CHICAGOLATINA
ERIKA VILLEGAS
PRESIDENT OF THE CHICAGO ASSOCIATION OF REALTORS
PHOTO
Volume 3 Issue 2
12 CREATING GENERATIONAL WEALTH THROUGH HOMEOWNERSHIP
15 DISCOVER HOW THE JOURNEY STARTED FOR WROUGHT IRON GATE REPAIR IN CHICAGO.
21 LEADERS IN THE REAL ESTATE INDUSTRY
30 LATINAS MAKING THEIR MARK
34 EMPOWER YOUR BUSINESS WITH EVOLVE HER LEADERSHIP CONSULTING
36 LEADING WITH AUDACITY A LATINAS PATH TO UNAPOLOGETIC SUCCESS
BUON APPETITO CHICAGO
For nearly half a century, Rosebud Restaurant Group has defined classic Italian dining in downtown Chicago, the surrounding suburbs, and now Boca Raton, Florida.
SCAN FOR RESERVATIONS, EVENTS, AND WEEKLY SPECIALS.
Known for culinary excellence, warm hospitality, and the real red sauce experience, Rosebud is where you’re welcomed like family
Whether you're savoring a handcrafted pasta, enjoying tableside service, or indulging in happy hour, every meal feels like home.
Reserve your table today and treat yourself to a nonna-approved meal at Rosebud.
PLAN AN EVENT
CONTACT EVENTS@ROSEBUD-RESTAURANTS.COM
PARTNER WITH US
CONTACT MARKETING@ROSEBUD-RESTAURANTS.COM
NEED AN ESCAPE?
Tucked into the heart of downtown, Rosebud on Rush and Rosetta Italian are perfect spots for a casual afternoon getaway, quiet corner to close a deal or meet a client, or a bite before a show.
Enjoy a refined meal with handcrafted Italian favorites, exceptional service, and an inviting atmosphere right when you need a break.
SCAN TO RESERVE
Whether you're planning a birthday, rehearsal dinner, holiday party, or corporate gathering, Rosebud’s timeless spaces and signature service make every event from intimate celebrations to milestone moments feel special. With multiple locations across Chicago, the suburbs, and now in Boca Raton, there’s a perfect Rosebud setting waiting for you
INQUIRE ABOUT PRIVATE DINING AND GROUP RESERVATIONS
CONTACT EVENTS@ROSEBUD-RESTAURANTS.COM
CHICAGO ’ S FAVORITES RETURN !
This year, Rosebud is in bloom. Starting early this summer Rosebud Taylor Street in Little Italy, Naperville, and the iconic Carmine’s on Rush are reopening. These beloved locations are being reimagined, and are staying true to what made them local favorites; cherished Italian-American classics that have delighted guests both locals and celebrities for generations.
The Rosebud on Taylor Street’ s iconic dishes capture the soul of authentic, comforting Italian cuisine, while Carmine’s Chicago and Rosebud Naperville will also bring back their signature specialties, promising a return to the hearty, flavorful meals that have made Rosebud Restaurants a beloved part of Chicago’s dining landscape.
Be the first to dine at the new spots everyone’s been waiting for.
SCAN FOR UPDATES AND JOIN THE CELEBRATION
As we move through this challenging time, I proudly identify as the daughter of immigrants and a Latina who has come to the realization that the government is removing our men under the current Administration (reuters.com). The absence of a father in a household can profoundly impact the family, influencing everything from financial stability to the emotional and social growth of children. Please contact BIRG LAW at 833-579-9989 for immigration services. Chicago Latina has partnered with Birg Law from helping students, reuniting families through family immigration, and supporting businesses with retaining top talent by labor certification services.
Thank you to Erika Villegas for sharing her inspiring journey that has contributed to her success as a Realtor. Over the past year, Erika has guided Chicago Realtors to achieve remarkable milestones in their careers, providing them with invaluable insights and support. Her dedication as President of the Chicago Association of Realtors to nurturing a sense of community among Realtors, State Dignitaries, and Business Leaders is clearly reflected in her initiatives to establish opportunities and economic development in real estate to Chicago. Erika’s passion for empowering others is rooted in her own experiences and her dedication to giving back to the community. Her story is a testament to the power of resilience, hard work, and the importance of lifting others as we climb.
Call for volunteers! If you are interested in volunteering with Chicago Latina, please email the office at linda@chicagolatinamagazine.com.
CIAO!
L. DEL BOSQUE Editor in Chief
For many of us, especially in the Latino community, it’s the most valuable asset we’ll ever own. In recent years, Latinos have made up a significant percentage of first-time homebuyers. But now that you’ve crossed the finish line, what comes next?
We often put all our energy into saving for the down payment, qualifying for the loan, and finally getting those keys in hand. What we aren’t always prepared for are the hidden expenses of owning a home. Maintenance, repairs, upgrades, and most importantly, Insurance!
A big mistake many new homeownwners make is choosing the cheapest insurance policy.
In 2023, Illinois fire departments responded to over 1.5 million incidents, including 17,439 structure fires, which tragically resulted in over $554 million in property damage. On top of that, 1 in every 60 insured homes files a claim for water or freezing damage each year. These aren't just statistics, they’re real situations.
The average water damage repair can cost $15,000 to $30,000, while fire damage repairs can quickly exceed hundreds of thousands of dollars. And with older plumbing systems, extreme weather, and accidents on the rise, these events are becoming more common.
YOU BOUGHT YOUR HOUSE… NOW WHAT?
Buying a home is one of the biggest milestones in life. Felicidades, Raza!
The truth is, standard homeowners insurance policies don’t cover everything. Many important protections must be added as endorsements (also called riders). Here are a few coverages you probably didn’t know you needed:
1. Water Backup or Sewer Backup
Coverage
What it covers: Damage from water backing up through sewers, drains, or sump pump failures.
