{"id":37709,"date":"2026-05-05T18:17:29","date_gmt":"2026-05-05T22:17:29","guid":{"rendered":"https:\/\/www.finhabits.com\/?page_id=37709"},"modified":"2026-05-05T18:19:41","modified_gmt":"2026-05-05T22:19:41","slug":"landing-page-retirement-espanol","status":"publish","type":"page","link":"https:\/\/www.finhabits.com\/es\/landing-page-retirement-espanol\/","title":{"rendered":"Landing Page Retirement Espa\u00f1ol"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\n\n\n\n\nIRA para tu Jubilaci\u00f3n | Finhabits<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600;9..40,700&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --fb-white: #FFFFFF;\n --fb-yellow: #FFCE39;\n --fb-yellow-soft: #FFF6D9;\n --fb-yellow-hover: #F5C22E;\n --fb-black: #00001B;\n --fb-black-soft: #1A1A2E;\n --fb-g50: #FAFAFA;\n --fb-g100: #F4F4F4;\n --fb-g200: #E5E5E5;\n --fb-g300: #D4D4D4;\n --fb-g500: #8A8A8A;\n --fb-g600: #6B6B6B;\n --fb-g700: #4A4A4A;\n --fb-cream: #FDF8F2;\n --fb-display: 'DM Sans', -apple-system, sans-serif;\n --fb-body: 'DM Sans', -apple-system, sans-serif;\n --fb-r: 12px;\n --fb-r-sm: 8px;\n --fb-pill: 50px;\n }\n * { margin: 0; padding: 0; box-sizing: border-box; }\n body {\n font-family: var(--fb-body);\n font-weight: 400;\n color: var(--fb-black);\n background: var(--fb-white);\n -webkit-font-smoothing: antialiased;\n line-height: 1.6;\n }\n a { color: var(--fb-black); text-decoration: underline; }\n\n \/* \u2500\u2500 Nav \u2500\u2500 *\/\n .nav {\n position: sticky;\n top: 0;\n z-index: 100;\n background: rgba(255,255,255,0.96);\n backdrop-filter: blur(20px);\n -webkit-backdrop-filter: blur(20px);\n border-bottom: 1px solid var(--fb-g200);\n padding: 0 24px;\n height: 56px;\n display: flex;\n align-items: center;\n justify-content: space-between;\n }\n .nav-logo { display: flex; align-items: center; gap: 8px; text-decoration: none; }\n .nav-logo svg { height: 26px; width: auto; }\n\n \/* \u2500\u2500 Hero \u2500\u2500 *\/\n .hero-section {\n background: #FFF6D9;\n padding: 52px 24px 60px;\n }\n .hero {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 48px;\n align-items: stretch;\n max-width: 1060px;\n margin: 0 auto;\n }\n .hero-img-wrap {\n border-radius: 16px;\n overflow: hidden;\n box-shadow: 0 16px 48px rgba(0,0,27,0.14);\n display: flex;\n height: 100%;\n min-height: 420px;\n }\n .hero-img {\n width: 100%;\n height: 100%;\n object-fit: cover;\n object-position: center top;\n display: block;\n flex: 1;\n }\n .hero-badge {\n display: inline-flex;\n align-items: center;\n gap: 7px;\n background: var(--fb-yellow-soft);\n color: var(--fb-black);\n font-size: 12.5px;\n font-weight: 600;\n padding: 6px 16px;\n border-radius: 20px;\n margin-bottom: 20px;\n }\n .hero-badge::before {\n content: '';\n width: 6px; height: 6px;\n background: var(--fb-yellow);\n border-radius: 50%;\n }\n .hero h1 {\n font-family: var(--fb-display);\n font-weight: 300;\n font-size: clamp(28px, 3.2vw, 40px);\n line-height: 1.2;\n margin-bottom: 14px;\n letter-spacing: -0.3px;\n color: var(--fb-black);\n }\n .hero h1 strong { font-weight: 600; }\n .hero-sub {\n font-size: 16px;\n color: var(--fb-g600);\n line-height: 1.65;\n margin-bottom: 28px;\n max-width: 440px;\n }\n .value-checks { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }\n .vc { display: flex; align-items: flex-start; gap: 11px; font-size: 14px; color: var(--fb-g700); line-height: 1.5; }\n .vc-dot {\n flex-shrink: 0;\n width: 20px; height: 20px;\n background: var(--fb-yellow);\n border-radius: 50%;\n display: flex; align-items: center; justify-content: center;\n margin-top: 2px;\n }\n .vc-dot svg { width: 11px; height: 11px; }\n .trust-row { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }\n .trust-pill {\n font-size: 11px;\n font-weight: 600;\n color: var(--fb-g500);\n display: flex;\n align-items: center;\n gap: 4px;\n }\n .trust-pill svg { width: 13px; height: 13px; opacity: 0.35; }\n\n \/* \u2500\u2500 Form Card \u2500\u2500 *\/\n .form-card {\n background: var(--fb-white);\n border: 1px solid var(--fb-g200);\n border-radius: 16px;\n padding: 30px 28px 26px;\n box-shadow: 0 8px 40px rgba(0,0,27,0.07);\n position: relative;\n overflow: hidden;\n }\n .form-card::before {\n content: '';\n position: absolute;\n top: 0; left: 0; right: 0; height: 3px;\n background: var(--fb-yellow);\n }\n .form-card h2 {\n font-family: var(--fb-display);\n font-size: 20px;\n font-weight: 600;\n margin-bottom: 3px;\n color: var(--fb-black);\n }\n .form-sub { font-size: 13px; color: var(--fb-g600); margin-bottom: 22px; }\n .field { margin-bottom: 14px; }\n .field label {\n display: block;\n font-size: 12px;\n font-weight: 600;\n color: var(--fb-g700);\n margin-bottom: 4px;\n }\n .field input {\n width: 100%;\n padding: 12px 14px;\n border: 1.5px solid var(--fb-g200);\n border-radius: var(--fb-r-sm);\n font-size: 14.5px;\n font-family: var(--fb-body);\n background: var(--fb-g50);\n outline: none;\n transition: border-color 0.2s, box-shadow 0.2s;\n }\n .field input:focus {\n border-color: var(--fb-yellow);\n box-shadow: 0 0 0 3px rgba(255,206,57,0.20);\n background: var(--fb-white);\n }\n .field input::placeholder { color: var(--fb-g500); font-size: 13.5px; }\n .form-privacy {\n margin: 18px 0 20px;\n font-size: 12px;\n color: var(--fb-g600);\n line-height: 1.5;\n }\n .form-privacy a { color: var(--fb-black); font-weight: 600; }\n .btn-primary {\n width: 100%;\n padding: 14px;\n background: var(--fb-yellow);\n color: var(--fb-black);\n border: none;\n border-radius: var(--fb-pill);\n font-size: 15px;\n font-weight: 700;\n font-family: var(--fb-body);\n cursor: pointer;\n transition: background 0.15s, transform 0.15s, box-shadow 0.2s;\n }\n .btn-primary:hover {\n background: var(--fb-yellow-hover);\n transform: translateY(-1px);\n box-shadow: 0 4px 16px rgba(255,206,57,0.35);\n }\n .form-disclaimer {\n margin-top: 14px;\n font-size: 11px;\n color: var(--fb-g500);\n line-height: 1.5;\n text-align: