Financial literacy is necessary not just for adults but also for children. The need for such reflects how the future will be for generations to come. Today, Rodney Flowers interviews Dr. Shirley Luu, an award-winning financial advisor, hands-on trainer, author, a national speaker on financial literacy, and renowned wealth guru. Dr. Luu talks about retirement planning and some common issues that people usually have with money, and shares some secrets that people should know about it. Believing that the impact of wealth for generations to come greatly depends on education, she also discusses the LiSA Initiative and its advocacy towards financial education.
Listen to the podcast here:
Financial Literacy: Creating Wealth For Tomorrow With Dr. Shirley Luu
How many of you want to learn about money? How many of you want to make more money? Maybe save more money, maybe retire early. I have Dr. Shirley Luu with me and she is an award-winning financial advisor, hands-on trainer, author, a national speaker on financial literacy and renowned wealth guru. Her many years of experience in the financial services field sets her apart as one of the industry’s most notable connoisseurs. Serving as the Executive Field Chairman for First Financial Security, Dr. Luu has dedicated over many years to informing, educating and empowering individuals, small and large businesses on the most powerful mediums for lifetime income and retirement. Welcome to the show, Dr. Shirley Luu.
Rodney, I’m excited to be on your show. I’ve heard so much about you. I’ve heard what a phenomenal person you are. It’s an honor to be on your show.
The feeling is mutual. I’ve heard a lot about you and it’s an honor to have you on the show. I’ve been reading up on you and you are the 2019 Individual Corporate Leadership Award recipient. You’re the Fairfax County Bea Malone Small Business Award recipient. You’ve been on the cover of the Special Edition for the tenth anniversary of Women of Wealth Magazine. You’ve been the Woman of the Year for the COPA Magazine. You’ve been featured in Oprah Magazine. You are the First Financial Security prestigious MVP Award recipient in 2015, 2017 and 2018. You are the Forbes Magazine Top Financial Leader. You are the Gold Achievers Award Winner, American Equity’s Top 3% of 8,000 Agents in 2014, 2015 and 2016. This can go on and on. You’ve accomplished so much in your career. How did all of this begin? That’s where I want to start.
I’ll start off by saying this, I’ve always believed this famous quote by Althea Gibson. It says, “I always wanted to be somebody. If I made it, it’s half because I was game enough to take a lot of punishment along the way and a half because there were a lot of people who cared enough to help me.” Where I am is because of people like you. I’ll share my stories for the audience who don’t know how I got into the financial industry. Several years ago, my husband had died unexpectedly and left me with a 1-year-old, a 15 and a 16-year-old. I live in this grand house with a big open staircase and marble floor. It is the American dream and all that and suddenly overnight, I lost it all. He passed away and we had to move out of the house immediately that night. We moved out of the house. Suddenly, I find myself carrying a 1-year-old baby, a 15 and 16 trying to find a place to live. It was horrible. How could it be that you’re on top of the world and suddenly the next minute you lost everything?
We had a business in Great Falls. We dumped all the money in there, so there was no money left. There were a lot of bills left behind. I couldn’t run the business and his life insurance policy lapsed months before he died. With that being said, it was tough. It was one of those things in life that I never wanted to ever happen to anyone. I got into financing for very different reasons. I want to educate women about money, a platform, understand where everything is and these countless stories that I see this thing happen over and over again. I found out that men do these things, men don’t take time out. I taught a lot of men that say their wives don’t know. There are times where women do take men to the cleaner as well. They’re not prepared. I felt very strongly that communication has to be both sides. If you’re going to make a life together, that conversation has to impact.
First of all, my condolences to you, for dealing with something such a tragic event in your life and then the way you’ve been able to bounce back. I know you talk about a lot of financial plans and financial security, but there were some things that you had to go to in order to produce the income to get to the point of retiring. That’s the challenge for people when they talk about retirement. It’s a secondary thought. It’s like, “I’ve got to worry about now and I need income. Once I get the income, then I can think about retirement.” What are your thoughts about that? How were you able to produce the income to get to where you are?
It’s funny that you asked that because one of the organizations, Hope4USA.org is a very big organization that had a big convention down in Orlando, Florida. They invited me there to speak. What I was teaching was, “How do you save when you have little or no income?” That was my topic. It was hundreds of people sitting there and they say, “I’m struggling. I’ve got bills. I’ve got this and that.” That was me but I made my business grow so much because I help them find ways. When I sit with someone, I said, “Tell me what your dreams are. What do you hope? When do you want to retire?” People would say, “I want to retire in 5 to 10 years.” I say, “How much income do you want?” People would say, “I can’t get to save enough money and pay bills and all that.” Rodney, believe it or not, when they sit with me, I find the money. I find a way for them. If they don’t have it, I find a way to give them money.