Why it matters: Especially in older homes or rainy areas, this is one of the most common and costly types of claims, and it's not covered under a basic policy.
2. Ordinance or Law (Code Upgrade)
Coverage
What it covers: Additional costs to bring your home up to current building codes during repairs.
Why it matters: If your home is older and not up to current code, you’ll be paying out of pocket unless you have this coverage.
3. Sump Pump Overflow Coverage
What it covers: Water damage caused by sump pump overflow or mechanical failure.
Why it matters: Heavy rains and broken sump pumps are a recipe for disaster, especially in basements.
4. Flood Insurance (Separate Policy)
What it covers: Rising water from storms, overflowing rivers, or melting snow.
Why it matters: Standard homeowners’ insurance does not cover flood damage. If you think you're not at risk, think again.
5. Mold or Pest Endorsements
What it covers: Some policies offer limited coverage for mold remediation or pest infestations.
Why it matters: Mold remediation can cost thousands and isn’t always covered under a basic policy.
6. Service Line Coverage
What it covers: Breaks in underground utility lines (like water, gas, or sewer) between the street and your home.
Why it matters: Most homeowners don’t realize they’re responsible for these lines, until they get hit with a $5,000+ repair bill.
So what should you do today?
Call your insurance agent. Ask them to walk you through your policy. Make sure you understand what’s covered, and what isn’t. Add the endorsements you need now, not when it’s too late.
Because protecting your home isn’t just about fixing what breaks, it’s about protecting your hard work, your savings, your dreams.
Chicago Latina Bride NorthShor Lifestyle
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GENERANDO RIQUEZA GENERACIONAL: EL IMPACTO DE SER PROPIETARIO DE UNA VIVIENDA EN LAS FAMILIAS LATINOS
Homeownership has long been heralded as a cornerstone of the American Dream. For many, it is more than just owning property; it is about establishing a foundation for future generations. In the context of Latino families, buying a home can be the first significant step towards building generational wealth. This article explores how homeownership can change the financial trajectory of Latino families and the broader benefits it brings to the community.
The Concept of Generational Wealth
Generational wealth refers to assets passed down from one generation to the next. These assets can include financial investments, real estate, businesses, or any valuable resources that offer economic security. For many families, homeownership is a critical component of this wealth, as property values often appreciate over time, providing financial stability and opportunities for future generations.
Homeownership Among Latino Families
For Latino families in the United States, homeownership is not just a financial investment but a means of securing a better future. As of recent data, Latinos represent one of the fastest-growing demographics in the housing market. According to the National Association of Hispanic Real Estate Professionals (NAHREP), the Latino homeownership rate has been increasing steadily, with over 8 million Latino homeowners as of 2023.
Homeownership offers Latino families several benefits:
1. Building Equity
Owning a home allows families to build equity—a valuable asset that can be leveraged for loans, education, or further investments. Unlike renting, where monthly payments go to a landlord, mortgage payments contribute to owning a tangible asset that typically increases in value over time.
2. Stability and Security
Homeownership provides a sense of stability, reducing the risk of unexpected rent increases or eviction. This stability is particularly crucial for children, as it ensures consistent access to education and community resources, which are integral to long-term success.
3. Community and Identity
Owning a home fosters a sense of belonging and pride. For many Latino families, it represents a cultural milestone, reflecting hard work and perseverance. This sense of identity and achievement can be profoundly empowering, encouraging investment in community growth and development.
4. Financial Benefits
Homeownership can lead to significant financial advantages, including tax deductions on mortgage interest and property taxes. These benefits can enhance a family's financial situation, allowing for greater savings and investment in other wealth-building opportunities.
¿Cuántos latinos se beneficiarían al ser propietarios de una vivienda?
Con aproximadamente 62 millones de latinos viviendo en Estados Unidos, el impacto potencial de un aumento en la propiedad de vivienda en esta comunidad es considerable. Si la tendencia al alza en la propiedad de vivienda continúa, millones más podrían beneficiarse de la estabilidad económica y las perspectivas de creación de riqueza que ofrece la propiedad de vivienda.
Según las proyecciones, 2 millones de hogares latinos adicionales podrían convertirse en propietarios de vivienda durante la próxima década. Este aumento no solo reforzaría el patrimonio familiar, sino que también contribuiría significativamente a la economía en general. A medida que aumentan las tasas de propiedad de vivienda, también aumenta el potencial de mayor gasto, inversión en negocios locales y mejoras en la infraestructura comunitaria.
Overcoming Barriers to Homeownership
Despite the clear benefits, many Latino families face significant barriers to homeownership, including access to credit, down payment savings, and financial literacy. Addressing these challenges requires a multifaceted approach:
Financial Education: Providing resources and education on managing finances, understanding credit, and navigating the home-buying process can empower families to make informed decisions.
Policy Support: Government policies that focus on affordable housing, down payment assistance, and fair lending practices are crucial in reducing barriers to homeownership.
Community Initiatives: Local organizations and real estate professionals can play a pivotal role by offering guidance and support tailored to the unique needs of Latino families.
Ser propietario de una vivienda es más que una simple transacción financiera; es un camino hacia la riqueza y el empoderamiento generacional. Para las familias latinos, ser propietario de una vivienda puede brindar seguridad económica, fortalecer los lazos comunitarios y dejar un legado para las generaciones futuras. Al abordar las barreras para ser propietario de una vivienda y apoyar a las familias latinas en la búsqueda de este sueño, podemos ayudar a crear un futuro más prometedor y equitativo para todos. Con esfuerzo y apoyo continuos, los beneficios de ser propietario de una vivienda pueden extenderse mucho más allá de las familias individuales, enriqueciendo a comunidades enteras y al país en su conjunto.
