# Finhabits

> Finhabits is a bilingual financial wellness platform built by Latinos, for Latinos, that turns small, automatic deposits into diversified investment portfolios. Founded by MIT-trained engineer Carlos Garcia, the New York fintech pairs low-minimum Roth and Traditional IRAs with Spanish-and-English financial education to close the wealth gap for first-time investors, serving hundreds of thousands of members who often start with as little as a few dollars a week.

- **Founded:** 2015
- **Headquarters:** New York, United States
- **Founders:** Carlos Armando Garcia (Founder & CEO)
- **Team size:** ~30 employees
- **Products:** Bilingual Robo-Advisor, Retirement Accounts, Emma, 401(k) Plans, Financial Education
- **Notable:** Fast Company Innovation by Design award (2020), Selected for Goldman Sachs Launch With GS, Carlos Garcia named one of Goldman Sachs' 100 Most Intriguing Entrepreneurs

## Products & services

- **Bilingual Robo-Advisor** — Automated, diversified ETF portfolios spanning US stocks, international stocks, bonds, and REITs, with automatic deposits, rebalancing, and dividend reinvestment.
- **Retirement Accounts** — Roth IRAs, Traditional IRAs, and rollover IRAs with low minimums - members can start investing with as little as $5.
- **Emma** — An AI-powered bilingual financial planner launched in April 2025, available 24/7 for first-time investors.
- **401(k) Plans** — Bilingual, affordable retirement plans aimed at Latino-owned small businesses and their workers.
- **Financial Education** — Bilingual blog content, livestreams, videos, podcasts, a retirement calculator, and the Latino Investment Report.
- **Protection / Insurance** — Auto and home insurance quotes and comparison through Finhabits Insurance Services LLC.

## Achievements

- Fast Company Innovation by Design award (2020)
- Selected for Goldman Sachs Launch With GS
- Carlos Garcia named one of Goldman Sachs' 100 Most Intriguing Entrepreneurs
- Grew to 680,000+ members serving the US Latino community
- Launched Emma, an AI bilingual financial planner (April 2025)

## Latest updates

- **2025-04** — Launched Emma, described as the first AI-powered bilingual financial planner for first-time investors.
- **2025-01** — Published guidance for members on using IRA contributions to lower their 2025 tax bill before the April 15 deadline.

## Links

- Website: https://finhabits.com
- LinkedIn: http://www.linkedin.com/company/finhabits
- Twitter/X: https://twitter.com/finhabits
- YouTube: https://www.youtube.com/channel/UCZ3IANIWHqEKFXWH5MHn9JQ
- Instagram: https://www.instagram.com/finhabits/
- Facebook: https://www.facebook.com/Finhabits

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Profile page: https://yespress.io/finhabits
Published by YesPress — https://yespress.io
Last updated: 2026-06-07