You blow my mind. How do you do that? If someone is reading this and I know there are several people in this situation. They want to save money, but they don’t feel like they have enough money to save. How do we go about finding this money? What do you mean by you find the money?
I’ll give you an example. I was sitting with a lady who is 30 something years old and they said, “I don’t have any money. I don’t know where my money goes, what I spend and all that.” When you come to my event, I don’t want to give it away, but they can pick it up at my event. You will see a demonstration that I would do. I look at the woman and say, “Let’s take a look, where are you spending your money?” I’ve got to be honest with you, the first thing people do is they don’t know where to put the money. The woman tells me, “I don’t have any money.” I looked at their nails. They have these manicured nails and these nails cost $50 to $60 to get it done. They don’t have money, but for some reason, they do have the nails done.
When you go out there, you meet ten women and how many have their nails done? At least seven of them. These are the one that tells me they don’t have money. It’s a priority. A lot of times, I find that they go to work and they say, “I’ve got the company that provides this and then I participate.” I looked at the paycheck and they contribute to some time, term insurance and things on the paycheck. They’ll put some of the unnecessary things that I find all the time. All these paychecks that I’m saying, “Stop.” I find you’re donating a lot of money to things that eventually don’t have anything anyway. Those are the things that I help people find where their shortfall is or things that they could get rid of.
I’ll give you an example. There was another old lady. She’s a retiree and she said, “I love my kids. I love my family. One day, I’m going to die and I want to leave them something. I don’t have anything to leave them. It’s sad because I’m on a limited budget. All the money I have is going elsewhere and everywhere and I don’t have any other money.” We sat down and I looked at her overall expenditures of everything and how much she’s paying for Medicare and other stuff. There were some fees that she was paying unnecessary on the supplemental plan. I found out of $167 that she was paying unnecessarily. We took that money. She no longer needs to pay that and still have all the coverage that she needs. We took that and created life insurance so that it can leave a legacy and provide a lot of care she’ll ever need in the future.
The idea here is to take a look at your overall spending, where are you spending money that doesn’t necessarily happen? Where can you save? Is that the idea here?
One is to find the money that you are spending. I’ve always found money somewhere. Let’s say, all else failed. They’re like, “I don’t have money.” There was an audience, there was this young girl working three jobs. I looked at the audience and I said, “Let me ask you a question, if I can put $1,000 extra a month in your pocket, would that be helpful?” She said, “Absolutely. I could pay off my car. I can help pay some of the debt and electric bills.” I could see the lights lit up. I’m not talking about hundreds of thousand dollars. I’m talking about $1,000. They said to me, “How do you do that? How do you make an extra $1,000?” I showed them the way and I said, “This industry is such a needy service industry that I need people like you to be a part of with me.” For example, I was speaking in front of 300 audiences and by the time I leave, my phone is booked. Nowadays, I don’t know. I’ve got hundreds of clients waiting for me.Wherever you're putting your money, you better look if the market takes a turn and the market goes down. Click To Tweet
I was on channel seven on Good Morning, Washington. After that, I’m getting messages on LinkedIn. I’m getting 200 to 300 requests on Facebook and all the places. I’m one human being. I can’t handle it all. What if I can take someone and teach everything I know in the industry. I’m doing a pilot program with the Shelter House for Katherine Hanley, the biggest nonprofit in the Virginia area. I have a program where I’m taking any women or men, I don’t care who they are. I’m training them, getting them certified and teach them in the financial industry. I have been their mentor and at the same time, I have one of my directors and I pay for everything. I pay for all the licensing, all the certifications.
What is the most common challenge you found? You’re doing a lot of educating. What are the most challenging issues that we have with our relationship with money? What are you finding?
First of all, the things that I do when I sit in front of someone is too good to be true. It doesn’t exist and that connotation I use all the time. Every single time I get in front of the audience, where I get in front of head honchos or the financial people who have been doing it a long time and they would reach back with me. One of my clients said to me, “You’re going against old, traditional thinking when it comes to financial planning.” I said to her, “Just because it is old and traditional, it doesn’t mean they’re always right. There are new things. Why do you do certain things a certain way? Is it because everybody told you so?” There are new ways to enhance it, to make it better. A shortcut that can still get you to the destination faster. Isn’t that a way that people want to know? I’m doing things differently, but that doesn’t mean it is wrong. I know that a lot of people out there are heading to a cliff. I see the cliff coming and I’ve been there.