THE STORY OF WROUGHT IRON GATE REPAIR CHICAGO
The journey of Wrought Iron Gate Repair Chicago began with the vision of a man whose childhood was steeped in history and art. Born into a loving family in Miami, he grew up in a home filled with antiques and archaeological treasures. This rich upbringing sparked his interest in old buildings and architectural heritage.
Drawn by the allure of Chicago's historic architecture, he moved to the city, captivated by its rich history and beautiful buildings. Each day on his way to work, he admired the intricate wrought iron gates that adorned the city’s old structures. His fascination grew into a profound desire to preserve and restore these pieces of art.
Motivated by this passion, he founded Wrought Iron Gate Repair Chicago. He and his team began their journey by repairing gates on homes in Evanston, slowly building a steady clientele. As the company expanded, so did their dedication to restoring the city’s old and rusty fences, turning them into stunning works of art with ornate designs.
Wrought Iron Gate Repair Chicago is not just another company. It embodies one man's dream and the commitment of his dedicated crew to maintain the integrity, craftsmanship, and beauty of Chicago's architectural heritage. They continue to restore and build magnificent gates, bringing joy to their customers and all who appreciate the timeless beauty of old gates and fences.
Whether you're looking to have an old rusty gate repaired on Ridge Drive in Evanston or desire a new gate crafted to your specifications, Wrought Iron Gate Repair Chicago is here to help. They promise to bring a smile to your face and leave you satisfied with their impeccable craftsmanship. Wrought Iron Gate Repair Chicago is making a difference for Chicagoland, one gate at a time.
LEADING WITH PURPOSE
My journey into the world of real estate began in the mid-2000s when my husband and I made our first investments. These initial ventures sparked a fascination with the industry and prompted me to obtain my real estate license. It was during this time that I met Frank Williams, a remarkable teacher who became a mentor and friend. Frank's guidance was invaluable in that it was encouraging to me as a Realtor and becoming an advocate for both my clients and community.
The allure of real estate for Erika Villegas has always been about more than transactions; it’s about impacting lives. This industry allows her to help individuals and families find their homes, build wealth, and achieve stability. This profound sense of purpose is what drew her to real estate and continues to drive her passion every day.
Villegas shares, “Stepping into the role of President of the Chicago Association of REALTORS® felt like a natural extension of my mission to make a difference.” Villegas expresses that this was a chance to contribute to the industry that has greatly influenced her, while also motivating and inspiring the next generation of real estate professionals. To her, leadership embodies the spirit of service—advocating for equitable practices, elevating diverse voices, and making certain that our members are prepared to succeed in an ever-changing market.
Throughout Villegas’ career she has encountered both challenges and triumphs, which has shaped her leadership style to be one of resilience, adaptability, and collaboration. These experiences taught Villegas the value of empathy, integrity, and strategic vision. Villegas says, “I strive to lead by example, listen with intent, and cultivate an inclusive and innovative organizational culture.”
As a Latina in the real estate industry, one of the most significant hurdles Villegas faced was overcoming implicit bias and the underrepresentation in leadership roles. Early in her career, she often found herself as the only woman of color in the room. She emphasizes the significance of working diligently and harder to achieve the same level of credibility and trust as her colleagues. Despite these obstacles, she used these experiences as motivation to excel and open doors for others.
Villegas shares she focused on building strong relationships, delivering consistent results, and serving as a resource for clients and peers alike. Seeking mentorship and staying true to her purpose enabled her to create equitable opportunities in real estate. “I am grateful for the trailblazing Latina Realtors like Maria Castillo, Mabel Guzman, Genie Birch, Drussy Hernandez, Sonia Anaya, and Sandra Rosas, who paved the way for others and whom I am honored to call friends and mentors” says, Villegas.
During Erika’s extraordinary tenure as the President of the Chicago Association of REALTORS®, she has led numerous initiatives that have profoundly impacted both the community and the real estate sector. By collaborating with local and national leaders, Erika has led key projects, including the development of Spanish-language forms and contracts to serve the city's diverse populations. She is especially proud of introducing real estate forms in Spanish, a significant step toward equity in the industry.
At the heart of Erika's efforts lies a strong commitment to promoting diversity and inclusion. She has consistently championed policies that uplift historically underrepresented voices and has worked diligently to ensure that leadership opportunities are accessible to professionals from all backgrounds.
As she continues in her role until September 2025 and transitions to the position of immediate past president, Villages remains dedicated to collaborating with community leaders, elected officials, and organizations on issues that are important to her. Her excitement about launching a development company in Mexico stems from her desire to turn a dream into reality, along with her deep affection for the country and the relationships she has cultivated over the years.
“My aspirations for the Chicago Association of REALTORS® and my career are centered around creating a positive impact. I envision ongoing investment in leadership development for people of color, stronger mentorship networks, and enhanced transparency regarding growth opportunities. Genuine change necessitates intentional action, and as leaders, we must ensure that inclusion is not just a stated value but a culture we actively foster every day,” says Villages
ROOTED IN CICERO, FUELED BY PURPOSE: LUXE REALTY STUDIO
Linda Hernandez and Marcial Montalvo, co-founders of Luxe Realty Studio, launched their boutique real estate firm in 2019 with a mission: to do real estate with intention, rooted in love for their hometown of Cicero. As proud Latinos raised in this vibrant community, they knew they wanted to create something different a beautifully designed headquarters the town could be proud of and a brand that reflects the value and dignity of the people it serves.
“Our community deserves thoughtfully designed spaces and professionals who truly care,” says Linda. From day one, Luxe Realty Studio has been more than just a brokerage. It’s a hub of education, empowerment, and connection for those pursuing the American Dream of homeownership. Linda and Marcial understand that knowledge is power, and they make it a point to educate every client so they feel confident and informed throughout their real estate journey.