center;\n }\n .form-disclaimer a { color: var(--fb-g700); font-weight: 600; font-size: 11px; }\n\n \/* \u2500\u2500 Proof \u2500\u2500 *\/\n .proof {\n background: var(--fb-cream);\n border-top: 1px solid var(--fb-g200);\n border-bottom: 1px solid var(--fb-g200);\n padding: 36px 24px;\n }\n .proof-inner { max-width: 700px; margin: 0 auto; text-align: center; }\n .proof-text { font-size: 16px; color: var(--fb-black); line-height: 1.6; margin-bottom: 20px; }\n .proof-rating { display: flex; align-items: center; justify-content: center; gap: 8px; }\n .proof-rating-num { font-family: var(--fb-display); font-size: 18px; font-weight: 600; color: var(--fb-black); }\n .proof-stars { font-size: 18px; color: #FFCE39; letter-spacing: 2px; }\n .proof-rating-label { font-size: 14px; color: var(--fb-g600); }\n\n \/* \u2500\u2500 Calculator \u2500\u2500 *\/\n .calc-section {\n padding: 60px 24px;\n background: var(--fb-black);\n }\n .calc-inner { max-width: 800px; margin: 0 auto; }\n .section-label {\n font-size: 11px;\n font-weight: 700;\n letter-spacing: 2px;\n text-transform: uppercase;\n margin-bottom: 10px;\n }\n .calc-section .section-label { color: var(--fb-yellow); }\n .calc-section h2 {\n font-family: var(--fb-display);\n font-size: clamp(22px, 2.4vw, 30px);\n font-weight: 300;\n color: var(--fb-white);\n margin-bottom: 8px;\n }\n .calc-section h2 strong { font-weight: 600; }\n .calc-section .calc-subtitle {\n font-size: 15px;\n color: var(--fb-white);\n margin-bottom: 32px;\n }\n .calc-fields {\n display: grid;\n grid-template-columns: repeat(3, 1fr);\n gap: 16px;\n margin-bottom: 20px;\n }\n .calc-field label {\n display: block;\n font-size: 11px;\n font-weight: 600;\n letter-spacing: 1px;\n text-transform: uppercase;\n color: var(--fb-white);\n margin-bottom: 6px;\n }\n .calc-input-wrap { position: relative; }\n .calc-input-wrap span {\n position: absolute;\n left: 14px;\n top: 50%;\n transform: translateY(-50%);\n color: rgba(255,255,255,0.4);\n font-size: 15px;\n pointer-events: none;\n }\n .calc-field input {\n width: 100%;\n padding: 12px 14px;\n background: rgba(255,255,255,0.06);\n border: 1.5px solid rgba(255,255,255,0.12);\n border-radius: var(--fb-r-sm);\n color: var(--fb-white);\n font-size: 15px;\n font-family: var(--fb-body);\n outline: none;\n transition: border-color 0.2s, box-shadow 0.2s;\n }\n .calc-field input.has-prefix { padding-left: 28px; }\n .calc-field input:focus {\n border-color: var(--fb-yellow);\n box-shadow: 0 0 0 3px rgba(255,206,57,0.15);\n }\n .calc-field input::placeholder { color: rgba(255,255,255,0.25); }\n .btn-calc {\n width: 100%;\n padding: 14px;\n background: var(--fb-yellow);\n color: var(--fb-black);\n border: none;\n border-radius: var(--fb-pill);\n font-size: 15px;\n font-weight: 700;\n font-family: var(--fb-body);\n cursor: pointer;\n transition: background 0.15s, transform 0.15s;\n margin-bottom: 24px;\n }\n .btn-calc:hover { background: var(--fb-yellow-hover); transform: translateY(-1px); }\n .calc-result {\n display: none;\n background: rgba(255,255,255,0.04);\n border: 1px solid rgba(255,255,255,0.08);\n border-radius: var(--fb-r);\n padding: 28px;\n animation: fadeIn 0.3s ease;\n }\n .calc-result.show { display: block; }\n @keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }\n .result-badge {\n display: inline-block;\n font-size: 11px;\n font-weight: 700;\n letter-spacing: 1px;\n text-transform: uppercase;\n padding: 5px 14px;\n border-radius: 20px;\n margin-bottom: 14px;\n }\n .result-badge.green { background: rgba(0,201,120,0.15); color: #00C978; }\n .result-badge.yellow { background: rgba(255,206,57,0.15); color: var(--fb-yellow); }\n .result-badge.blue { background: rgba(0,150,255,0.15); color: #5BB8FF; }\n .result-amount {\n font-family: var(--fb-display);\n font-size: 40px;\n font-weight: 700;\n color: var(--fb-yellow);\n line-height: 1;\n margin-bottom: 6px;\n }\n .result-label { font-size: 13px; color: var(--fb-white); margin-bottom: 14px; }\n .result-message { font-size: 15px; color: rgba(255,255,255,0.8); line-height: 1.6; margin-bottom: 20px; }\n .btn-result {\n display: inline-block;\n padding: 12px 24px;\n background: var(--fb-yellow);\n color: var(--fb-black);\n border: none;\n border-radius: var(--fb-pill);\n font-size: 14px;\n font-weight: 700;\n font-family: var(--fb-body);\n cursor: pointer;\n transition: background 0.15s;\n text-decoration: none;\n }\n .btn-result:hover { background: var(--fb-yellow-hover); color: var(--fb-black); }\n .calc-disclaimer {\n margin-top: 20px;\n font-size: 11px;\n color: var(--fb-white);\n line-height: 1.6;\n }\n\n \/* \u2500\u2500 IRA Comparison \u2500\u2500 *\/\n .ira-section {\n padding: 60px 24px;\n background: var(--fb-g50);\n border-top: 1px solid var(--fb-g200);\n }\n .ira-section .section-label { color: var(--fb-yellow-hover); }\n .ira-section h2 {\n font-family: var(--fb-display);\n font-size: clamp(22px, 2.4vw, 30px);\n font-weight: 300;\n color: var(--fb-black);\n margin-bottom: 8px;\n }\n .ira-section h2 strong { font-weight: 600; }\n .ira-section .ira-subtitle {\n font-size: 15px;\n color: var(--fb-g600);\n margin-bottom: 36px;\n max-width: 560px;\n }\n .ira-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 20px;\n max-width: 860px;\n margin: 0 auto 16px;\n }\n .ira-card {\n background: var(--fb-white);\n border: 1.5px solid var(--fb-g200);\n border-radius: var(--fb-r);\n padding: 28px 24px;\n }\n .ira-card.featured {\n border-color: var(--fb-yellow);\n border-width: 2px;\n }\n .ira-tag {\n display: inline-block;\n font-size: 10px;\n font-weight: 700;\n letter-spacing: 1.5px;\n text-transform: uppercase;\n color: var(--fb-yellow-hover);\n background: var(--fb-yellow-soft);\n padding: 4px 10px;\n border-radius: 20px;\n margin-bottom: 12px;\n }\n .ira-pop-badge {\n display: inline-block;\n font-size: 10px;\n font-weight: 700;\n letter-spacing: 1px;\n text-transform: uppercase;\n background: var(--fb-yellow);\n