I’m getting ahead of them and I’m going to say, “Please don’t go that direction because 90% of you are going to fall off the cliff.” I know there’s a way that you can turn to a right or left that you don’t have to go to a cliff like everybody else. For those who want to listen to me, fine, and for those who don’t, at least I told you. A lot of people are listening to me and beginning to understand it just like that CEO of the company I was in front of. I said, “I’m not giving you a fairy tale story. Here are the facts. Do you agree with me?” Every question I ask him on his plan, he agreed 100%. “You’re heading toward a cliff and it’s okay. After we’re talking here, you as a Chairman of a company, knowing what I told you and you still want to go towards the cliff.”
Is this a financial literacy issue? Most people don’t know. When you say we’re heading towards a cliff, more people think about that. They don’t know whether they’re heading towards the cliff. Even if they believe you, they would say, “I still don’t know what to do to avoid going over the cliff.”
Let me do a demonstration. I was in a room with 75 men. The back, feet, and hand, everything else you could see the gesture were like, “What is this woman going to tell me that I don’t already know?” I have 30 seconds to capture their attention and immediately I said to them, “Gentlemen, you don’t need me. You all know about money so much. You’re all pretty financially strong and secure. What is Shirley Luu going to tell you that you don’t know?” They smirked a little bit and all that. I looked to my right, there was a table of ten men and I looked at one of them, I said, “Can you please stand up?” He stood up. Then I say, “Can you look at the audience?” He looks at them. I said, “Please tell the audience.” He said, “You probably think you’re strong financially and your stuff is in control.” I took my finger and I pointed it on his shoulder, I said, “Do you want to know something? Do you know, your retirement account, I can go in there and take as much money as I want, when I want, how much I want and I will dictate to you exactly what to do and you can’t even say, ‘diddly-squat?’” Imagine if I said that to you.
You will cause some major stress.
These guys are like, “What are you talking about?” I looked at all the other guys at the table and I took my finger and I pointed to them, “I can do the same thing to you and I don’t understand why you would allow me to do that. You don’t even question it. You just abide by the rules.” That’s where my presentation begins. I said, “Are you ready to learn about money?” They were like, “What do you mean you’re taking my money and dictating me and all that?” I said, “I’m not good at math. Can we deal with it with $1? In your retirement account, if you want to take a $1 out, what do you have to pay?” Everybody’s like, “Taxes.” I said, “How much taxes will you pay if you took $1 out?” He said, “Around 35%.”
I said, “Let’s do $0.30 on a $1. If you take a $1 out, you have to pay me $0.30. Now, I’m, Mrs. Sam. Before we go on, let me tell you a story. Years ago, 40 people go to work to support one retiree through the tax benefit subsidized retirement Social Security. The ratio is 3:1. It has gone from 3:1. Years from now, it will be 2:1. You’ve got 2:1. Please stand up if you think taxes are going to be lower?” No one stood up. I said, “I’m glad that you all feel that the tax is going up. You know that from a 30% tax bracket that you are going to go up. Has anyone of you read the Congressional Budget Committee Report 2033? In that report, it says that taxes will double by 2033. If you have 30%, it could go up to 60%. Not only that, there’s another statistic you could be aware of. Years from now, 70% growth is age 65 or older. Look around the room, 75%, 65 older, I will be one of them.”
I looked over this little young lady sitting there and I go, “Poor young lady, you have to go to work to support the rest of us.” I said, “Years go by, please tell me you want $1 back.” He goes, “Can I have my $1 back?” I go, “Here’s a problem. I got all these retirees, Social Security is running out, Medicare, Medicaid, taxes and everything else. To get your $1 out, you’re going to have to pay me $0.60 on the $1. How old would you be?” He goes, “I’ll be 57.” I said, “We’ve got another problem. What happens at 57?” They go, “You’ll get a penalty, 10%.” “You mean to tell me you’re putting money in an account that’s given me low pretax of about 10% to 15% and when you take your money out a $1, you’re going to pay $0.60 to $0.70 and you make $0.30. What am I going to do?