Their love for real estate runs deep. In their younger years, the couple spent weekends driving around Chicago’s neighborhoods, admiring the beauty of historic homes and dreaming of what was possible. Today, they bring that same energy to their business and their community. Whether through annual events like Mercadito by Luxe or financial literacy workshops such as Latino Wall Street, Luxe remains grounded in uplifting those around them.
Working together has been a joy. With complementary strengths and a shared passion, Linda and Marcial thrive as business and life partners. Their dream for the future is to grow Luxe with like minded individuals who believe in community, culture, and creating generational wealth.
For Linda and Marcial, this is more than real estate. It’s a movement built from love, vision, and a deep respect for the people of Cicero.
Empowering My Community Through Real Estate
As a proud Latina and the first in my family to earn a Bachelor’s degree in Business Administration, I know firsthand the power of education and opportunity. My journey has not only been about personal growth but also about giving back to the community that shaped me. Through real estate, I’ve found a unique way to empower others, offering guidance on both homeownership and financial literacy.
Real estate is more than just buying and selling homes—it’s a powerful tool for building wealth and creating generational stability. I’ve made it my mission to help families in our community navigate the often overwhelming process of purchasing their first homes. Many of us weren’t raised with conversations around property ownership or financial planning, and that’s where I step in.
I host homebuyer seminars across Chicago, partnering with local libraries, tax professionals, and even small businesses like plant stores and non-profits. These events are more than just information sessions; they’re spaces where people can ask questions, gain confidence, and see that homeownership is within their reach. By breaking down complex topics like mortgages, credit scores, and investment properties, I help demystify the process and show that financial literacy isn’t just for the wealthy— it’s for everyone.
Being a Latina in real estate means I bring a deep understanding of our community’s unique challenges and strengths. I’m passionate about bridging the gap between financial education and real estate, ensuring that more families can create wealth and secure their futures. For me, every family I help is a step toward a stronger, more empowered community.
My journey from a first-generation college graduate to a real estate professional has taught me that with the right support and knowledge, anything is possible. I’m proud to be a resource for my community and to show others that their dreams of homeownership and financial freedom are closer than they think. Together, we’re building more than homes—we’re building futures.
Passionate Advocate for Homeownership
Robert F. Alvarado, a proud Latino Top Producing Realtor, is making waves in the real estate industry with his dedication, patience, and deep commitment to helping clients achieve their dreams of homeownership. With four years of experience under his belt, Robert has already established himself as a formidable presence in the Chicago, Illinois real estate market.
Robert's journey in real estate began with a deeply personal experience: his first sale was to his sister-in-law and brother-in-law. This initial transaction set the tone for his career, highlighting his personal approach and commitment to those he serves. Specializing in both residential and commercial real estate sales, Robert brings a unique perspective to the table, understanding the nuances and demands of both markets.
What truly sets Robert apart in this competitive industry is his patience and unwavering dedication to his clients. He treats every transaction as if it were his own, ensuring that his clients receive the attention, care, and guidance they deserve throughout the home buying process.
Robert services all of Chicago and the surrounding Chicagoland Area, displaying a remarkable willingness to go wherever his clients need him. This flexibility ensures that whether you're buying or selling property in the heart of the city or its surrounding suburbs, Robert is ready to assist with expert knowledge and a personalized touch.
Robert’s passion for real estate was ignited over two decades ago when he noticed a gap in the service provided by realtors to their clients, including himself and his friends. He observed that many buyers were not receiving complete guidance or attention during their purchase process. This realization motivated him to pursue a career in real estate, with the aim of offering a superior service that clients could depend on.
Looking ahead, Robert is focused on building a successful team under The Alvarado Properties Group LLC. His goal is to empower many families to achieve their homeownership dreams. By staying ahead of industry trends and continually learning, Robert ensures that his clients receive the best possible outcomes, whether they are purchasing their first home or investing in commercial real estate.
In a world where real estate transactions can often feel impersonal, Robert F. Alvarado stands out as an advocate for his clients, committed to making each experience as fulfilling and successful as possible. As he continues to grow his business, his dedication to excellence and client satisfaction remains at the forefront of his mission.
Robert F Alvarado
The Alvarado Properties Group LLC
312-714-3345
robertsellsthedream@gmail.com
agent.realtyofamerica.com/website/robert-f-alvarado
A ForceTrailblazing in the Real Estate Industry
As the President and CEO of Northshore Title Company and Chicago Luxe Group, and the President of NAHREP (National Association of Hispanic Real Estate Professionals) Chicago, Maria Kharot has crafted a remarkable career defined by her commitment to diversity, education, and community empowerment.
Maria Kharot's career is a testament to her visionary approach to real estate. Her leadership at Northshore Title Company has transformed the firm into a trusted brand that operates on the principles of integrity and collaboration. The company's motto, “Together We Rise,” encapsulates her belief in the transformative power of homeownership and business as paths to building wealth and legacy.
At Chicago Luxe Group, Maria’s keen market insight and dedication to excellence have established the company as a premier player in the luxury real estate market. Her team is renowned for providing white-glove service to high-end buyers, sellers, and investors throughout Illinois. This reputation is a direct reflection of Maria's unwavering commitment to delivering exceptional experiences and results.
Maria's role as the first non-Hispanic president of NAHREP Chicago is historic. Under her leadership, the chapter is one of the organization's largest and most influential. Her work at NAHREP Chicago involves advancing initiatives that promote sustainable Latino homeownership and economic mobility. She collaborates with national and local leaders, shaping housing policy to better serve Hispanic communities.