color: var(--fb-black);\n padding: 4px 10px;\n border-radius: 20px;\n margin-bottom: 10px;\n }\n .ira-card h3 {\n font-family: var(--fb-display);\n font-size: 20px;\n font-weight: 600;\n color: var(--fb-black);\n margin-bottom: 4px;\n }\n .ira-card .ira-card-sub {\n font-size: 13px;\n color: var(--fb-g600);\n margin-bottom: 20px;\n }\n .ira-row {\n display: flex;\n justify-content: space-between;\n align-items: flex-start;\n padding: 10px 0;\n border-bottom: 1px solid var(--fb-g200);\n gap: 12px;\n }\n .ira-row:last-child { border-bottom: none; }\n .ira-key { font-size: 12px; color: var(--fb-g500); width: 130px; flex-shrink: 0; }\n .ira-val { font-size: 13px; font-weight: 500; color: var(--fb-black); text-align: right; line-height: 1.4; }\n .ira-note {\n font-size: 12px;\n color: var(--fb-g500);\n text-align: center;\n max-width: 720px;\n margin: 0 auto;\n line-height: 1.6;\n }\n\n \/* \u2500\u2500 How It Works \u2500\u2500 *\/\n .how {\n max-width: 1060px;\n margin: 0 auto;\n padding: 60px 24px;\n }\n .how .section-label { color: var(--fb-yellow-hover); }\n .how h2 {\n font-family: var(--fb-display);\n font-size: 24px;\n font-weight: 600;\n margin-bottom: 32px;\n color: var(--fb-black);\n }\n .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }\n .step { padding: 24px 22px; border: 1px solid var(--fb-g200); border-radius: var(--fb-r); background: var(--fb-white); }\n .step-n { font-family: var(--fb-display); font-size: 32px; font-weight: 300; color: var(--fb-yellow); line-height: 1; margin-bottom: 12px; }\n .step h3 { font-size: 15px; font-weight: 600; margin-bottom: 5px; color: var(--fb-black); }\n .step p { font-size: 13px; color: var(--fb-g600); line-height: 1.6; }\n .rollover-card {\n margin-top: 20px;\n padding: 24px 28px;\n background: var(--fb-yellow-soft);\n border: 1.5px solid var(--fb-yellow);\n border-radius: var(--fb-r);\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 24px;\n flex-wrap: wrap;\n }\n .rollover-tag {\n display: inline-block;\n font-size: 10px;\n font-weight: 700;\n letter-spacing: 1.5px;\n text-transform: uppercase;\n color: var(--fb-yellow-hover);\n background: var(--fb-white);\n padding: 4px 10px;\n border-radius: 20px;\n margin-bottom: 8px;\n }\n .rollover-card h3 { font-size: 17px; font-weight: 600; color: var(--fb-black); margin-bottom: 4px; }\n .rollover-card p { font-size: 13px; color: var(--fb-g700); line-height: 1.6; max-width: 520px; }\n .btn-rollover {\n flex-shrink: 0;\n display: inline-block;\n padding: 13px 24px;\n background: var(--fb-yellow);\n color: var(--fb-black);\n border: none;\n border-radius: var(--fb-pill);\n font-size: 14px;\n font-weight: 700;\n font-family: var(--fb-body);\n cursor: pointer;\n text-decoration: none;\n white-space: nowrap;\n transition: background 0.15s, transform 0.15s;\n }\n .btn-rollover:hover { background: var(--fb-yellow-hover); color: var(--fb-black); transform: translateY(-1px); }\n\n \/* \u2500\u2500 Testimonials \u2500\u2500 *\/\n .test { background: var(--fb-black); color: var(--fb-white); padding: 60px 24px; }\n .test-inner { max-width: 1060px; margin: 0 auto; }\n .test-label { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--fb-yellow); text-align: center; margin-bottom: 28px; }\n .test-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }\n .tc { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.06); border-radius: var(--fb-r); padding: 24px 22px; }\n .tc-stars { display: flex; gap: 2px; margin-bottom: 14px; }\n .tc-stars svg { width: 14px; height: 14px; fill: var(--fb-yellow); }\n .tc-q { font-size: 13.5px; line-height: 1.7; color: rgba(255,255,255,0.85); font-style: italic; margin-bottom: 16px; }\n .tc-name { font-size: 13px; font-weight: 600; color: var(--fb-white); }\n .tc-meta { font-size: 11.5px; color: rgba(255,255,255,0.6); margin-top: 2px; }\n .test-disc { text-align: center; margin-top: 24px; font-size: 10.5px; color: rgba(255,255,255,0.45); max-width: 640px; margin-left: auto; margin-right: auto; line-height: 1.6; }\n\n \/* \u2500\u2500 FAQ \u2500\u2500 *\/\n .faq-section {\n padding: 60px 24px;\n background: var(--fb-white);\n border-top: 1px solid var(--fb-g200);\n }\n .faq-section .section-label { color: var(--fb-yellow-hover); text-align: center; }\n .faq-section h2 {\n font-family: var(--fb-display);\n font-size: 24px;\n font-weight: 600;\n text-align: center;\n margin-bottom: 36px;\n color: var(--fb-black);\n }\n .faq-list { max-width: 720px; margin: 0 auto; }\n .faq-item { border-bottom: 1px solid var(--fb-g200); }\n .faq-q {\n padding: 18px 0;\n font-size: 15px;\n font-weight: 600;\n cursor: pointer;\n display: flex;\n justify-content: space-between;\n align-items: center;\n gap: 16px;\n user-select: none;\n color: var(--fb-black);\n transition: color 0.15s;\n }\n .faq-q:hover { color: var(--fb-g600); }\n .faq-chevron {\n flex-shrink: 0;\n width: 20px; height: 20px;\n display: flex; align-items: center; justify-content: center;\n color: var(--fb-g500);\n transition: transform 0.2s;\n }\n .faq-item.open .faq-chevron { transform: rotate(180deg); color: var(--fb-black); }\n .faq-a {\n display: none;\n padding: 0 0 18px;\n font-size: 14px;\n color: var(--fb-g600);\n line-height: 1.7;\n }\n .faq-item.open .faq-a { display: block; }\n .faq-note {\n margin-top: 10px;\n padding-left: 12px;\n border-left: 2px solid var(--fb-g300);\n font-size: 12px;\n color: var(--fb-g500);\n line-height: 1.6;\n }\n\n \/* \u2500\u2500 Legal \u2500\u2500 *\/\n .legal {\n padding: 28px 24px;\n background: var(--fb-g50);\n border-top: 1px solid var(--fb-g200);\n }\n .legal p { font-size: 11px; color: var(--fb-g500); line-height: 1.7; max-width: 1060px; margin: 0 auto; }\n\n \/* \u2500\u2500 Form confirm note \u2500\u2500 *\/\n .form-confirm-note {\n display: flex;\n align-items: flex-start;\n gap: 7px;\n font-size: 12px;\n color: var(--fb-g600);\n margin-top: 12px;\n line-height: 1.5;\n }\n .form-confirm-note span { color: #00C978; font-weight: 