Do you pray at night when you go to bed and things like that? If you don’t, I suggest you all start praying. You better pray for that other $0.30 or $0.40 are not stock market. You will lose money. Why is everybody putting money in a qualified plan already knowing that you get hit with $0.30 on the dollar and you’re aiming for funding the government $0.60 to $0.70? I could change the law anytime, any day, anywhere. You would have to do exactly as I tell you. How do you solve it? Let’s see which one of you has a tax-free retirement account?” No one stood up. Then I said, “You all have financial advisors.” For every $1 that you put in, I have a bank that matches a 3:1 ratio. How many can have that?” Nobody knows. I’m killing it right now. I’m going to a company, corporation and sharing this knowledge to the C-level and above. I have not had one company said no to me ever since I started that program at 3:1. We had 23 companies sign up within 2019.
This is basic. You have more information and insights to share.
This is like sitting down looking at them and all that. I said to them, “You owe to yourself. Look what you have, compare and do the stuff. That’s what my team does.” My team at Shirley Luu & Associates, we sit down and do some amazing things and I’m getting more and more traction. Rodney, I’m getting a mortgage company signing up. I signed more than 200 tax services agency that is taking all my stuff to their customer. We have another contract of 500 tax offices and I will continue. 2020 is just the beginning of the game and getting our name. Now, we’ve got all these awards and accolades. There are many podcasts, magazines, radio shows and TV shows within the next months. I’ll be on all the different TV channels as well.
I know that this is very dear to your heart. Based on your short story and that you are targeting women. You want to empower women and there’s a program that you used to do so-called LiSA Initiative. Could you tell us about that?
The LiSA Initiative is designed for educating and that particular program is designed to teach everyone, not just women, but kids, school at all levels and college. We do a lot of education with nonprofit and everybody about budgeting. I think budgeting is an important piece, about credit cards and how that can impact all the money that you’d be paying for the rest of your life, basic investing and fundamental stuff. There are classes that we go through and we teach people all the different phases of it so that they could understand how that impacts the money and finance. It’s a course that we do at no charge. There is another one that I’ve been working with teaching people about Social Security. If people didn’t know, they’re still working at the age of 71, 72, have not reflected on their Social Security. They know they could start. They are behind. These are the things that people are not teaching them out there and hopefully, we could be at the forefront of it.Investing is not just about the creation of wealth but also about leaving a legacy. Click To Tweet
I’m glad you bring that up because it is a good time for people to know where they can find this course. Can you give us some information where someone who’s reading can go and maybe sign up with a course or learn more about it?
The first thing is to get in touch with my organization. They can go through the website, ShirleyLuuAssociates.com and there is a contact page there. We have offices in 50 states. That’s something the audience needs to know. I know where they are and things like that. A lot of times, we also do one-on-one. We work with organizations. For those organizations out there to say, “I would love to have this thing at my school, at my churches or at the different places.” We could accommodate them. We come to them. We can set up. That’s what makes us so unique that we will come to them as well. We have all the stuff they can plugin or we can come to them.
You guys go to schools and different organizations instead of shop and teach right at their site.
That’s what I am excited about. We’re there to serve.
I feel that there’s a lack of financial literacy within the community as a whole. I think the more we can educate ourselves about money and a lot of people are struggling with money. There seems like a large disparity between the people who are not struggling with money than the people who are struggling with money. I think the difference is education, sharing the information, which is another reason why I’m delighted that you were in agreement with coming on the show. I know that you’ve participated as a host and a co-producer of a television series called The Real Secrets of Money. I want to go and check some of that out. If you could, what are some of the secrets that you can share some of them that people should know about money?
The first thing is wherever you’re putting your money, you better look at if the market takes a turn and the market goes down, could I lose my money? If it’s yes, you better look at other things to compare. The first thing is protecting your money. The market will make more than a correction. I am fearful that people out there. It’s great when the market goes down, but in December 2019 and within the last six months, people lost everything that they put in and people didn’t pay attention. Just like I sat with the CEO and I said, “Have you looked at your statement?” He said, “No.” I said, “Did you take any money out? Was it withdrawn?” He goes, “No.” I said, “What’s all these negative?” I didn’t know if there was but I want him to pay attention. Protecting your money is important.
The second thing people need to think about is whether it’s now or later, wherever they have the money, that account needs to have what’s called guaranteed stream of income. That means if I take a certain dollar amount out, I’ll have that money every year for the rest of my life. I will never ever run out. If they don’t have something that’s called guaranteed lifetime income, you’ve got another problem coming. You see right off the bat from your experience and people you know, are not thinking about protection and guaranteed lifetime income. The third thing that people haven’t thought about is that taxes are going to hit them hard. If they think tax is going to be at the lowest point, let’s pay Uncle Sam what we owe him now so that we never have to owe him another dime down the road.
