Risking your life, Planning with brokers and Financial Advocates

Hard Facts about Personal Finance in the Philippines


We heard lots of financial advocacy online which promises help to individuals regarding their finances. We also hear some advocates selling books along with seminars but what is the real picture in personal finance?
The secret here is right application.
 Personal finances are so broad. It talks about  your cash flow, taxes, insurance etc. which affects your personal growth and life.
 The brokers and the advocates may help you but the main intention of these people is to offer  their products unconsciously. This is the reality when attending an advocate seminar. They offer  you the books and the products along with the seminar.

Bank Wealth management:

Wealth management in banks is very costly. First you need at least P1,000,000.00 to open a Private banking and thereafter they will assign a Wealth Manager to help you manage your investment and growth.


Advantage: Easy to invest. 

Disadvantage: They only talk one sector which is Investment planning. They earn in all aspects. They promote their own materials, monitor your finances and study your capacity so they can give you MORE MATERIALS like credit cards and other investment materials even beyond your capacity.

Result: Limited growth all based on your bank's performance.


Related topics:                                 Related Blogs :

* Investment                                        * Keys To Financial Success
* Investment Management                 * Top 10 Starting up Tips
* SJF Prime Service Group                  * Identifying Goals in Life
* What is Wealth Management

Insurance brokers bundle with financial planning : The suicide bundle

People think this is the most efficient and cheapest way to plan your life, Well this is the most SUICIDAL of them all. Always remember whatever they say, the number one objective is to sell you the product. They massage the brain using financial planning then give you the insurance. 
 Our profession  as Financial planner is very sensitive. It affects the whole life of a person. Giving Financial advice is very sensitive that it can change the course of your entire life. This is one thing Filipino's don't realize. They prefer SAVING MONEY rather than thinking about the result of the performance. They never realize, they spend MORE than they save. As one Filipino saying goes "matalino man ang matsing, naiisahan din".

Advantage: Easy to get insurance.

Disadvantage: Limited growth next to none. They earn through acquisition of insurance or mutual fund. Just look at the profession. You don't need to be a genius to know that the main reason is all about insurance. They mostly focus selling you the product and put their product to your portfolio rather than helping you.

Related Topics:                                                     Related Blogs

* Know more about Wealth Management               * Difference between Free and Professional Seminars
* Products In Financial Wealth Management            * 6 reasons why you need a Financial Plan
* Seminars regarding Wealth Management               * Keys to Financial Success

Financial Advocates: The most suicide of them all.

If you will ask a Financial Advocate without proper training and background to help you plan your finances is like donating all your wealth to charity. These people claim to have vast knowledge regarding personal Finances through seminar and speaking engagements. The main objective of these people is again to sell you MORE PRODUCTS(books,Cd's,subscriptions etc.)

Advantage: Good motivators.

Disadvantage: No real training and formal education in personal finances. Your wealth is in high risk more than helping you get richer.

Related Topics:

* What is Wealth Management

My objective

If we talk about Wealth Management, there are a lot of factors that we have to consider. Always remember that every plan you create, it affects the lives of individual's and families. My advocacy is to tell the truth, to get advice to people who has proper training and background. 
  In my personal opinion, advocacy starts by telling the truth.

Related Topic:

* Understanding Wealth Management

What is the best alternative?

There is only 1 pure Financial Planning firm in the country with international standards and highly trained professionals. San Jose Financials Philippines (SJF) are one of the Wealth Management Company with high standard in the ASEAN region and in the Philippines. They earn through commission which omits the conflict of interest between the client and the company. The more clients earn, the greater SJF increase their earnings, making sure your growth is prioritize.

 You don't need P1,000,000 to start wealth management and it is not limited to investment planning. San Jose Financial  always make sure we present the client all the advantage and disadvantage of your investments, policies and other financial requirements.

 This is the true protection which Filipino's need. A company that will help not only in investment but everything you need to have a comfortable life by proper planning and management.

SJF can even help you plan your family. Education, tax,insurance requirement. ALL COVERED IN SJF.

Related Topics:

* Keys To Financial Success
* 10 Starting up Tips
* Understanding Wealth Management

No one can beat the professionals

This concept doesn't only apply in personal finance but in all works and business. Everyone has their own expertise. There will always be techniques which you can't acquire by attending seminars and advices. SJF Wealth Managers are highly trained professionals and member of RFP Philippines and RFPI located in US making sure international standards and techniques are highly implemented to all their clients. 

International Standards

SJF Wealth Managers are registered Financial Planners and Licensed Wealth Managers (LWM Trademark) members in RFP Philippines with training from international investment firms to make sure that your SJF Wealth Management follows international standards of planning and implementation giving you the best quality in service. 


Change the way you THINK

Some people tend to be cheap most often looking for service, but if we talk about your future, QUALITY OF SERVICE IS MORE IMPORTANT than being cheap. SJF saw the need of Filipino's craving for a brighter future, so they decided to start with their promo  P33.33 for the first 2000 customers of SJF. A price for your phone can change your entire life. This is real advocacy. 

 I believe Filipino's will be wiser this 2013.. A stress free life which everyone dreams to experience. I believe Filipino's need to know true financial freedom.

Related Topics:


* Seminars
* Investment Seminars
* Investment Management in Philippines

If you want to know more about San Jose Financials, Just visit www.sanjosefinancials.com or email info@sanjosefinancials.com.

Let us spread prosperity by spreading the right information.


By: King San Jose S., RFP- LWM
Association of Financial Planners of the Philippines,Member
Licensed Wealth Manager/ Registered Financial Planner; Technical Analyst

Disclosure: This blog only reflects the writers point of view.  This article does not reflect SJF's point of view.