700; flex-shrink: 0; }\n\n \/* \u2500\u2500 Hero callout \u2500\u2500 *\/\n .hero-callout {\n margin-top: 28px;\n padding-top: 24px;\n border-top: 1px solid var(--fb-g200);\n }\n .hero-callout-label {\n font-size: 15px;\n font-weight: 600;\n color: var(--fb-g600);\n line-height: 1.5;\n }\n\n \/* \u2500\u2500 Responsive \u2500\u2500 *\/\n @media (max-width: 820px) {\n .hero-section { padding: 32px 20px 36px; }\n .hero { grid-template-columns: 1fr; gap: 24px; }\n .hero-img-wrap { min-height: 260px; height: 260px; order: -1; }\n .form-card { max-width: 480px; }\n .calc-fields { grid-template-columns: 1fr; }\n .ira-grid { grid-template-columns: 1fr; }\n .steps { grid-template-columns: 1fr; gap: 12px; }\n .test-grid { grid-template-columns: 1fr; gap: 12px; }\n .rollover-card { flex-direction: column; align-items: flex-start; }\n .video-grid { grid-template-columns: 1fr !important; }\n .video-embed { max-width: 320px; margin: 0 auto; }\n }\n<\/style>\n<\/head>\n<body>\n\n<!-- Nav -->\n<nav class=\"nav\">\n <span class=\"nav-logo\">\n <svg viewBox=\"0 0 507.12 73.41\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"height:28px;width:auto;\"><defs><style>.cls-1{fill:#00d978;}.cls-2{fill:#0092ea;}.cls-3{fill:#00001b;}.cls-4{fill:#ffce39;}.cls-5{fill:#ff3797;}<\/style><\/defs><g><path class=\"cls-4\" d=\"M7.85,26.85h10.16V7.85c0-4.34-3.52-7.85-7.85-7.85h-2.3C3.52,0,0,3.52,0,7.85v26.85c0-4.34,3.52-7.85,7.85-7.85Z\"\/><path class=\"cls-4\" d=\"M0,37.01v26.85c0,4.34,3.52,7.85,7.85,7.85h2.3c4.34,0,7.85-3.52,7.85-7.85v-18.99H7.85c-4.34,0-7.85-3.52-7.85-7.85Z\"\/><rect class=\"cls-1\" x=\"18.01\" y=\"26.85\" width=\"27.04\" height=\"18.01\"\/><path class=\"cls-2\" d=\"M7.85,26.85c-4.34,0-7.85,3.52-7.85,7.85v2.3c0,4.34,3.52,7.85,7.85,7.85h10.16V26.85H7.85Z\"\/><path class=\"cls-5\" d=\"M55.22,0h-2.3c-4.34,0-7.85,3.52-7.85,7.85V26.85h10.16c4.34,0,7.85,3.52,7.85,7.85V7.85c0-4.34-3.52-7.85-7.85-7.85Z\"\/><path class=\"cls-5\" d=\"M55.22,44.86h-10.16v18.99c0,4.34,3.52,7.85,7.85,7.85h2.3c4.34,0,7.85-3.52,7.85-7.85v-26.85c0,4.34-3.52,7.85-7.85,7.85Z\"\/><path class=\"cls-3\" d=\"M55.22,26.85h-10.16v18.01h10.16c4.34,0,7.85-3.52,7.85-7.85v-2.3c0-4.34-3.52-7.85-7.85-7.85Z\"\/><g><path d=\"M90.21,0h38.94V12.71h-23.9V29.28h23.69v12.51h-23.69v30h-15.05V0Z\"\/><path d=\"M135.97,7.73c0-4.27,3.25-7.42,7.93-7.42s7.73,3.15,7.73,7.42-3.25,7.42-7.73,7.42-7.93-3.15-7.93-7.42Zm.81,13.73h14.03v50.33h-14.03V21.46Z\"\/><path d=\"M208.57,40.06v31.72h-14.03v-28.78c0-7.93-3.25-11.29-9.66-11.29s-10.47,3.97-10.47,11.8v28.27h-14.03V21.46h14.03v6.1c3.46-4.88,8.54-7.52,15.56-7.52,11.79,0,18.61,6.91,18.61,20.03Z\"\/><path d=\"M265.82,40.06v31.72h-14.03v-28.78c0-7.93-3.25-11.29-9.66-11.29s-10.47,3.97-10.47,11.8v28.27h-14.03V0h14.03V27.56c3.46-4.88,8.54-7.52,15.56-7.52,11.79,0,18.61,6.91,18.61,20.03Z\"\/><path 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d=\"M383.77,46.67c0,5.49-1.02,10.17-2.75,14.13-3.46,7.73-10.37,12.3-20.03,12.3-7.02,0-12.51-2.44-16.17-7.42v6.1h-13.73V0h14.03V27.15c3.66-4.78,9.05-7.12,15.86-7.12,9.66,0,16.57,4.68,20.03,12.4,1.73,3.86,2.75,8.64,2.75,14.24Zm-15.05,0c0-3.86-.51-6.61-1.42-8.74-1.83-4.07-5.59-6.2-10.57-6.2-7.32,0-11.69,4.78-11.69,13.52v2.75c0,8.74,4.37,13.52,11.69,13.52,4.98,0,8.74-2.14,10.57-6.1,.91-2.24,1.42-4.98,1.42-8.74Z\"\/><path d=\"M390.17,7.73c0-4.27,3.25-7.42,7.93-7.42s7.73,3.15,7.73,7.42-3.25,7.42-7.73,7.42-7.93-3.15-7.93-7.42Zm.81,13.73h14.03v50.33h-14.03V21.46Z\"\/><path d=\"M418.34,55.82v-23.08h-7.22v-11.29h7.22V9.46h14.03v12h13.02v11.29h-13.02v20.64c0,5.59,2.34,7.73,7.02,7.73,1.63,0,3.66-.2,5.69-.71v11.18c-3.25,.61-6.91,1.12-10.27,1.12-11.49,0-16.47-4.78-16.47-16.88Z\"\/><path d=\"M450.78,63.45c-1.02-2.44-1.53-5.19-1.53-8.34h13.83c0,1.83,.2,3.25,.81,4.47,1.22,2.64,3.76,4.07,7.83,4.07,3.66,0,6.2-1.02,7.22-3.25,.3-.61,.51-1.32,.51-2.14,0-.92-.2-1.73-.51-2.34-1.32-2.95-5.39-3.76-11.69-5.19-6.2-1.53-12.61-3.97-15.15-9.56-.71-1.73-1.02-3.36-1.02-5.69s.41-4.37,1.22-6.3c2.75-6,10.07-9.15,19.22-9.15s16.27,2.95,19.22,9.15c.91,2.03,1.42,4.47,1.42,7.22h-13.42c0-1.53-.3-2.75-.71-3.76-1.12-2.34-3.56-3.46-6.71-3.46s-5.39,.92-6.2,2.75c-.3,.51-.41,1.22-.41,1.93s.1,1.42,.41,1.83c1.42,3.05,6.61,4.17,11.8,5.39,7.12,1.83,13.42,4.17,16.07,9.96,.81,1.73,1.12,3.56,1.12,5.8,0,2.64-.41,4.78-1.32,6.81-3.05,6.71-11.39,9.76-21.25,9.76-10.37,0-17.69-3.25-20.74-9.96Z\"\/><\/g><\/g><\/svg>\n <\/span>\n<\/nav>\n\n<!-- Hero -->\n<section class=\"hero-section\">\n<div class=\"hero\">\n\n <!-- Left: copy + form -->\n <div>\n <div class=\"hero-badge\">Jubilaci\u00f3n \u2014 IRA<\/div>\n <h1>Pon a tu dinero a trabajar para tu retiro.<br><strong>Empieza tu IRA hoy.<\/strong><\/h1>\n <p class=\"hero-sub\">Sin montos m\u00ednimos. Sin complicaciones. En tu idioma.<\/p>\n\n <!-- Form Card -->\n <div class=\"form-card\" style=\"margin-top:24px;\">\n <div class=\"field\">\n <label for=\"fname\">Nombre<\/label>\n <input type=\"text\" id=\"fname\" placeholder=\"Tu nombre\">\n <\/div>\n <div class=\"field\">\n <label for=\"email\">Correo electr\u00f3nico<\/label>\n <input type=\"email\" id=\"email\" placeholder=\"tu@ejemplo.com\">\n <\/div>\n <button class=\"btn-primary\" onclick=\"handleSubmit(event)\">Abre tu IRA<\/button>\n <div class=\"form-confirm-note\">\n <span>\u2713<\/span>\n <span style=\"color:var(--fb-g600);\">Pr\u00f3ximo paso: crea tu contrase\u00f1a \u2014 toma solo minutos.<\/span>\n <\/div>\n <div class=\"form-disclaimer\" style=\"margin-top:10px;\">Aplican <a href=\"https:\/\/www.finhabits.com\/terms\/\">T&C<\/a>. Consulta nuestra <a href=\"https:\/\/www.finhabits.com\/privacy-policy\/\">Pol\u00edtica de Privacidad<\/a>. Al continuar aceptas recibir correos de Finhabits.<\/div>\n <\/div>\n <\/div>\n\n <!-- Right: image -->\n <div class=\"hero-img-wrap\">\n <img decoding=\"async\" src=\"https:\/\/www.finhabits.com\/wp-content\/uploads\/2026\/05\/Pareja-Latina-Retiro.png\" alt=\"Pareja latina planificando su retiro con Finhabits\" class=\"hero-img\">\n <\/div>\n\n<\/div>\n<\/section>\n\n<!