I don’t think people realize the vehicles out there exist to do that. That’s almost unheard of. This is the new and unconventional way of investing that you’re talking about and maybe I’m just not financially literate enough, but I’ve not heard of that as a possibility.
Another thing, what I normally do is I look at people’s finance. If you get $100,000 to $200,000, how to create a million? I want you to have that. Besides helping the creation of wealth, I think to leave a legacy. You know my story and I’m passionate about it. I’ve seen somebody’s story and if anything happens, they could fend for themselves. Sometimes, GoFundMe, in the minority community and in women, I see that all the time. It’s disheartening. I don’t know if you know George Fraser. One time he said, “If the African community doesn’t make a change the way they view those things and how they take care of the family, leave a legacy, we’ll be 37 years behind the rest of the race.” I looked at the community and I said, “When someone dies, the first thing they do is GoFundMe. Pass the hat around and the cycle is nonstop. It happens over and over again.
How do we stop that? The only way to stop is that I knew how to stop it. I told many parents where I get to sit in front of them. I said, “We can change the dynamic of our next generation of kids by what we do right now. Do you want to change your kids? Do you want your family, your grandchildren to get ahead of the rest of the other people?” It’s the education. It’s not that they don’t love them. It’s not that they don’t care about those, but I don’t think they know where to go. I want to change that. I want to change the dynamic because we change our lives at the time we do it.
You are a wealth guru. What you’re talking about here is generational wealth and not just creating wealth for yourself. Nowadays, you can’t just think about the wealth that you’re going to create in your life. It’s legacy. You’ve got to think about what’s the impact of the wealth that you’re creating going to have in generations to come after you?
That makes me very different because I want to think above and beyond where we are. The other thing that people think about is that they’re invincible. They think they can live forever. I’m worried that you and I are going to get sick, get hurt, heart attack, stroke, Alzheimer’s and dementia. All these things could happen way before we die. Nobody is protected from that. They think about it and they think, “I have savings.” Your savings can go towards that and then, what do you have to live off? To be honest with you, I want to make sure the insurance companies are responsible for most of it and not our pocket. I’m passionate about that because it’s for a different reason. There was so much lack of knowledge when it comes to finances.
There’s this mindset that you’ve heard before, it takes money to make money. If I’m not making a certain amount of money, if I’m barely making the ends meet, then how can I think about generational wealth? I don’t even have wealth for myself. It’s changing the paradigm. It’s helping individuals increase their income. Could you talk a little bit about that? How can we do that as well?
The first thing you need to do is look at your budget and find where you’re spending and not spending. The second thing is that if you don’t have an income, then you’d have to say, “I’m now at a point, how do I make more income? Do I get another part-time job? Should I do something else? What is out there for me that I can make an extra stream of income?” That’s where I do the magic. That’s where I want to take people. Even though I said to you that I want to work with people, when I work for someone, everything to me is very important. Attitudes are number one. They have to have a great attitude. If you have a nice attitude and a great attitude, I can change your whole life around, but if you’re there and you’re down, I can’t do much of that.
The second thing I try to do is tell people, “It’s important that people are able to fly and do the things that need to do with transportation.” That’s an important piece. I help people how to get there. I find a pathway for them to be able to be successful so that they could get out of the rut. If you tell me what your problem is, then I can help. This lady told me her story. She’s got a son and a daughter and her husband is in jail. The daughter moved in with the mom and three kids. She’s working on that job. She’s got a little 401(k) and I say, “What happened? Are you paying for everything else? What is the daughter helping you with?” She said, “Just the electricity.” I said, “You told me she has a good job and the only thing she’s paying is the electricity. What is that telling me? Where’s the money?”
She’s doing things. She said, “She’s a graphic artist.” I go, “You told me she’s financially secured and you, as a parent, are struggling and trying to find money to raise the three grandchildren and her. There’s something wrong with that money. Where’s it going?” I found out that she’s dating some guys. “Do you jump from one bad relationship into another relationship?” Sometimes I want to shake some of these people up.
Have you recommended or had clients that are hungry for this and that to build wealth and achieve those goals, get a part-time job for the sole purpose of investing?
