Personal Finance Advisers Philippines Corporation

Personal Finance Advisers Philippines Corporation Personal Finance Consulting & Training
Home of the YAMAN Coaches™

Efren Ll. Cruz, RFP®
Chairman/CEO Established by Efren Ll. (PFEEF).

Cruz, RFP® in February 20, 2006, the Personal Finance Advisers or PFA is a fee-only financial adviser that provides end to end solutions in financial planning to both individuals and corporations. PFA’s clients are among the top 1,000 corporations in the Philippines as well as small & medium scale enterprises, high net worth individuals and a multitude of ordinary individuals wishing a better futu

re for themselves and their families. On July 8, 2009, PFA was named the Philippine’s first “International Best Provider” of employee finance education by the Personal Finance Employee Education Fund, Inc. PFEEF, a US-based non-profit charitable foundation, identified PFA as a high quality provider of workplace financial programs to employees. BOOK: Taming the Rebellious You: How to Use Your Brain's Natural Disposition to Enrich Your Finances

ORDER HERE: https://forms.gle/6R43fUwQ1tYfFZt2A

07/09/2026
📢 𝗬𝗔𝗠𝗔𝗡 𝗪𝗲𝗯𝗶𝗻𝗮𝗿 𝗦𝗲𝗿𝗶𝗲𝘀 𝗦𝗽𝗲𝗮𝗸𝗲𝗿 𝗨𝗽𝗱𝗮𝘁𝗲We’re pleased to announce a change in our speaker lineup for the YAMAN Webinar Seri...
06/09/2026

📢 𝗬𝗔𝗠𝗔𝗡 𝗪𝗲𝗯𝗶𝗻𝗮𝗿 𝗦𝗲𝗿𝗶𝗲𝘀 𝗦𝗽𝗲𝗮𝗸𝗲𝗿 𝗨𝗽𝗱𝗮𝘁𝗲

We’re pleased to announce a change in our speaker lineup for the YAMAN Webinar Series this October.

Joining us on October 24 is Jerome Astorga, AFP®, who will talk about:

𝗕𝗘𝗙𝗢𝗥𝗘 𝗜𝗟𝗟𝗡𝗘𝗦𝗦 𝗦𝗧𝗥𝗜𝗞𝗘𝗦:
𝗧𝗵𝗲 𝗦𝗺𝗮𝗿𝘁 𝗪𝗮𝘆 𝘁𝗼 𝗕𝘂𝗶𝗹𝗱 𝗬𝗼𝘂𝗿 𝗛𝗲𝗮𝗹𝘁𝗵 𝗙𝘂𝗻𝗱

Medical emergencies can happen when we least expect them. Learn how to prepare financially, build a health fund, and protect the financial goals you’re working hard to achieve.

📅 October 24, 2026
🎙️ Jerome Astorga, AFP®
📌 Before Illness Strikes: The Smart Way to Build Your Health Fund

Because being financially prepared also means being prepared for the unexpected.

Register for the YAMAN Webinar Series and join us this October.

Learn more and register for FREE at https://yamanwebinar.my.canva.site/

𝗔𝗻𝗴 𝗵𝗶𝗿𝗮𝗽 𝗸𝘂𝗺𝗶𝘁𝗮.Minsan, kahit anong tipid, parang ang bilis pa rin maubos ng pera.May grocery. May bills. May pamasahe....
03/09/2026

𝗔𝗻𝗴 𝗵𝗶𝗿𝗮𝗽 𝗸𝘂𝗺𝗶𝘁𝗮.

Minsan, kahit anong tipid, parang ang bilis pa rin maubos ng pera.

May grocery. May bills. May pamasahe. May pamilya.
Tapos kapag may biglaang gastos, kailangan mo na namang mag-adjust.

Hindi naman natin kontrolado ang lahat ng nangyayari.
Pero we can learn how to be more prepared for it.

Mas kailangan nating matutong humawak ng pera.