-- Features strip -->\n<section style=\"background:var(--fb-white);border-top:1px solid var(--fb-g200);border-bottom:1px solid var(--fb-g200);padding:32px 24px;\">\n <div style=\"max-width:1060px;margin:0 auto;\">\n <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:0;\">\n <div style=\"display:flex;flex-direction:column;align-items:center;text-align:center;padding:0 20px;position:relative;\">\n <div class=\"vc-dot\" style=\"width:36px;height:36px;margin-bottom:10px;flex-shrink:0;\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00001B\" stroke-width=\"3\" stroke-linecap=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/div>\n <span style=\"font-size:14px;font-weight:600;color:var(--fb-black);line-height:1.4;\">Roth IRA o IRA Tradicional<\/span>\n <span style=\"font-size:13px;color:var(--fb-g600);margin-top:3px;\">Elige seg\u00fan tu situaci\u00f3n fiscal<\/span>\n <span style=\"position:absolute;right:0;top:4px;width:1px;height:36px;background:var(--fb-g200);\"><\/span>\n <\/div>\n <div style=\"display:flex;flex-direction:column;align-items:center;text-align:center;padding:0 20px;position:relative;\">\n <div class=\"vc-dot\" style=\"width:36px;height:36px;margin-bottom:10px;flex-shrink:0;\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00001B\" stroke-width=\"3\" stroke-linecap=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/div>\n <span style=\"font-size:14px;font-weight:600;color:var(--fb-black);line-height:1.4;\">Emma, tu gu\u00eda financiera virtual<\/span>\n <span style=\"font-size:13px;color:var(--fb-g600);margin-top:3px;\">Disponible 24\/7 en tu app<\/span>\n <span style=\"position:absolute;right:0;top:4px;width:1px;height:36px;background:var(--fb-g200);\"><\/span>\n <\/div>\n <div style=\"display:flex;flex-direction:column;align-items:center;text-align:center;padding:0 20px;\">\n <div class=\"vc-dot\" style=\"width:36px;height:36px;margin-bottom:10px;flex-shrink:0;\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00001B\" stroke-width=\"3\" stroke-linecap=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/div>\n <span style=\"font-size:14px;font-weight:600;color:var(--fb-black);line-height:1.4;\">Portafolios diversificados<\/span>\n <span style=\"font-size:13px;color:var(--fb-g600);margin-top:3px;\">Manejados por expertos<\/span>\n <\/div>\n <\/div>\n <div style=\"margin-top:20px;display:flex;justify-content:center;gap:24px;flex-wrap:wrap;\">\n <div class=\"trust-pill\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" style=\"width:13px;height:13px;opacity:.35;\"><path d=\"M12 2L3 7v5c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V7l-9-5z\"\/><\/svg>Registrado en la SEC<\/div>\n <div class=\"trust-pill\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" style=\"width:13px;height:13px;opacity:.35;\"><path d=\"M12 1L3 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-9-4z\"\/><\/svg>Protegido por SIPC<\/div>\n <div class=\"trust-pill\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" style=\"width:13px;height:13px;opacity:.35;\"><path d=\"M12 22c-4.97 0-9-4.03-9-9s4.03-9 9-9 9 4.03 9 9-4.03 9-9 9zm0-16c-3.86 0-7 3.14-7 7s3.14 7 7 7 7-3.14 7-7-3.14-7-7-7z\"\/><\/svg>SSN o ITIN aceptado<\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- Proof -->\n<section class=\"proof\">\n <div class=\"proof-inner\">\n <p class=\"proof-text\">Hemos ayudado a m\u00e1s de 900,000 personas a aprender mejores h\u00e1bitos financieros. Nuestros clientes han invertido m\u00e1s de $400 millones en Finhabits. \u00a1Estamos listos para ayudarte a ti tambi\u00e9n!<\/p>\n <div class=\"proof-rating\">\n <span class=\"proof-rating-num\">4.6<\/span>\n <span class=\"proof-stars\">\u2605\u2605\u2605\u2605\u2606<\/span>\n <span class=\"proof-rating-label\">App Store rating<\/span>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- Calculator -->\n<section class=\"calc-section\">\n <div class=\"calc-inner\">\n <div class=\"section-label\">Tu plan de retiro<\/div>\n <h2>\u00bfVas en camino hacia el <strong>retiro que quieres?<\/strong><\/h2>\n <p class=\"calc-subtitle\">Responde unas preguntas y te mostramos c\u00f3mo podr\u00eda crecer tu dinero a los 67 a\u00f1os:<\/p>\n <div class=\"calc-fields\">\n <div class=\"calc-field\">\n <label>Tu edad actual<\/label>\n <input type=\"number\" id=\"c-age\" placeholder=\"ej. 38\" min=\"18\" max=\"65\">\n <\/div>\n <div class=\"calc-field\">\n <label>Ahorros para retiro<\/label>\n <div class=\"calc-input-wrap\">\n <span>$<\/span>\n <input type=\"number\" id=\"c-sav\" placeholder=\"ej. 15,000\" min=\"0\" class=\"has-prefix\">\n <\/div>\n <\/div>\n <div class=\"calc-field\">\n <label>Aportaci\u00f3n mensual<\/label>\n <div class=\"calc-input-wrap\">\n <span>$<\/span>\n <input type=\"number\" id=\"c-mo\" placeholder=\"ej. 200\" min=\"0\" class=\"has-prefix\">\n <\/div>\n <\/div>\n <\/div>\n <button class=\"btn-calc\" onclick=\"runCalc()\">Ver mi proyecci\u00f3n<\/button>\n <div class=\"calc-result\" id=\"calc-result\">\n <div class=\"result-amount\" id=\"result-amount\"><\/div>\n <div class=\"result-label\">proyectados a los 67 a\u00f1os<\/div>\n <a href=\"https:\/\/app.finhabits.com\/signup\/register.html?language=es&utm_source=website&utm_medium=landing-page&utm_campaign=Retirement&utm_term=Retirement&utm_content=es\" class=\"btn-result\" style=\"margin-top:20px;display:inline-block;\" target=\"_blank\">Empieza tu IRA con Finhabits<\/a>\n <p class=\"calc-disclaimer\">Este es un ejemplo ilustrativo con fines informativos \u00fanicamente. Se asume una tasa nominal anual del 7% capitalizada mensualmente, constante durante todo el per\u00edodo. El rendimiento real puede variar seg\u00fan las condiciones del mercado y no est\u00e1 garantizado. Las implicaciones fiscales dependen de tu situaci\u00f3n personal. Consulta con un profesional de impuestos o visita el sitio del IRS antes de tomar decisiones.