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A Year of Impact as NAHREP 10 Certified Trainers Shape Latino Wealth in 2025
If you’ve been around NAHREP long enough, you know the NAHREP 10 started as a simple idea: ten disciplines that, if lived out consistently, could change the financial trajectory of an entire community. Over the years, those principles have moved from posters on walls to a living curriculum—and the people carrying that curriculum into living rooms, classrooms, and conference stages are the NAHREP 10 Certified Trainers.
NAHREP launched the Certified Trainer Program in 2019 with a very specific theory of change: real estate professionals are already the unofficial financial advisors of their neighborhoods, so give those “go-to” people deeper training and a platform, and they will carry the NAHREP 10 further than any single campaign ever could. The program was launched through the fundamentals of NAHREP and is now guided by the Hispanic Wealth Project (HWP); today, the program itself is housed under HWP. Trainers complete a structured process—a three-part web course, a five-minute NAHREP 10 presentation video, and a live interview—before they’re certified and expected to speak, mentor, and model these disciplines throughout the year.
Seasoned Certified Trainers can also step into a second lane: Certified Trainer Ambassadors. Ambassadors are market leaders, appointed and entrusted to help drive and support HWP program objectives and help support the talent pool of 100+ Certified Trainers nationwide and in Puerto Rico.
In 2025, that bet is paying off in measurable ways. According to the Hispanic Wealth Project, the NAHREP 10 Certified Trainer program equipped more than 25,000 participants with financial literacy and wealth-building tools in 2024 alone, and it continues as a core pillar of HWP’s impact strategy this year. Trainers are not just repeating talking points; they are translating the NAHREP 10 into real decisions about saving, investing, and entrepreneurship in communities that have historically been locked out of traditional wealth pathways.
The alignment with the broader Hispanic Wealth Project agenda is deliberate. HWP’s 10-year goals—triple Hispanic household wealth, double the number of Latino homeowners, and grow the share of Latino households owning non-retirement financial assets—are all rooted in behavior, not just policy. The NAHREP 10 disciplines speak directly to that: live below your means, minimize debt, invest at least 20% of your income in real estate and stocks, know your net worth, and be politically savvy enough to protect what you build. Certified Trainers are the ones turning those sentences into workshops, one-on-one coaching, and keynote talks across the country.
To ground the NAHREP 10 in real-world impact, we asked the same questions of two ambassadors—Lexi Lopez (CENTURY 21 Real Estate, South Central Market Leader) and Mark Pinilla (Keyes Property Management/The Keyes Company, Mid-Atlantic Market Leader)—and invited them to describe, in their own words, how they help people move from intention to action:
How did you use the NAHREP 10 to spark real behavior change this year?
Lexi Lopez: I introduced the NAHREP 10 during a Take Your Child to Work Day presentation, focusing on budgeting and goal planning. Parents shared how excited their kids were to start using the tools, which reinforced the importance of financial literacy early on. Seeing that enthusiasm confirmed the real impact of sharing these principles.
Mark Pinilla: I use the NAHREP 10 to inspire bridge building, from limited means to wealth and from renting to owning, by walking the journey with my clients.
What barriers do you witness most in your sessions, and what strategies do you use to guide them past those obstacles?
Lexi Lopez: The biggest barrier I see is uncertainty. People don’t know where to start or who to trust. I guide them by sharing examples of local professionals, leveraging resources from the Hispanic Wealth Project, and offering myself as a connector. This approach builds confidence and helps them take actionable steps toward financial empowerment.
Mark Pinilla: The biggest barrier is belief. I overcome it by showing up like family, not a salesperson. I walk with them toward financial, personal, and generational success.
The ecosystem around them is getting stronger. HWP has built out complementary programs—like its financial literacy efforts and entrepreneurship initiatives—to give people somewhere to go after a powerful NAHREP 10 talk, whether that’s a deeper dive into saving and investing or support in launching a small business. When you connect the dots, you can see the architecture of a movement: principles, trainers, content, and programs all aimed at closing the Hispanic wealth gap in a systematic way.