I will tell you the testimony that many women and men came to me and they are broke. They have no money. They barely have money to pay rent. They’re about to get kicked out of the house. They are losing everything and all that. Now, they prosper. They’re thriving. They’re doing the things they are passionate about. Some of them even get interviewed on TV and they say, “What do I say?” I coached them on what to say, being able to change lives and do the things that you do. Someone showed me the IRS data reporting income that the top 1% in the US makes $500,000 a year. I looked at the number and I said, “Why is that so little?” Someone looked at me like, “Shirley, $500,000 is not little.” In the Midwest and other places, people are making $40,000 to $50,000 a year. You take $500,000, that’s ten times. I said, “The people that work with me and affiliated with me, we have the power to let them become the 1% and that’s the exciting part.” We have that power. If they choose to have it, they can be alongside. There are many things about the business, about the passion, about education because at the end of the day, they need you.
What I see with you, Shirley, what’s not being said is that you know this is possible and you’ve lived it. Your voice is coming through and that’s the message to people. That’s what people have to understand is that their situation doesn’t have to stay the same day. There are these vehicles, there are ideas. There are these things that we can do to help you change the situation if you’re willing. Are we saying it’s going to be easy? No. It’s going to take some work. It may take you going without a few things that you would consider pleasurable for a little while until you can get to that place. It’s all worth it. For you to say what you’re saying and not say, the 5% is possible with $500,000 a year. What you’re saying is 1%, which is I’m assuming it is 500 and up and you’re talking millions of dollars a year in your life. That’s absolutely possible for anyone that’s willing to figure out and learn these techniques that you have to do that. That’s very encouraging.
I have helped people achieve that goal. It’s not like I talk, I did it. I’m excited because in 2020, they’re going to be many more that I’m going to take on the ride with me. To me, that’s changing lives from an individual standpoint and where they are.
Shirley, thank you for coming on the show. How can people connect with you if they want to learn more about you and your services?
If you do connect with me, please tell me that you learned of me on Rodney’s show. Please contact me on my website, ShirleyLuuAssociates.com. I’ll give you my direct cell phone. I love to talk to clients in real life. I used to get every phone call, every text and email. My direct cellphone number is (703) 608-1203. My website has all the detailed information and you can put your contact information there. There’s a contact page and then I’ll get back to you as well.
Shirley, thank you for your time and your knowledge with us. It is such a short period. I would love to spend more time with you, picking your brain about things, but thank you for stopping by. If you could leave us one little nugget regarding finance, a game-changing message that could help us begin to change the game in our financial lives.
This is whether for personal finance or your personal life, it doesn’t matter where if there’s something you want to change. Here’s my quote, “You can’t move forward if your mindset is not willing to take the next step.”
There you have it. If you want more money in your life, let’s check that thought process. Let’s see what you are thinking. Let’s see if you’re ready to take this step forward from a mental standpoint. I love it. Thank you so much, Shirley, for stopping by. I appreciate it. Take care of yourself. It is another successful episode. Do you want to go to the next step, to the next level in your finances? Check your mental, are you really ready to go to that step? Until next time. Peace and love.
I want you to remember that everything that you desire is within you. Everything that you want is within you. You have to take charge and express yourself. Get it out, take action and believe in yourself. Believe that some behavior, some action that you can take can literally change the game, the outcome, the trajectory of your life and the lives of others. Once you come to that awareness, it is now your responsibility. You are accountable to take action.
- Dr. Shirley Luu
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About Dr. Shirley Luu
Shirley Luu is an Award-winning financial advisor, hands-on trainer, author, national speaker on financial literacy, and renown wealth guru. Her 20 years of expertise in the financial services field sets her apart as one of the industry’s most notable connoisseurs.
Serving as an Executive Field Chairman for First Financial Security, Shirley Luu has dedicated over 14 years to informing, educating, and empowering individuals and small and large business owners on the most powerful mediums for lifetime income and retirement.
Her personal journey, as a widowed mother of three, has allowed her to recognize the unique challenges that exist for women, front and center. She actively empowers women across the globe to “know their money” through various educational and enrichment programs, including the LiSA Initiative.
Shirley Luu sits on the Executive Board of the Tysons Regional Chamber of Commerce, is a proud sponsor and speaker for the George Mason University Entrepreneurs and Finance Club, and local trainer for the U.S. Small Business Administration (SBA). She is currently preparing new initiatives with Microsoft to integrate technology and finance.
Amid Shirley’s profusion of recognitions, many of her awards and achievements highlight her support for countless nonprofit and philanthropic causes. Other programs include but are not limited to championing on Guaranteed Lifetime Income, Financial Literacy, and Smart Retirement featured in Forbes 2016 Magazine; Monthly Syndication on Sirius XM Satellite Radio in all 50 states; Host and Co-producer of the Cable Television Series The Real Secrets of Money; and Financial Literacy Speaker on Dish Network in the U.S. and Canada.
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