<\/p>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- IRA Comparison -->\n<section class=\"ira-section\">\n <div style=\"max-width:860px;margin:0 auto;\">\n <div class=\"section-label\">Tus opciones<\/div>\n <h2>Roth o Tradicional \u2014 <strong>\u00bfcu\u00e1l te conviene?<\/strong><\/h2>\n <p class=\"ira-subtitle\">Ambas son buenas opciones. La mejor depende de tu situaci\u00f3n fiscal actual y futura.<\/p>\n <div class=\"ira-grid\">\n <div class=\"ira-card\">\n <div class=\"ira-tag\">IRA Tradicional<\/div>\n <h3>Pagas menos impuestos hoy<\/h3>\n <p class=\"ira-card-sub\">Ideal si quieres una deducci\u00f3n fiscal este a\u00f1o<\/p>\n <div class=\"ira-row\"><span class=\"ira-key\">Beneficio<\/span><span class=\"ira-val\">Deduces hoy, pagas impuestos al retirar<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">L\u00edmite 2026<\/span><span class=\"ira-val\">$7,500 ($8,500 si tienes 50+)<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">Ingresos<\/span><span class=\"ira-val\">Sin l\u00edmite; deducci\u00f3n depende de ingresos y plan laboral<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">Retiros<\/span><span class=\"ira-val\">Desde los 59\u00bd sin penalidad<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">RMD<\/span><span class=\"ira-val\">S\u00ed, desde los 73<\/span><\/div>\n <\/div>\n <div class=\"ira-card featured\">\n <div class=\"ira-tag\">Roth IRA<\/div>\n <h3>Retiros libres de impuestos<\/h3>\n <p class=\"ira-card-sub\">Ideal si esperas pagar m\u00e1s impuestos en el futuro<\/p>\n <div class=\"ira-row\"><span class=\"ira-key\">Beneficio<\/span><span class=\"ira-val\">No deduces hoy, retiros libres de impuestos<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">L\u00edmite 2026<\/span><span class=\"ira-val\">$7,500 ($8,500 si tienes 50+)<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">Ingresos<\/span><span class=\"ira-val\">Elegibilidad seg\u00fan ingresos: ~$165K soltero \/ ~$246K casado<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">Retiros<\/span><span class=\"ira-val\">Aportes: cuando quieras. Ganancias: 59\u00bd + 5 a\u00f1os de cuenta<\/span><\/div>\n <div class=\"ira-row\"><span class=\"ira-key\">RMD<\/span><span class=\"ira-val\">No \u2014 sin distribuciones m\u00ednimas obligatorias<\/span><\/div>\n <\/div>\n <\/div>\n <p class=\"ira-note\">Las reglas fiscales pueden variar seg\u00fan tu situaci\u00f3n. Consulta con un profesional de impuestos y la p\u00e1gina del IRS para entender tu caso particular antes de decidir.<\/p>\n <\/div>\n<\/section>\n\n<!-- Rollover -->\n<section style=\"padding:0 24px 60px;background:var(--fb-g50);\">\n <div style=\"max-width:860px;margin:0 auto;\">\n <div class=\"rollover-card\">\n <div>\n <div class=\"rollover-tag\">\u00bfTienes un 401(k) de un trabajo anterior?<\/div>\n <h3>Puedes transferirlo a una IRA<\/h3>\n <p>Si cambiaste de trabajo o tienes un 401(k) anterior, podr\u00edas moverlo a una IRA y mantener tu dinero creciendo en un solo lugar.<\/p>\n <\/div>\n <a href=\"https:\/\/app.finhabits.com\/signup\/register.html?language=es&utm_source=website&utm_medium=landing-page&utm_campaign=Retirement&utm_term=Retirement&utm_content=es\" class=\"btn-rollover\">Empieza tu rollover hoy<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- How It Works -->\n<section>\n <div class=\"how\">\n <div class=\"section-label\">C\u00f3mo funciona<\/div>\n <h2>Empezar puede ser m\u00e1s sencillo de lo que crees<\/h2>\n <div class=\"steps\">\n <div class=\"step\">\n <div class=\"step-n\">1<\/div>\n <h3>Crea tu cuenta<\/h3>\n <p>Reg\u00edstrate en Finhabits. El proceso puede tomar unos minutos, dependiendo de la verificaci\u00f3n de identidad.<\/p>\n <\/div>\n <div class=\"step\">\n <div class=\"step-n\">2<\/div>\n <h3>Elige tu IRA<\/h3>\n <p>Roth o Tradicional seg\u00fan tu situaci\u00f3n fiscal. Si tienes dudas, Emma puede orientarte antes de que decidas.<\/p>\n <\/div>\n <div class=\"step\">\n <div class=\"step-n\">3<\/div>\n <h3>Automatiza tus aportes<\/h3>\n <p>Define cu\u00e1nto aportar cada mes. La automatizaci\u00f3n hace el trabajo para que t\u00fa solo mantengas el h\u00e1bito.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- Testimonials -->\n<section class=\"test\">\n <div class=\"test-inner\">\n <div class=\"test-label\">Lo que dicen nuestros miembros<\/div>\n <div class=\"test-grid\">\n <div class=\"tc\">\n <div class=\"tc-stars\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n <div class=\"tc-q\">\"Finhabits es una forma de c\u00f3mo hacer crecer tu dinero, de c\u00f3mo aprender a invertir tu dinero.\"<\/div>\n <div class=\"tc-name\">Myriam C.<\/div>\n <div class=\"tc-meta\">Miembro de Finhabits<\/div>\n <\/div>\n <div class=\"tc\">\n <div class=\"tc-stars\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n <div class=\"tc-q\">\"Atr\u00e9vase, no se va a decepcionar con Finhabits. Ese ser\u00eda mi mensaje.\"<\/div>\n <div class=\"tc-name\">Jos\u00e9 P.<\/div>\n <div class=\"tc-meta\">Miembro de Finhabits<\/div>\n <\/div>\n <div class=\"tc\">\n <div class=\"tc-stars\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><svg viewBox=\"0 0 24 24\"><path d=\"M12 2l3.09 6.26L22 9.27l-5 4.87 1.18 6.88L12 17.77l-6.18 3.25L7 14.14 2 9.27l6.91-1.01L12 2z\"\/><\/svg><\/div>\n <div class=\"tc-q\">\"Si se puede lograr metas siempre y cuando vayamos creando el h\u00e1bito de ahorro, que vayamos creando ese h\u00e1bito, y que mientras m\u00e1s pronto lo iniciemos, as\u00ed va a ser la seguridad de que podamos alcanzar nuestro objetivo.\"<\/div>\n <div class=\"tc-name\">Olga G.<\/div>\n <div class=\"tc-meta\">Miembro de Finhabits<\/div>\n <\/div>\n <\/div>\n <div class=\"test-disc\">Los testimonios presentados son de personas que eran usuarios de Finhabits al momento de compartir sus comentarios. No fueron compensados por sus opiniones. Las experiencias descritas no necesariamente reflejan las de todos los usuarios y no son garant\u00eda de resultados futuros.