Copyright 2015 © by Personal Finance Advisers Philippines Corporation.


you as the financial products consumer empowered in the way you manage your budget, borrow money, protect against the perils to your life and property, and invest for the future.

Now imagine your empowerment being potentially FREE!  

Call or email now for an appointment to find out how.

Empowering You

For inquiries, call (632) 216-1541 / (632) 359-3094 / (63917) 505-0709 or email

We are with you every step of the way Visitors So what’s on your mind?

ask a friend, ask Efren

Send a question to our best selling author & personal finance coach, Efren Ll. Cruz, RFP. We reply privately.

Guaranteed reply within 24 hours

FREE Services

Life Events Calculators

Financial Health Check*

PFA's Financial Health Check.htm


*Click here to download and install the needed Office XP Tool - Web Components

The Free Personal Finance eForum is now at

Click on the Income-Tacts icon below to join.


Now you may also ask your questions via SMS by sending

Last Name<space>First Name<space>question

to 0917-505-0709.

Note: Ask a friend, ask Efren SMS service is available only for Philippine cell phone numbers. You will be charged by your cell phone carrier for text messages you send.

Whatever stage in life you are in, the Personal Finance Advisers or PFA is there to lend a helping hand in the financial choices you make. Our seasoned registered financial planners or RFPs will draw upon their vast experience to craft a financial plan that is best suited for your particular goals in life.

Each financial plan will not only provide more effective and efficient means of achieving your financial goals but will also make executing your personal investment and loan transactions much more affordable. This is our way of providing power to the financial products consumer.


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