This October, let's talk about real-life money lessons. Simple, practical, and for every Juan. 𝗡𝗼 𝗽𝗿𝗼𝗱𝘂𝗰𝘁 𝘀𝗲𝗹𝗹𝗶𝗻𝗴 𝗼𝗿 𝗲𝗻𝗱𝗼𝗿𝘀𝗲𝗺𝗲𝗻𝘁𝘀. 𝗝𝘂𝘀𝘁 𝗽𝘂𝗿𝗲 𝗮𝗱𝘃𝗶𝗰𝗲.

Four Saturdays. One goal. A future you’re financially ready for.

📅 October 3, 10, 17 & 24
⏰ Saturdays, 9:00 AM

Free YAMAN Webinar Series.

Learn more and register at https://yamanwebinar.my.canva.site/

𝗥𝗘𝗚𝗜𝗦𝗧𝗥𝗔𝗧𝗜𝗢𝗡 𝗜𝗦 𝗡𝗢𝗪 𝗢𝗣𝗘𝗡!ANG HIRAP KUMITA.MAS KAILANGAN NATING MATUTONG HUMAWAK NG PERA.Sahod na kakapasok lang.Bills na...
01/09/2026

𝗥𝗘𝗚𝗜𝗦𝗧𝗥𝗔𝗧𝗜𝗢𝗡 𝗜𝗦 𝗡𝗢𝗪 𝗢𝗣𝗘𝗡!

ANG HIRAP KUMITA.
MAS KAILANGAN NATING MATUTONG HUMAWAK NG PERA.

Sahod na kakapasok lang.
Bills na naghihintay.
Grocery prices.
Pamasahe.
Family expenses.

Tapos uulan nang malakas, may baha, o may mga biglaang gastusin.

Real life is expensive.

Kaya this October, pag-usapan natin ang pera. Realistically, practically, and without complicated financial jargon. Just free real-life money lessons for every Juan.

📅 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟯, 𝟭𝟬, 𝟭𝟳 & 𝟮𝟰
⏰ 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆𝘀 • 𝟵:𝟬𝟬 𝗔𝗠

Four Saturdays. One goal. A future you’re financially ready for.

Registration includes:
➡️ E-Certificates of Attendance
➡️ Copies of the webinar recordings
➡️ Raffle prizes

Visit the official website to join:
👉https://yamanwebinar.my.canva.site/

See you there!

31/08/2026

𝗥𝗘𝗚𝗜𝗦𝗧𝗥𝗔𝗧𝗜𝗢𝗡 𝗢𝗣𝗘𝗡𝗦 𝗧𝗢𝗠𝗢𝗥𝗥𝗢𝗪!

ANG HIRAP KUMITA NGAYON, NO?

Umuulan. Bumabaha. May biglaang gastos. May emergencies. Ang daming kailangang isipin, pero kailangan pa ring pagkasyahin ang kinikita.

Kaya this October, pag-usapan natin ang pera.
Babalik ang 𝗬𝗔𝗠𝗔𝗡 𝗪𝗲𝗯𝗶𝗻𝗮𝗿 𝗦𝗲𝗿𝗶𝗲𝘀 for 4 Saturdays of 𝗙𝗥𝗘𝗘 𝗹𝗲𝗮𝗿𝗻𝗶𝗻𝗴!

📅 October 3, 10, 17 & 24
⏰ 9:00 AM
💻 FREE online webinars

Whether you're a student, professional, entrepreneur, parent, or simply trying to get better at managing your money, 𝘄𝗲𝗹𝗰𝗼𝗺𝗲 𝗹𝗮𝗵𝗮𝘁 𝗱𝗶𝘁𝗼!

🎓 E-Certificates available
🎁 Raffle prizes up for grabs
💯 FREE registration

𝗥𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗼𝗽𝗲𝗻𝘀 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟭.

Abangan ang full details and speaker lineup.

Because earning money is hard enough. Let's learn how to make the most of it.

31/08/2026

HONORING THE HEROES WHO SHAPED OUR NATION 🇵🇭

On National Heroes Day, we honor the men and women whose courage, sacrifice and love for the country helped shape the Philippines we have today.

Their stories remind us that heroism can take many forms, and that the fight for a better Philippines continues with every generation.

31/08/2026

Pagpupugay sa mga Pilipinong bayani! 🇵🇭

Today, the country celebrates National Heroes Day. It is a regular holiday. Those who will render work hours are entitled to double pay.

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