<\/div>\n <\/div>\n<\/section>\n\n<!-- FAQ -->\n<section class=\"faq-section\">\n <div class=\"section-label\">Preguntas frecuentes<\/div>\n <h2>Lo que m\u00e1s nos preguntan<\/h2>\n <div class=\"faq-list\">\n <div class=\"faq-item\">\n <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n \u00bfPuedo abrir una IRA con ITIN, sin Social Security?\n <span class=\"faq-chevron\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" width=\"16\" height=\"16\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg><\/span>\n <\/div>\n <div class=\"faq-a\">\n En muchos casos, dependiendo de la instituci\u00f3n, es posible abrir una IRA con ITIN si tienes ingresos reportados al IRS. Los requisitos pueden variar.\n <div class=\"faq-note\">Las reglas fiscales pueden variar seg\u00fan tu situaci\u00f3n. Consulta el sitio del IRS o un profesional de impuestos.<\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n \u00bfPuedo tener una IRA y un 401(k) al mismo tiempo?\n <span class=\"faq-chevron\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" width=\"16\" height=\"16\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg><\/span>\n <\/div>\n <div class=\"faq-a\">\n S\u00ed, en muchos casos puedes tener ambas cuentas. Tener un 401(k) puede afectar la deducibilidad de una IRA Tradicional seg\u00fan tus ingresos.\n <div class=\"faq-note\">Consulta con un profesional de impuestos para tu situaci\u00f3n espec\u00edfica.<\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n \u00bfCu\u00e1nto puedo aportar a mi IRA en 2026?\n <span class=\"faq-chevron\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" width=\"16\" height=\"16\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg><\/span>\n <\/div>\n <div class=\"faq-a\">\n El l\u00edmite de aportaci\u00f3n para 2026 es de $7,500 anuales, o $8,500 si tienes 50 a\u00f1os o m\u00e1s (catch-up). Para la Roth IRA, tu elegibilidad depende de tus ingresos: aproximadamente $165,000 si eres soltero o $246,000 si est\u00e1s casado.\n <div class=\"faq-note\">Los l\u00edmites y requisitos pueden variar. Consulta el sitio del IRS.<\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n \u00bfQu\u00e9 pasa si necesito retirar dinero antes de los 59\u00bd?\n <span class=\"faq-chevron\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" width=\"16\" height=\"16\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg><\/span>\n <\/div>\n <div class=\"faq-a\">\n En general, retirar antes de los 59\u00bd puede implicar una penalidad del 10% m\u00e1s impuestos sobre el monto retirado. En una Roth IRA, en muchos casos puedes retirar tus aportes originales sin penalidad. Existen excepciones limitadas.\n <div class=\"faq-note\">Las reglas pueden variar seg\u00fan tu situaci\u00f3n. Consulta el sitio del IRS antes de tomar esta decisi\u00f3n.<\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n \u00bfRoth o Tradicional, cu\u00e1l me conviene m\u00e1s?\n <span class=\"faq-chevron\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" width=\"16\" height=\"16\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg><\/span>\n <\/div>\n <div class=\"faq-a\">\n Depende principalmente de si esperas estar en una categor\u00eda fiscal m\u00e1s alta hoy o en el futuro. Emma puede orientarte, y un profesional de impuestos puede ayudarte con tu caso espec\u00edfico.\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- Legal -->\n<div class=\"legal\">\n <p>El servicio de asesoramiento de inversiones es ofrecido por Finhabits Advisors LLC (\"Finhabits\"), un asesor de inversiones registrado en la SEC. El registro no implica un cierto nivel de habilidad o entrenamiento. El rendimiento pasado no es garant\u00eda de resultados o rendimientos futuros. Todas las inversiones implican riesgo y pueden resultar en la p\u00e9rdida de capital. Todas las im\u00e1genes para fines ilustrativos. Las personas mostradas son actores o portavoces que han recibido compensaci\u00f3n y no clientes de Finhabits a menos que se haya indicado. Cualquier testimonio sobre los servicios de asesoramiento es representativo de la opini\u00f3n del cliente en el momento en que se proporcion\u00f3. Los valores son ofrecidos por Apex Clearing Corporation, miembro de FINRA y SIPC. Los valores en su cuenta est\u00e1n protegidos hasta $500,000. Ver <a href=\"https:\/\/www.sipc.org\" style=\"color:var(--fb-g500);\">SIPC.org<\/a> para m\u00e1s detalles. Al utilizar este servicio y sitio web, aceptas nuestros T\u00e9rminos de uso y Pol\u00edtica de privacidad. Una persona solo se convertir\u00e1 en cliente de Finhabits cuando haya firmado el contrato de asesoramiento de Finhabits, y haya reconocido haber recibido todas las divulgaciones de Finhabits. Los ETFs (Exchange Traded Funds) son proporcionados por Vanguard y iShares, marcas registradas de Vanguard Group Inc. y Blackrock Inc.<\/p>\n <p style=\"margin-top:10px;\">El servicio de seguros es ofrecido por Finhabits Insurance Services LLC, una agencia registrada con licencias en ciertos estados. Licencia de California 6001946. Ver licencias para m\u00e1s detalles. En todos los dem\u00e1s estados, Finhabits Inc. ofrece la informaci\u00f3n solo con fines educativos. Toda la informaci\u00f3n en este documento, as\u00ed como cualquier comunicaci\u00f3n en las redes sociales no es una oferta de seguros en ning\u00fan lugar excepto en los estados con licencias. Finhabits Advisors LLC no es fiduciario en relaci\u00f3n a los productos o servicios de Finhabits Insurance Services LLC.