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Lazetta Rainey Braxton, MBA, CFP®
Lazetta Rainey Braxton, MBA, CFP®
Financial Planner for the Rest of Us

Lazetta Rainey Braxton, MBA, CFP®

Lazetta Rainey Braxton, MBA, CFP®, is the Financial Planner for the Rest of Us. Unlike many financial advisors who focus only on the super-rich and 1%, Lazetta partners with everyday people who desire the financial freedom to influence, experience, give, and make a difference for their family and future generationsto create wealth for the common good.

As a CERTIFIED FINANCIAL PLANNERTM practitioner with more than 20 years of experience in wealth management services, Lazetta offers personalized financial advice, investment management, and educational seminars to individuals, families, businesses, and institutions. She offers a safe space for clients to connect with their values and develop a financial plan for a secure and abundant life. In 2008, she founded Financial Fountains, a fee-only financial planning and registered investment advisory firm that serves clients from around the country.

Lazetta strongly believes in diversity and inclusion and access to financial planning. Her volunteer leadership positions include serving as Chair of the Association of African American Financial Advisors (AAAA), Founding President of the AAAA Foundation, as well as a member of the CNBC Digital Financial Advisor Council, CFP Board Center for Financial Planning Advisory Panel, Women’s Initiative Council, and Diversity Advisory Group.

Recognized for her leadership, entrepreneurial spirit, and dedication to the financial planning profession, Lazetta was honored as one of the inaugural Investment News’ Women to Watch and Excellence in Diversity and Inclusion See It Be It awardees and is a recipient of the Association of African American Financial Advisors’ Leadership Legacy Award.  She also received the Heart of Financial Planning award from the Financial Planning Association.

Lazetta is frequently featured in national publications and makes guest TV appearances as a financial expert. She has appeared on NBC Nightly News with Lester Holt, Nightly Business Report, CNBC Closing Bell and CNBC Power Lunch. She has been featured in national publications including CNBC.com, Wall Street Journal, Kiplinger’s, Essence, Black Enterprise, Financial Planning Magazine, Morningstar, USA Today and many more. Also, as sought-after speaker, Lazetta delivers keynotes and workshops that invite attendees to secure their legacies one dollar at a time.

Lazetta holds an MBA in finance and entrepreneurship from the Wake Forest University, a BS in finance and international business from the University of Virginia, and a Certificate of Achievement in Personal Financial Planning from Metropolitan Community College of Omaha, Nebraska. She resides in the Baltimore metro area with her husband Brad, their daughter Karis, and dog, Sampson.









Featured Media Profiles



Certified Financial Planner Lazetta Rainey Braxton agrees it’s important to teach children responsibility and money management.

That may include paying your kids for doing chores.

“Conceptually, the allowance for rendering services is a good way for children to know that you get paid for working,” said Braxton, founder and CEO of Financial Fountains in Baltimore and a member of the CNBC Advisor Council.

Read the full article by Michelle Fox on CNBC.com.


Lazetta sat down with InvestmentNews‘ Bruce Kelly to talk about Rene Nourse and the importance of mentoring for increasing diversity within the industry.

Read the full article here.


Wealth management and financial planning have a reputation for being the kind of services that are reserved only for the elite. Lazetta Rainey Braxton has aimed to single-handedly change that.

Fusing her many passions for the higher purpose of empowerment, Braxton founded Financial Fountains, which provides financial well-being and effective stewardship practices to a diverse client base. Since 2008, she has offered financial planning and investment management services to clients across the country, while conducting educational seminars through her speaking series, Gateway to Wealth.

A leading voice for diversity and inclusion in her profession, Braxton is an active participant on many fronts. She is chair of the Association of African American Financial Advisors (AAAA) and the current and first president of the AAAA Foundation, which advances financial planning in African-American communities. She also serves on the CFP Board Center for Financial Planning Advisory Panel, Women’s Initiative Council, and the Diversity Advisor Group.

And as if that impressive list didn’t already read as if she operates with a completely full schedule, we feel inclined to add that Braxton often collaborates with the media as a member of the CNBC Digital Financial Advisor Council, and has made TV appearances on “NBC Nightly News with Lester Holt,” “Nightly Business Report,” and CNBC’s “Closing Bell.”

Read the University of Virginia Interview.


Women who set their mind on something usually achieve great things.

As a female certified financial planner professional and founder of my advisory firm, I enjoy seeing women get excited about achieving financial confidence. They learn to value the role money plays in living their best life. They experience the freedom to build, enjoy and share wealth on their own terms.

Simply stated, the right money mindset makes women an even more formidable force in the world.

One threatening mental block to financial confidence and freedom for women is “money FOG.”

FOG — fear, obligation, guilt — attacks sparkling minds and blocks healthy views on money. Money FOG slows the progress you need to grow, keep and distribute wealth. And wealth is the key for supporting the life a woman desires for herself as well as for those whom she loves and supports.

Women’s wealth is rising. By 2020, women are projected to control $72 trillion in private wealth. With outpaced revenue growth for women-owned businesses, women can’t afford money FOG. Its potential damage to wealth is too expensive.

Let’s take a closer look at how money FOG clouds a woman’s money mindset and dampens a joyous life.

Read More on CNBC.


If you can’t see it, will you believe in it?

The “it” takes different forms, depending on the context. If the focus is black wealth, the “it” represents the stock market. And in this context, investing time, energy and even money into something unseen can translate into a very risky proposition.

If wealth is a household objective in black communities, the stock market should absolutely be considered.

Low African-American participation in the stock market contributes to the widening wealth gap between black and white households, according to a 2014 study by Credit Suisse and Brandeis University’s Institute on Assets and Social Policy.

There are signs, however, that change is coming. To that point, according to a 2017 market research report, about 67 percent of African-Americans with incomes of at least $50,000 have money invested in stocks or stock mutual funds. That compares with 60 percent in 2010 and 57 percent in 1998.

Proven, tangible options — such as real estate, certificate of deposits and insurance policy contracts — have made the case for expanding one’s portfolio to include the stock market a tough sell for African-Americans.

Let’s be honest, when the stock market’s highs and lows show up in real numbers on investment statements, handling the ping-pong effect between euphoria and misery challenges even the best of us. The stock market as a long-term play requires trust, engagement and belief that “it” was created with us in mind.

The stock market features a concept that resonates with many African Americans: business ownership. In fact, entrepreneurship holds great importance for historically disenfranchised communities seeking greater access to goods, services and sustainable income. Business investment as a stockholder expands opportunities to join other stakeholders in the quest for profitability and returns, as well as to share the risks.

Read the Article and Watch the Video.






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