Her leadership at NAHREP Chicago embodies the organization’s mission to close the racial wealth gap and nurture the next generation of Latino homeowners and real estate professionals. Maria’s dedication to these goals underscores her commitment to championing diversity in the industry.
Maria’s diverse experience is a cornerstone of her success. She began her journey in real estate at the age of fourteen, taking on a part-time role in a real estate office to build confidence and communication skills. Over the years, she has amassed extensive experience across residential and commercial real estate, title operations, and strategic business development. Her career path includes roles as a senior paralegal, property manager, and investment analyst, granting her a holistic understanding of the industry. This multifaceted background enables her to navigate complex real estate transactions with ease and insight.
Maria's leadership style is deeply rooted in mentorship and community empowerment. As a champion of women and minority professionals, she frequently hosts educational events and provides executive coaching. Her efforts are aimed at fostering growth and encouraging diversity within the industry.
Maria’s advocacy extends to her work with Raising Our Daughters Foundation, where she serves on the Senior Advisory Board. The organization, led by Shauna Weatherspoon, mentors and empowers young women through personal development and leadership training. Maria’s involvement reflects her commitment to uplifting future generations and expanding access to opportunity.
Staying ahead of industry trends is crucial in the dynamic world of real estate and title services. Maria ensures her companies remain competitive by developing novel topics and events that break away from industry conventions. Her focus on delivering engaging, informative, and inspiring experiences has positioned her as a leader in the field.
Maria Kharot’s journey is a source of inspiration for aspiring female entrepreneurs in real estate. Her advice to them is grounded in resilience: understanding that setbacks are part of the path to success and that perseverance is essential. She emphasizes the importance of learning from failures and maintaining determination, echoing the words of Robert F. Kennedy, “Only those who dare to fail greatly can ever achieve greatly.”
As an Afghan-American woman, a mother of four, and a proud Chicago native, Maria continues to redefine success through service and representation. Her legacy is one of empowering others, expanding opportunities, and building generational wealth. Maria’s trailblazing work in real estate is paving the way for future generations to thrive and succeed.
Maria Kharot President and CEO
Northshore Title 224-998-6844 nstitles.com
GUIDING CLIENTS THROUGH MAJOR FINANCIAL DECISIONS
With over 25 years of experience, Alan Castro is a seasoned Mortgage Banker serving clients across all 50 states. He specializes in Mortgage Planning for residential and commercial loans, bringing expertise in areas such as Credit Analysis, Financing, and First-Time Homebuyer Programs.
Alan is dedicated to guiding clients through one of life's most significant financial decisions, ensuring they feel informed and confident throughout the entire process. Renowned for his integrity and client-first approach, Alan prioritizes finding the perfect fit for each individual, earning their trust for a lifetime.
Alan's dedication to excellence goes beyond traditional mortgage services. As a trusted advisor, he consistently goes the extra mile to help clients achieve their dream of homeownership. Whether you're navigating the complexities of financing or planning your first home purchase, Alan Castro is your go-to expert, providing reliable guidance and support. His comprehensive understanding of the mortgage landscape, combined with a personalized approach, ensures that each client receives tailored solutions that align with their unique needs and goals.
Alan’s proactive communication style guarantees he is always available to answer questions, provide updates, and offer reassurance at every stage of the mortgage journey.
In addition to his commitment to clients, Alan gives back to the community. He regularly hosts workshops and seminars aimed at educating potential homebuyers about the intricacies of the mortgage process, empowering them to make informed decisions. His efforts in promoting financial literacy extend to local schools and non-profit organizations, where he volunteers his time to teach financial planning and responsible borrowing.
In his free time, Alan enjoys spending time with his family, volunteering on various committees to help grow small businesses, and supporting clients in capturing their dreams of homeownership.
Alan Castro
Market President
773-704-2314
acastro@watermanbank.com
NMLS # 755925
Waterman Bank
Join Us for the Third Annual Pathways to Cook County Summit
Cook County is looking forward to its Third Annual Pathways to Cook County Summit on August 6, 2025. This is a unique occasion where the County and its sister agencies are all under one roof, bringing our collective resources to the community.
Cook County is the second largest in the country, our operation is vast, and it is through events like the Pathways Summit that we strive to make the County more approachable and accessible.
This engaging event is aimed at providing networking opportunities, providing information on procurement and grant opportunities, learning about certifications and more.
In recent years, our collective efforts have yielded significant strides in enhancing Cook County’s appeal as a business partner. Through streamlined procurement and grant processes, we’ve prioritized openness, equity, and accessibility for all stakeholders – vendors, non-profits, and residents alike.
Whichever partnership you’re interested in pursuing with Cook County, the Pathways Summit workshops and networking opportunities mark the beginning for a future public servant, for a small-business grantee, for a vendor or a community based organizational partner providing critical services to our residents.
The Pathways to Cook County Summit was launched in August 2023, by the Office of the President, the Office of the Chief of Procurement Officer of Cook County, and the Office of Contract and Compliance of Cook County. This year, our partners also include the Bureau of Economic Development, the Bureau of Finance, the Bureau of Human Resources, and the Justice Advisory Council.
Through our diverse range of partners, we are steadfast in our dedication to cultivating relationships, empowering entrepreneurship, and creating new avenues for business growth within Cook County.
The Pathways Summit stands as a testament to our shared aspirations. It offers a unique platform for networking, knowledge-sharing, and collaboration. As participants engage in the various sessions and activities planned, I encourage everyone to seize every opportunity to connect with peers, glean insights, and explore avenues for partnership and growth. Your presence and active participation are instrumental in making this event a resounding success.
Together, let us continue to pave the way for a brighter, more prosperous future for Cook County and its residents.
