™

Brianne specializes in working with individuals, families, and business owners in the areas of retirement planning, investment management, and college savings.

Brianne is a CERTIFIED FINANCIAL PLANNER and financial advisor.  She currently holds her Series 6, 7, and 63 licenses through LPL Financial, and Series 66 license through WCG Wealth Advisers and LPL Financial, as well as her life and health insurance licenses.

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Brianne Socia - Financial Yogi - Las Vegas

WHAT TO EXPECT

The Financial Planning process is based on a mutual respect between the client and planner.  Each person’s needs and goals must be assessed, before an individualized financial plan is developed.

Individual Approach

Financial Planning should be client centered, and focused on each individual’s needs and goals.

Custom Plan

Clients will be able to gain a deeper understanding of their current financial status, set and analyze goals, develop a plan that is designed towards meeting these goals, and easily follow the plan so that goals can be pursued.

Respect

The financial planning process involves establishing a working, trusting, and respectful relationship between the client and planner.

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Almost a month into the tragic wildfires in Los Angeles, the devastation has already become the most destructive in the county's history and is on track to be one of the deadliest ever in California. Sadly, some families who have lost their homes won’t be reimbursed by their homeowners insurance policies. This is partly due to the increasing number of insurance companies pulling out of California because of rising wildfire-related losses.If this news hits close to home, now is the time to take action. Check your home insurance policy and talk to your agent or broker at least once a year. Here’s what to look for:✅ Do you have enough coverage? Rising costs of building materials and labor mean you may need higher coverage to rebuild your home.✅ Additional living expense coverage: Does your policy cover temporary housing, food, and other essentials if your home becomes unlivable?✅ Debris removal: Not all policies include coverage for clearing away debris after a fire.✅ Separate policies: Fire, flood, and hurricane coverage often require separate policies, so verify you’re covered for disasters specific to your area.If disaster strikes, remember to keep all receipts for shelter, food, clothing, and other essentials to submit for reimbursement. With extreme weather events becoming more frequent, it’s crucial to ensure your policy protects you fully.Don’t wait for an emergency to uncover gaps in your coverage—be proactive and protect your home and loved ones today. ... See MoreSee Less
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7 Accounts You Need Before 40Okay, let’s talk about the must-have accounts every grown-up should have by the time they hit 40. Because, let’s face it, life’s not getting any cheaper.1️⃣ Checking AccountObvious, but make it a good one. No fees, easy to manage, and maybe even a little cashback.2️⃣ Employer-Sponsored Retirement AccountIf your job offers a 401(k) and a match, don’t leave free money on the table! Seriously, it’s like getting a bonus you didn’t even have to work for.3️⃣ IRA (Individual Retirement Account)Whether you’re a Traditional or Roth kind of person, this is where you can get some tax benefits and control your investments.4️⃣ Brokerage AccountThis one’s for your non-retirement investing dreams—buying a house, taking that trip to Paris, or just growing your money like a boss.5️⃣ 529 Plan or Custodial AccountGot kids? Or thinking about kids? Or just feeling generous? These accounts can help with college costs or future financial goals.6️⃣ Health Savings Account (HSA)If you have a high-deductible health plan, HSAs are the triple threat: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. Yes, please.7️⃣ High-Yield Savings AccountEmergency fund, meet your new home. It earns interest, which means your money isn’t just sitting there doing nothing.Why These Accounts Are Everything:Each one plays a role in making your financial life less stressful and more secure. Think of it as building your money squad—stronger together!💡 Action Step: Do a quick check—how many of these accounts do you already have? And if you’re missing one, no biggie. It’s never too late to get started.You’ve got this. One account at a time! ... See MoreSee Less
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Inheriting an IRA can feel overwhelming, especially with all the rules and options. Let’s break it down so you feel more confident about the decisions ahead.An Inherited IRA, also called a Beneficiary IRA, is an account created when you inherit IRA assets after the original owner’s passing. The options available to you depend on:➡️ The type of account (Traditional, Roth, SEP, or SIMPLE IRA).➡️ Your relationship to the original owner.➡️ The owner’s age at the time of their death and whether they had started required minimum distributions (RMDs).Key Rules:✅ For most beneficiaries, you need to withdraw all funds within 10 years. You can take a lump sum or spread the withdrawals across the decade. Keep in mind, Traditional IRA withdrawals are taxed as ordinary income.✅ Spouses have more flexibility. You can treat the account as your own, allowing you to stretch distributions over your lifetime or roll it into your existing IRA.✅ Special Exceptions include minor children, disabled or chronically ill beneficiaries, and those within 10 years of the original owner’s age. These groups can take distributions based on life expectancy.Pro Tip:If you’re not sure whether to take a lump sum, set up an inherited IRA, or follow an RMD schedule, consulting a tax professional or financial advisor is a smart first step.💡 Takeaway: Inherited IRAs come with opportunities to preserve wealth, but the rules are nuanced. If you’re in this position, reach out for guidance to make the best financial decision for your future. ... See MoreSee Less
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THE PROCESS

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Consultation

First, we will identify your needs and expectations, discuss what the financial planning process will look like, and define mutual responsibilities.

Review

Once all of the necessary data has been gathered, we will analyze and evaluate the current financial situation, depending on personal needs and goals.

Implementation

Recommendations will be developed and presented to the client, so that they can easily be implemented.  Performance and progress of the plan will be monitored on an ongoing basis, and the client will be provided with continuous support.

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CONTACT ME

8925 West Post Road, 2nd Floor Las Vegas, NV 89148
Mon. - Fri. 8:30am - 3:30pm
By Appointment

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Have questions or wondering how we can work together? Send me a message and I will be in contact with you soon.