<\/p>\n <p style=\"margin-top:10px;\">Antes de hacer una transferencia rollover de una cuenta de jubilaci\u00f3n, debes considerar cuidadosamente tu situaci\u00f3n y preferencias personales. Esta informaci\u00f3n se proporciona con fines informativos y no pretende ser una recomendaci\u00f3n individualizada. Los factores que debes considerar al evaluar una posible transferencia incluyen: opciones de inversi\u00f3n, tarifas y gastos, servicios, multas por retiro, protecciones de acreedores y juicios legales, distribuciones m\u00ednimas requeridas y tratamiento de las acciones del empleador. Antes de decidirse a hacer un rollover, debes investigar los detalles de tu cuenta de jubilaci\u00f3n actual y consultar a asesores fiscales y de otro tipo si tienes alguna pregunta sobre tu situaci\u00f3n personal. Finhabits no proporciona asesoramiento fiscal. Por favor, consulta con un profesional de impuestos.<\/p>\n <p style=\"margin-top:10px;\">Google Play y el logotipo de Google Play son marcas comerciales de Google, Inc. Apple, el logotipo de Apple y iPhone son marcas comerciales de Apple, Inc., registradas en los Estados Unidos. Las calificaciones en el Apple App Store se basan en las opiniones de los usuarios enviadas de acuerdo con los t\u00e9rminos de uso aplicables del Apple App Store y est\u00e1n sujetas a cambios. El Apple App Store no utiliza cuestionarios ni encuestas, y las calificaciones no est\u00e1n dise\u00f1adas para producir un resultado predeterminado. Los usuarios pueden enviar calificaciones y comentarios escritos basados en su experiencia con la aplicaci\u00f3n de Finhabits, los cuales pueden o no reflejar su experiencia con los productos o servicios de asesor\u00eda de inversiones provistos por Finhabits Advisers. Las calificaciones reportadas corresponden al 13 de agosto de 2025. Las calificaciones son recopiladas de manera independiente por Apple Inc., que recibe compensaci\u00f3n por alojar nuestra aplicaci\u00f3n pero no por recopilar ni compilar las calificaciones reportadas.<\/p>\n <p style=\"margin-top:10px;\">Copyright \u00a9 2026 Finhabits Inc. Todos los derechos reservados.<\/p>\n<\/div>\n\n<!-- Customer.io Snippet -->\n<script type=\"text\/javascript\">\n var _cio = _cio || [];\n (function() {\n var a,b,c;a=function(f){return function(){_cio.push([f].concat(Array.prototype.slice.call(arguments,0)))}};\n b=[\"load\",\"identify\",\"sidentify\",\"track\",\"page\",\"on\",\"off\"];\n for(c=0;c<b.length;c++){_cio[b[c]]=a(b[c])};\n var t = document.createElement('script'),\n s = document.getElementsByTagName('script')[0];\n t.async = true;\n t.id = 'cio-tracker';\n t.setAttribute('data-site-id', 'd5683360cca5518c48a4');\n t.setAttribute('data-use-array-params', 'true');\n t.setAttribute('data-auto-track-page', 'true');\n t.src = 'https:\/\/assets.customer.io\/assets\/track.js';\n s.parentNode.insertBefore(t, s);\n })();\n<\/script>\n\n<script>\n \/\/ Hero form submit\n function handleSubmit(e) {\n e.preventDefault();\n var fname = document.getElementById('fname').value.trim();\n var email = document.getElementById('email').value.trim();\n if (!email) { alert('Por favor ingresa tu correo electr\u00f3nico.'); return; }\n\n \/\/ 1. Identify in Customer.io\n var identifyData = {\n id: email,\n email: email,\n first_name: fname,\n created_at: Math.floor(Date.now() \/ 1000),\n source: 'retirement_lp_es',\n language: 'es'\n };\n _cio.identify(identifyData);\n\n \/\/ 2. Track form submission event\n _cio.track('register_landing', {\n first_name: fname,\n email: email,\n landing_page: 'retirement_es'\n });\n\n \/\/ 3. Redirect to signup with pre-filled params\n var _baseUrl = 'https:\/\/app.finhabits.com\/signup\/register.html?language=es&utm_source=website&utm_medium=landing-page&utm_campaign=Retirement&utm_term=Retirement&utm_content=es';\n window.location.href = _baseUrl + '&fname=' + encodeURIComponent(fname) + '&email=' + encodeURIComponent(email);\n }\n\n \/\/ Retirement calculator\n function runCalc() {\n var age = parseFloat(document.getElementById('c-age').value);\n var sav = parseFloat(document.getElementById('c-sav').value) || 0;\n var mo = parseFloat(document.getElementById('c-mo').value) || 0;\n if (!age || age < 18 || age > 65) {\n alert('Por favor ingresa tu edad entre 18 y 65.');\n return;\n }\n var yrs = Math.max(67 - age, 0);\n var mths = yrs * 12;\n var r = 0.07 \/ 12;\n var proj = sav;\n if (mths > 0) {\n proj = sav * Math.pow(1 + r, mths) + mo * ((Math.pow(1 + r, mths) - 1) \/ r);\n }\n proj = Math.round(proj);\n\n var fmt = new Intl.NumberFormat('es-US', { style: 'currency', currency: 'USD', maximumFractionDigits: 0 });\n document.getElementById('result-amount').textContent = fmt.format(proj);\n\n var el = document.getElementById('calc-result');\n el.classList.add('show');\n el.scrollIntoView({ behavior: 'smooth', block: 'nearest' });\n }\n\n \/\/ FAQ accordion\n function toggleFaq(el) {\n el.parentElement.classList.toggle('open');\n }\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2d89d2 e-flex e-con-boxed e-con e-parent\" data-id=\"d2d89d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d2f0f4 elementor-widget elementor-widget-spacer\" data-id=\"9d2f0f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>    Jubilaci\u00f3n \u2014 IRA Pon a tu dinero a trabajar para tu retiro. Empieza tu IRA hoy. Sin montos m\u00ednimos. Sin complicaciones. En tu idioma. Nombre Correo electr\u00f3nico Abre tu IRA \u2713 Pr\u00f3ximo paso: crea tu contrase\u00f1a \u2014 toma solo minutos. Aplican T&C. Consulta nuestra Pol\u00edtica de Privacidad. Al continuar aceptas recibir correos de […]<\/p>\n","protected":false},"author":15,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-37709","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Landing Page Retirement Espa\u00f1ol - Finhabits<\/title>\n<meta name=\"description\" content=\"    Jubilaci\u00f3n \u2014 IRA Pon a tu dinero a trabajar para tu retiro. Empieza tu IRA hoy. Sin montos m\u00ednimos. Sin complicaciones. En tu idioma. Nombre\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Landing Page Retirement Espa\u00f1ol\" \/>\n<meta property=\"og:description\" content=\"    Jubilaci\u00f3n \u2014 IRA Pon a tu dinero a trabajar para tu retiro. Empieza tu IRA hoy. Sin montos m\u00ednimos. Sin complicaciones. En tu idioma. 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