The Pathways to Cook County Summit will take place on August 5, 2025, from 9 a.m. to 2 p.m. at the UIC Dorin Forum, 725 W. Roosevelt Road, Chicago, IL. Reserve your spot today at this popular event – register at cookgov.me/PathwaysSummit.
In today's fast-changing economic environment, the importance of trade skills is becoming more widely acknowledged, particularly for Latino individuals in search of sustainable and rewarding career opportunities. Unlike traditional four-year college degrees, which often come with considerable student debt and unpredictable job outcomes, trade skills provide a more straightforward path to employment.
acquiring a trade skill can be a powerful experience, instilling a sense of pride and achievement. It empowers individuals to produce tangible outcomes with their hands, transforming raw materials into both functional and aesthetically pleasing products. This hands-on method of learning and working can be particularly gratifying and may spark a lifelong passion for craftsmanship.
Construction is a longstanding and consistently growing sector for Latino workers, with Latinos making up a significant portion of the construction labor force. In 2022, Hispanics represented 31.1% of the construction industry's workforce.
Trade skills can act as a springboard for additional education or business ownership, establishing a foundation for individuals to grow and advance their careers. As the need for skilled tradespeople continues to rise, embracing these opportunities can pave the way for a prosperous and fulfilling future for Latino individuals and their communities.For many, pursuing trade skills also means embracing cultural heritage, as these professions often have deep roots in Latino traditions and history. From intricate woodworking techniques passed down through generations to the vibrant expressions found in custom tile work, these skills are woven into the fabric of Latino identity.
trade schools and apprenticeship programs provide an accessible and inclusive environment, fostering a sense of belonging and community among students. These institutions often offer flexible learning options and financial assistance, making it easier for individuals to balance work, family, and education.
The success stories of Latino tradespeople who have built thriving businesses are inspiring examples of what is possible. Their achievements highlight the potential for economic empowerment and personal fulfillment, demonstrating that the path to success does not have to follow the conventional college route.
as society begins to recognize the value of diverse educational paths, the significance of learning trade skills becomes increasingly apparent. For Latino individuals, these opportunities offer not just a career, but a chance to celebrate their heritage, contribute meaningfully to their communities, and secure a bright future.In this era of evolving educational priorities, the narrative around trade skills and their importance continues to gain momentum. As we look towards the future, it is crucial to acknowledge and support the unique pathways that trade skills offer, particularly for Latino individuals who seek to harness their cultural strengths and community ties in pursuit of success.
Understanding and appreciating the multifaceted benefits of trade skills is essential for a holistic view of education and career development. By promoting these opportunities, we can foster a more inclusive and diversified workforce that honors all forms of expertise and creativity. As we continue to explore and expand these avenues, the stories and contributions of Latino tradespeople will undoubtedly enrich our society, inspiring future generations to embrace the power of skilled craftsmanship and community engagement.
HACR.ORG
A Journey of Resilience and Empowerment
The inspiring journey of Lizbeth Menjivar is one that embodies resilience, determination, and a commitment to empowerment. Born and raised in California as the first in her family to be born in the United States, Lizbeth has navigated her path with an unwavering dedication to personal growth and community advocacy.
Growing up in a household led by her mother, a single parent of four, Lizbeth witnessed firsthand the power of resilience. Her mother's tireless efforts to provide for the family instilled in her a deep appreciation for hard work and sacrifice. This foundation became a guiding force in Lizbeth's life, motivating her to pursue higher education despite the challenges.
At the age of 20, Lizbeth found herself following in her mother's footsteps, becoming a single mother dedicated to providing for her child while pursuing her dreams. Balancing multiple jobs and her education, Lizbeth earned a bachelor’s degree in finance from the University of Phoenix. Her academic journey continued as she achieved a master’s degree in International Business with a concentration in Finance. Studying abroad in China presented its own set of challenges; unable to afford a babysitter, Lizbeth brought her daughter to class. The university recognized their shared journey, allowing her daughter to cross the graduation stage alongside her—a powerful testament to their shared sacrifices.
Career and Professional Accomplishments
Today, Lizbeth resides in Illinois with her husband and daughters, boasting over a decade of experience in the financial industry. As a Financial Consultant at Fidelity Investments, she assists clients in crafting comprehensive financial plans, drawing on her extensive qualifications. A Certified Financial Planner (CFP®) candidate, Lizbeth is also pursuing the Chartered Financial Consultant (ChFC®) designation, holding various licenses across 42 states.
Lizbeth's commitment to the financial planning profession extends beyond her role at Fidelity. As the President of the Financial Planning Association (FPA) of Illinois, she is the first Latina to hold this position in the state. Her leadership in FPA, a national organization dedicated to advancing the financial planning profession, is a testament to her dedication to fostering collaboration and advocating for her peers. Additionally, Lizbeth is a member and former board member of the Chicago Financial Women Association, where she champions opportunities for women in finance.
Lizbeth's career has been characterized by overcoming obstacles and breaking barriers in an industry where representation is limited. Women comprise only about 20% of financial advisors nationwide, with Latinas representing less than 2% of certified financial planners. Despite these statistics, Lizbeth's unique perspective and experiences have become her strengths, enabling her to connect with clients from diverse backgrounds.
Early in her career, Lizbeth faced imposter syndrome, questioning her place in a predominantly male industry. However, her resolve to pave the way for others has driven her to mentor and advocate for increased diversity in financial planning. Her efforts are rooted in the belief that representation matters and creates a richer, more inclusive environment for professionals and clients alike.
Lizbeth's passion for financial literacy extends beyond her professional endeavors. As President of FPA of Illinois, she spearheaded a mentorship program, pairing experienced financial professionals with aspiring planners. This initiative is making a tangible impact on young financial planners' careers, providing them with the support and guidance needed to succeed.