Looking ahead, the bar is only going higher. HWP has publicly set ambitious participation goals for its financial literacy and wealth-building efforts by 2026, and NAHREP 10 Certified Trainers will be central to reaching those numbers. The question is no longer whether the model works—it’s how many more households we can touch if every trainer treats the NAHREP 10 like a responsibility, not just a credential.
NAHREP launched the Certified Trainer Program in 2019 with a very specific theory of change: real estate professionals are already the unofficial financial advisors of their neighborhoods, so give those “go-to” people deeper training and a platform, and they will carry the NAHREP 10 further than any single campaign ever could. The program was launched through the fundamentals of NAHREP and is now guided by the Hispanic Wealth Project (HWP); today, the program itself is housed under HWP. Trainers complete a structured process—a three-part web course, a five-minute NAHREP 10 presentation video, and a live interview—before they’re certified and expected to speak, mentor, and model these disciplines throughout the year.
Seasoned Certified Trainers can also step into a second lane: Certified Trainer Ambassadors. Ambassadors are market leaders, appointed and entrusted to help drive and support HWP program objectives and help support the talent pool of 100+ Certified Trainers nationwide and in Puerto Rico.
In 2025, that bet is paying off in measurable ways. According to the Hispanic Wealth Project, the NAHREP 10 Certified Trainer program equipped more than 25,000 participants with financial literacy and wealth-building tools in 2024 alone, and it continues as a core pillar of HWP’s impact strategy this year. Trainers are not just repeating talking points; they are translating the NAHREP 10 into real decisions about saving, investing, and entrepreneurship in communities that have historically been locked out of traditional wealth pathways.
The alignment with the broader Hispanic Wealth Project agenda is deliberate. HWP’s 10-year goals—triple Hispanic household wealth, double the number of Latino homeowners, and grow the share of Latino households owning non-retirement financial assets—are all rooted in behavior, not just policy. The NAHREP 10 disciplines speak directly to that: live below your means, minimize debt, invest at least 20% of your income in real estate and stocks, know your net worth, and be politically savvy enough to protect what you build. Certified Trainers are the ones turning those sentences into workshops, one-on-one coaching, and keynote talks across the country.
To ground the NAHREP 10 in real-world impact, we asked the same questions of two ambassadors—Lexi Lopez (CENTURY 21 Real Estate, South Central Market Leader) and Mark Pinilla (Keyes Property Management/The Keyes Company, Mid-Atlantic Market Leader)—and invited them to describe, in their own words, how they help people move from intention to action:
How did you use the NAHREP 10 to spark real behavior change this year?
Lexi Lopez: I introduced the NAHREP 10 during a Take Your Child to Work Day presentation, focusing on budgeting and goal planning. Parents shared how excited their kids were to start using the tools, which reinforced the importance of financial literacy early on. Seeing that enthusiasm confirmed the real impact of sharing these principles.
Mark Pinilla: I use the NAHREP 10 to inspire bridge building, from limited means to wealth and from renting to owning, by walking the journey with my clients.
What barriers do you witness most in your sessions, and what strategies do you use to guide them past those obstacles?
Lexi Lopez: The biggest barrier I see is uncertainty. People don’t know where to start or who to trust. I guide them by sharing examples of local professionals, leveraging resources from the Hispanic Wealth Project, and offering myself as a connector. This approach builds confidence and helps them take actionable steps toward financial empowerment.
Mark Pinilla: The biggest barrier is belief. I overcome it by showing up like family, not a salesperson. I walk with them toward financial, personal, and generational success.
The ecosystem around them is getting stronger. HWP has built out complementary programs—like its financial literacy efforts and entrepreneurship initiatives—to give people somewhere to go after a powerful NAHREP 10 talk, whether that’s a deeper dive into saving and investing or support in launching a small business. When you connect the dots, you can see the architecture of a movement: principles, trainers, content, and programs all aimed at closing the Hispanic wealth gap in a systematic way.
Looking ahead, the bar is only going higher. HWP has publicly set ambitious participation goals for its financial literacy and wealth-building efforts by 2026, and NAHREP 10 Certified Trainers will be central to reaching those numbers. The question is no longer whether the model works—it’s how many more households we can touch if every trainer treats the NAHREP 10 like a responsibility, not just a credential.
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