We had the good fortune of connecting with Lindsay Martinez and we’ve shared our conversation below.

Hi Lindsay, how do you think about risk?

No risk, no reward! It’s cliche, but true. Risk is scary, but a calculated risk is much different than “ready, fire, aim.” Starting a business is certainly a risk, but if you research, plan, and understand what is involved, you will be much more prepared for what may occur. But, be careful of falling into analysis paralysis. You will not account for everything, so be ready to make mistakes. Learn from them and move on. I believe the greatest lessons are learned when we fall down every once in a while.

The first risk I took was when I was 18 and left home to move to another state to go to college. I held various jobs to pay my way through school and became independent at a very young age. From that point on, I have not been afraid to move around the country, make new friends and connections, start a business, or try something new and exciting (or scary). The key is to put any doubt aside, and just go for it! The worst that could happen is you don’t like it and then you can go back to what you were doing before or look for something else to try.


Alright, so for those in our community who might not be familiar with your business, can you tell us more?

I built my financial planning firm, Xennial Planning LLC, in order to provide a trusted financial resource specifically tailored to young, career-focused women. The decisions, issues, and challenges that Millennial and Gen X women face are unique. As young women, we can go through many changes (marriage, kids, jobs, divorce, etc.) that require a lot more planning than just ensuring someone is receiving their monthly retirement check.

While high net worth, pre-, and post-retirees get all of the attention, I wanted to help those whom I thought needed it most. And I wanted to do it in an affordable way and also make financial terms easy to understand. I never charge commissions or sell anything. My practice is fee only, I am a CERTIFIED FINANCIAL PLANNER™ professional and fiduciary, so I work in the best interests of all of my clients. I believe that a good financial plan shouldn’t be complicated or focus solely on investing, but should address your values, goals, and dreams. I involve my clients in every aspect of planning and work with them ongoing to ensure any changes are addressed.

I work virtually from my home and work with or have worked with clients from all over the United States, Puerto Rico, and even Korea. I think that has helped me grow much faster rather than focusing all of my marketing efforts in my home state of California. It also made it easier to navigate the pandemic and move to Puerto Rico temporarily when my husband received military orders. I didn’t need to make any adjustments to how I work because all of my meetings are over video conference.

If you had a friend visiting you, what are some of the local spots you’d want to take them around to?
I currently live in San Juan, Puerto Rico and there are a lot of great places to visit not only in the city, but also on all parts of the island. Old San Juan is a historic town with tons of restaurants, shops, and night life. The beautiful, colorful Spanish architecture is truly unique. Also in San Juan, La Placita is a fun block of restaurants, bars, and clubs where everyone can mingle into the wee hours of the night. Hundreds of beaches all around the island offer snorkeling, clear waters, and spots to have all day barbecues with family and friends. Some of my favorites are Luquillo, Puerto Nuevo, and Crash Boat. The town of Rincon is my favorite place on the island to stay, eat, and hang out on the beach. There are also great day adventures in Fajardo where you can ride a catamaran to an island to hang out and snorkel. The best brewery is Ocean Lab, which is also on a beach – bonus! You can take rum and coffee tours on different parts of the island. Bacardi is probably the most famous rum tour. Lote 23 is a food truck hang out with several varieties of food, including mofongo, which is the premiere Puerto Rican dish. It is mashed up plantains with garlic and spices topped with seafood or your choice of meat and sauce. Finally, you can’t leave without visiting El Yunque, which is a rainforest. I highly recommend a hike to one of it’s many waterfalls!

The Shoutout series is all about recognizing that our success and where we are in life is at least somewhat thanks to the efforts, support, mentorship, love and encouragement of others. So is there someone that you want to dedicate your shoutout to?
My husband has been the biggest cheerleader in my decision to start a financial planning business. He is an entrepreneur himself and a sounding board for when I need guidance. I also have amazing support from XY Planning Network, which helped me launch my business. They are a turnkey solution for anyone wanting to go out on their own in this industry. This has also lead to meeting other financial planners who are in a similar place as me and forming a support group where we meet regularly and bounce ideas off of each other.

Website: https://www.xennialplanning.com

Instagram: https://www.instagram.com/xennial_lindsay

Linkedin: https://www.linkedin.com/company/xennialplanning

Nominate Someone: ShoutoutSocal is built on recommendations and shoutouts from the community; it’s how we uncover hidden gems, so if you or someone you know deserves recognition please let us know here.