Her advocacy work also includes efforts to pass legislation providing financial education to high school students. This initiative aims to equip young people with the knowledge needed to make informed financial decisions, contributing to a financially literate society.
For Lizbeth, success transcends personal achievements. It is about inspiring others and creating pathways for success within her community. Her story is a testament to resilience, determination, and the power of perseverance. As she continues to pave the way for the next generation of women and Latinas in wealth management, Lizbeth remains committed to fostering an inclusive and empowering environment in the financial industry.
In her own words, "Success is not just about what you achieve, but about how you navigate the
Deals in Heels: Opening Doors, Shattering Ceilings
Empowerment begins with community, and it’s through collaboration, mentorship, and shared experiences that we break barriers and elevate each other.
Maggie
We are delighted to highlight the "Deals in Heels - Opening Doors, Shattering Ceilings" event in this edition of Chicago Latina Magazine. This extraordinary gathering serves as a powerful reminder of women's influence in real estate and beyond, celebrating their strength, resilience, and the significantimpactoftheiraccomplishments
It was more than just an event; it was a movement one that paves the way for a future where women are empowered, barriers are dismantled, and ceilings are broken. We eagerly anticipate witnessing the ongoing influence of this remarkable initiativeandtheempoweredwomenitcontinuestoinspire
The event, co-founded by Maggie A Mathews and Tanya Diaz of Realty of America, is a cornerstone of their mission to empower women entrepreneurs. It marks a significant milestone in celebrating Women's International Month, creating a platform for women to share their stories and gain invaluable insights
The event provided a supportive environment for women to share their journeys, offering a stage for leaders and entrepreneurs to inspire others Participants were encouraged to envision themselves achieving their highest goals, gaining confidence and motivation to breakbarriersintheirrespectiveindustries
In honor of Women's International Month, the event celebrated the incredible accomplishments of women in real estate Stories of triumph, struggle, and success were highlighted, demonstrating how women are shattering ceilings and making significant stridesintheircareersandcommunities
The event featured insightful panel discussions, focusingon: Strategies for Success: Sharingeffective methodstoovercomeobstacles Opportunities for Collaboration: Encouragingpartnershipsthatdrive progressandinnovation
Inspiring Future Generations
By showcasing the journeys of accomplished women, the event inspired future generations to believe in their potential, take risks, and pursue leadership roles. This gathering was about demonstrating the possibilities when women work together, support one another, andremaindeterminedtosucceed
Esteemed Panelists
The event featured a diverse panel of accomplishedwomen, including: Rashaunna Scott - RealEstateInvestor Mary Hernandez - ExpertinBeautyand Health
Jules Mezher - Attorney Flor Villegas - RealtorandBuilder
These panelists shared their expertise and experiences, providing attendees with valuableinsightsandinspiration
When women support women, we create an unstoppable force. It’s not just about closing deals, it’s about opening doors for those who follow
Tanya Dia|¢ Co·Founder × Designated Managing Broker at Realty of America
A§ Mathews¢ Co·Founder¢ Broker × Senior Mentor at Realty of America
Human Resource: More Than a Department
BY SHAWN GARCIA
Empower Your Business with Evolve HR & Leadership Consulting
At Evolve HR & Leadership Consulting, we specialize in helping businesses streamline their HR processes, empower employees during their employee lifecycle, and build stronger, engaged teams. As a Latina-owned firm, we bring a unique perspective and deep dedication to every client we serve. Hablamos Español
Small businesses are the backbone of the U.S. economy, making up incredible. As a proud supporter of small businesses, I understand the challenges of starting and growing your company and your impact is mighty.
Evolve HR & Leadership Consulting is built on the principles of leadership, empowerment, and inclusion. Our mission is simple yet powerful, to create workplaces where employees feel valued, inspired, and empowered to excel. We achieve this through strategic HR leadership that focuses on fostering a strong, engaged workforce. The foundation of every successful organization. Building a solid HR foundation is critical during the early stages. We help startups set up essential HR processes and HR compliance. Establish a culture of growth and inclusion from day one.
As your business expands, we ensure your HR practices scale effectively. From managing onboarding for new hires to aligning leadership strategies, we keep your growth on track. We provide strategic HR solutions to navigate changes and transitions ensuring your team stays resilient and engaged.
How We Can Help
Our services are designed to meet the unique needs of your businesses across various industries. Whether you’re looking to improve your onboarding process, enhance employee satisfaction, or ensure compliance, we’re here to provide personalized, proactive solutions that align with your goals, values, and mission.
Tailored HR Services: We customize our support to fit your specific business needs, industry, and state requirements.
Expert HR Guidance: Our experienced team are a trusted partner, helping you navigate complex HR challenges.
Leadership Development: Empower your team and build a workplace culture that drives success.
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We believe in building strong partnerships and delivering exceptional results. Whether you are seeking to establish HR framework or an established organization looking to optimize HR processes, we have the expertise to guide you every step of the way.
Contact us today and let us help you align your HR initiatives with your business needs.
Arely Lagunas, MHRM, Founder
Evolve HR Leadership & Consulting
Email: arely.lagunas@practicalhr.org
Website: evolvehrleadershipconsulting.com 847.287.6324
MENTAL HEALTH
EL ESTIGMA OF SELF-CARE IN THE LATINX COMMUNITY: RESTING DOESN’T MAKE US “HUEVONES”"
Para muchos in the Latinx community, self-care is a complicated tema—often viewed as flojera rather than a necessary act of well-being. Resting and recharging is frequently met with hard critiques that sound like this: “huevones que no hacen nada” or “ponganse las pilas.” We come from generaciones that did not have the privilege to rest. In a culture of endless grind from our padres and abuelitos with sacrifices made, the notion of slowing down can feel like a betrayal of deeply ingrained values. If you’re not exhausted or constantly echándole ganas, then what are you accomplishing in life?
