PFA's Services

IMAGINE...

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/(63917) 505-0709 or email info@personalfinance.ph.

Our Line Up of Services

The GOOD Plan

GOOD stands for getting out of (debilitating) debt. We do not aim to get people totally out of debt. In fact, debt can be useful if only managed properly. What we aim to do for the GOOD Plan participants is to restore people’s debt to manageable levels through a 4-week coaching program run by each coach for four participants in a group.

Comprehensive Financial Planning

Using the CD-RW management pillars of personal finance, we guide our individual clients in the best way to achieve their financial goals. The planning usual takes at least two meetings spaced about one week apart. The first meeting is all about data gathering. The last meeting involves the presentation of a written report including options and recommendations.

Investment Advice and Monitoring

We come out with an Investment Policy Statement and starting portfolio allocation for each individual client. We do not hold on to clients’ money. We just give the advice and monitor portfolio valuation. We purposely let our clients do the actual execution so that there is transfer of know how. We also bridge the gap between our clients and financial products providers in the most affordable way possible.

Business Plan Formulation

Studies have shown that more than half of businesses that start up in a given year had failed by the fourth year. One of the main reasons is the absence of a starting business plan. PFA helps its clients, whether individual or businesses, in coming up with a business plan. This business plan is by no means cast in stone. Clients will have to continually update them throughout the life of their business.

Estate Planning

Estate planning is not about living frugally just to be able to pass on wealth to heirs. Estate planning is about enjoying life by using the appropriate estate planning devices that optimize tax benefits while ensuring that the goals of the testators are upheld. To ensure these, PFA has partnered with Ocampo and Manalo Law to provide estate planning services to clients.

Portfolio Management and Fund Accounting Software Systems / Services

We carry for sale the multi-awarded, straight-through processing (i.e. from portfolio and dealing to back office valuation) in one database Bonanza software of the Wealth Management System Ltd. Of Thailand. The system can handle multi-products from fixed income to derivatives and securities borrowing/lending. It is also capable of handling multi-currencies, advanced portfolio management analyses and simulations, and is loaded with the latest in global best practices. In the future, PFA intends to provide back office services as well.