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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.

For inquiries, call (632) 216-

Company Profile

Mr. Efren Ll. Cruz, RFP® founded the Personal Finance Advisers Philippines Corporation
(PFA) on February 20, 2006. PFA was borne out of Mr. Cruz’s passion to promote financial
literacy among Filipinos through the discipline of financial planning. This passion
also led Mr. Cruz to authoring the following best-
“Pwede Na! The Complete Pinoy Guide to Personal Finance”
“Pwede Na! The Complete Pinoy Guide to Retirement & Estate Planning”
These are still the only books in the country giving practical personal finance advice in a Philippine setting and with free companion financial planning software.
Main Services
Personal Finance Seminars
Comprehensive Financial and Estate Planning
Investment Advice and Monitoring
Internet and SMS enabled Portfolio Management and Fund Accounting
PFA is a truly independent financial adviser that promotes the CD-
On July 8, 2009, PFA was named the Philippine’s first “International Best Provider”
of employee finance education by the Personal Finance Employee Education Foundation
(PFEEF) (www.PersonalFinanceFoundation.org). PFEEF, a US-
PFA Key Personnel