At a young age we are taught that success is earned through trabajar duro and staying busy. We cultivate this mindset that our productivity equates to our self-worth which stems from phrases like “el que madruga, Dios lo ayuda.” Taking a break es un lujo that we can’t afford.
Conversations around mental health and self-care are gaining attention, but latinos still struggle with internalized culpa. Choosing to rest by sleeping in or taking a day off is accompanied by a daunting feeling of no estar haciendo suficiente. However, paying little to no attention to self-care doesn’t just lead us to burnout— it creates long-lasting physical and mental consecuencias. Studies have demonstrated that lack of rest, chronic stress, and overworking ourselves affect communities of color leading to increased rates of anxiety, depression, and medical illnesses. Yet, el miedo of being labeled “huevon/a” keeps us from prioritizing our well-being.
We have to recognize that self-care is an act of sustainability and not rejection of our raíces. Reclaiming self-care in the Latinx community significa redefinir what hardworking means. We need to establish a collective understanding that productivity should not be at the expense of our mental and physical health. Prioritizing our well-being is a necesidad and we shouldn’t have to apologize for it.
Aracely Hernandez, LPC, ALMFT Therapy Vibes Chicago 773-231-7609
Latinas in Law Enforcement showcases the impactful narratives of two dedicated women, Michelle Velasquez and Esmeralda Samaniego, who have served this country for years, protecting its borders and upholding its laws with honor and commitment. Both women have forged remarkable careers in federal law enforcement and are now shining a light on fellow officers who, while proudly wearing the badge, have shattered barriers. As authors of **Latinas in Law Enforcement**, they present an inspiring anthology featuring the voices of 14 trailblazing women who openly share their personal and professional experiences in a demanding and often challenging field. Through these narratives, readers gain insight into the resilience required to thrive in a profession where Latinas are still underrepresented.
According to the latest Bureau of Justice Statistics (2020), Hispanic women made up around 3% of fulltime sworn officers in local police departments across the nation. In larger departments serving populations of over one million, Hispanic female representation increased to about 7%.
“I wanted people to understand that the women in this field carry a heavy load—balancing the demands of the job with challenges at home, including our spouses, children, communities, and even within the departments themselves,” shared Velasquez, who dedicated 16 years to federal law enforcement. “I aimed to highlight our mental health struggles alongside our resilience. We show up, serving with heart, strength, and determination. My hope is that this book will become part of the legacy we leave for ourselves and the next generation of women in blue.”
Samaniego, who devoted 22 years to safeguarding the nation’s borders and enforcing laws, joined this book project because “representation matters.”
“By sharing my story, I hope to motivate other women, particularly young Latinas, considering a career in law enforcement,” she stated. “If my journey can inspire just one person to believe in themselves and their purpose, then it’s worth it.”
These women’s experiences reflect the strength and determination needed to overcome obstacles, from dismantling stereotypes and confronting discrimination to balancing family responsibilities while fulfilling their duties. Each story offers a unique perspective, proving that the power of a Latina in uniform lies not only in the badge she wears but also in the boundaries she challenges and the courage she exhibits.
“We are not just officers—we are wives, mothers, sisters, and friends,” emphasized Velasquez. “Most importantly, we are members of the very communities we serve. Every day, ordinary women rise with extraordinary courage, ready to serve and often making personal sacrifices to protect this nation. We bring empathy, cultural understanding, and a foundation of trust that deepens our connection with those we protect.”
A portion of the book’s proceeds will be allocated toward scholarships for young women pursuing studies in law enforcement careers. For more information, visit [Latinas in Law Enforcement] (https://latinasinlawenforcement.com/).
Latinas in Law Enforcement is available on Amazon and offers captivating visual content that immediately draws attention. By including photos, illustrations, and graphics that resonate with your audience, you can create a magazine that will be memorable for years to come.
Once you have determined your cover story, compile a list of topics for your feature articles. These can include interviews, product reviews, human interest pieces, and more. Consider what your audience will find engaging and start writing! Remember to select compelling photos and graphics to accompany your text, as these elements help attract your audience's interest.
Most magazines incorporate a full-page advertisement, which you may also consider. Partnering with a local business to showcase their products can be advantageous. Don’t forget to include your social media handles, email, or any publication information that might interest them. You can even extend your cover photo to maintain a clean and simple layout. A magazine is an excellent platform to connect with your audience and share your message with the world, featuring well-curated content.
About Latinas in Law Enforcement
Latinas in Law Enforcement unites the powerful voices of 14 women sharing their struggles, triumphs, and experiences in a demanding profession. From breaking stereotypes and overcoming discrimination to juggling family life with job pressures, their stories highlight the resilience and determination necessary to succeed in a field where Latinas remain underrepresented. This inspiring anthology illuminates the challenges they face, demonstrating that strength comes not only from the badge they wear but also from the barriers they break. More than just a collection of stories, **Latinas in Law Enforcement** is a tribute to the perseverance, leadership, and resilience of those who serve and protect against allodds.
In addition to Velasquez and Samaniego, the following authors contribute to this work:
My Chavez
Amanda B. Cruz
Guadalupe Jasso
Lourdes Navarro
Jeanette Irma Ramos
Claribel Rivera
Rebeca Rivera
Lissette Rivero
Julie Rodriguez
Nina Rodriguez
Nancy Sanchez
Thelma Vega
PHOTOS
El Día de la Unidad Latina en Springfield, Illinois, fue un día para recordar a nuestros antepasados que han trabajado tan duro por cada uno de nosotros. Más información en el próximo número de la revista Chicago Latina. Para más información sobre el Día de la Unidad Latina de 2025, visite latinounityday.com
SPRINGFIELD, IL
