Getting Financial advice from Independent advisers

In the Philippines, it is hard to get financial advice especially the low financial literacy of the Filipinos comparing to other neighboring countries such as Singapore.
 In this regard, some individuals take advantage of this scenario which affects their future, affecting the quality of the life or even destroy their portfolio.

People working for institutions such as Insurance or banks' claims they care for their clients, however you have to ask yourself. Can you tell the client 100% disadvantage of your product? Or can you tell the client they don't need it? Or even give advice without buying the product? The main objective is to sell the product to you. It's hard to accept but it is a fact.

1. Knowing the complete Truth.
 Independent Financial advisers tell the truth including the disadvantage of the product or investment. They give you alternative in reaching goal.

2. Have a vast knowledge in all your investments.
 Real Independent Financial advisers have a vast and wide knowledge in different investment you have. From equities to your business, they make sure everything is aligned to your goals and objectives in life.

Related Topics:

* Know SJF Business Management
* Benefits of Wealth Management
* Understand your goals in life

3. They give you advice without getting a commission when you buy or invest.
 Real Independent Financial advisers give you advice even though you don't buy any product. Conditions such as "free financial plan" or "we will teach you how to reach your goals" when you buy their product are top signs they are brokers selling you a product. Real Independent Financial advisers double check your current status before acquiring an investment. They don't look for your portfolio on how they can put the product in your product.

4. They put your interest first.
 Real independent Financial advisers search for ways how you can reach your goals and look what is best for you. They look for alternatives that is comfortable for the client and offers different alternatives such as opening business ventures, real estates or even  investment abroad.

Before, only high net worth individuals  can afford Independent Financial Advisers . Some individuals even travel abroad to acquire independent and real financial advice from independent firms.
Now, new groups such as San Jose Financial Wealth Management Group which offers unbiased financial advice and planning on how you can achieve your goals in life, aligning your goals and objectives with your overall financial status. From your investments to your debts, SJF helps you plan your goals in life and find alternative on how you can achieve our dreams in life. A group of professional people helping you reach your goals in life.

Talk to your SJF Wealth Manager for a FREE 1 HOUR Consultation and see the difference.
Helpdesk (+632 798.8111)

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5 People You Should Never Get Investment Advice From

by MIRANDA MARQUIT on MARCH 13, 2013 of excessreturn
www.sanjosefinancials.com

These days, it seems as though almost everyone has an idea of how you can get ahead as an investor. However, no matter how good the investment advice sounds, you need to do a gut-check. Can you trust this person? And why is he or she sharing such a great tip with you?

While you can listen to the investment ideas put forth by just about anyone, it’s another thing to whole-heartedly trust someone else with your money. Before you take the plunge, carefully examine the situation and the fundamentals, and then reconsider. Here are 5 people you should be wary of when they are giving you investment advice:

1. Family ( Related Topic: What is the best investment for you? )

It’s tempting to get in on that “hot” tip that your brother-in-law is offering, or get in on the bottom floor on that “investment opportunity” Your cousin is involved with. Unfortunately, too often, your family members don’t really understand investing. Like many others, they are following the herd, and that “hot” stock may be in bubble mode.

Even worse is the possibility that your family member has been taken in by an investment scam. Going in can mean that you are caught in the trap, too. Before taking the advice of a family member, review his or her track record with finances, as well as remind yourself that your family member probably doesn’t have the know-how or credentials to be giving investing tips.

2. Strangers ( Related Topic: how to reduce debt? )

Why would a stranger go out of the way to give you great investment advice? In this category are those emails you receive about penny stocks and other “opportunities.” Also, be wary of taking advice from strangers you meet in social settings. He or she might be bragging about his or her investing prowess, but you don’t really have any proof that there is a real performance capability there.

3. Co-Workers ( Related Topic: Legal Forex Scams) 

Unless you work in the investment industry, and your co-workers are all analyzing the merits of a particular investment, your co-workers probably aren’t the best people to turn to for financial advice. Instead, your co-workers are likely just behind the curve, buying when everyone else is, and selling in panic when things go south.

On top of that, co-workers are often sources of investment scams. They get taken in by scams, and then ask you to participate. They may be in earnest about the “opportunity”, but that doesn’t make you feel better after you’ve both been duped.

4. Media Talking Heads ( Related Topic: How to reduce your debt? )

It may be fun to watch Jim Cramer’s antics, but it’s important not to take your advice from media talking heads. Financial media don’t exist to inform investors. The primary goal of the financial media is to make money; any education or useful information provided to investors is merely a side product.

One of the best ways to make money is to sensationalize things. Media talking heads try to draw you in by convincing you that something is practically full-proof, or by whipping up fear about the imminent disaster. Making investment decisions based on these extremes presented by the media can lead to big losses to your portfolio.

Take the news with a grain of salt. Instead, you are better off following your own investing plan designed for the long haul, and ignoring the noise from the TV screen.

5. Brokers and Other Wall Street Types 
( Related Topic: Risking your life with brokers and advocates)

Going to a stockbroker for advice seems like a slam dunk. After all, these folks know all about investing. Unfortunately, Wall Street types probably don’t have your best financial interests at heart. Brokers are, on a basic level, salespeople. This means that they are trying to get you to buy products that will earn them a better commission.

Whether it’s someone at your local bank, or a broker with an official firm, the reality is that these advice-givers only have to recommend something that is “suitable.” And suitably isn’t the same things as “best”.

If you want solid advice from a professional, consider using a Registered Investment Advisor (RIA) or a fee-based financial planner. The RIA has a fiduciary responsibility under the law to look to your interests ahead of the commission, and a good financial planner that isn’t paid by commissions can offer mostly unbiased advice. 

Here are a few tips to know more about independent Wealth Management

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Proper way to Invest

By: FPT 

From FPT Website

Investments offers a dangerous draw: enormous rewards with the possibility of awful losses. Investors are in love with the idea of amassing wealth, however, no one likes to lose their money. The key here is to learn how to invest your money with minimal risks. It’s impossible to predict the daily fluctuations of our market, but as you begin to invest you’ll soon learn to withstand the losses and bounce back with the next market swell.



Related Topic: 6 Reasons why you need Wealth Management

The market cannot be controlled, but with practice you will learn how to invest wisely when buying stocks, bonds, options, ETFs (i.e a silver ETF and biotech ETF), trading forex or even mutual funds. It’s important to familiarize yourself with the products of the business you’re investing in before you take the plunge. Also, remember that market high isn’t everlasting. It’s wise to invest into a powerful stock with a long lasting record than a recent trend that’s in the first year of its infancy. These usually don’t last.

Related Topics:

* 6 easy steps to get rich
* What is Wealth Management?
* Tips for your growth
* Free wealth seminars to know more about Investments
* ABSCBN Celebrities attending free Wealth Seminar
* How to Reduce your Debt?

Equally as important to the product is your thinking behind the decision to invest in it. A very important step in locating good stocks to invest in is to know the company of the stock very well- so you’ll be one step ahead of the game and already know the direction of your next move. For example, if you’re investing only for profit you’ll know to drop out once the prices fall instead of worrying about whether to hang in there until the next market high.

Related Topic: Philippine Stocks erased all earnings for the year 2013 .

Investing is all about the timing – by this I mean the timing of your moves in relation to the market highs and market lows. You must know when it’s time to cut your losses. It’s equally important to know when to take the profits and run. Many people believe running a profit when the market is up to be the correct course of action. However, many others are afraid the market will soon fall. When the market dips you should cut your losses. Back out quickly before the situation gets worse.

Related Links: Register for free Wealth seminar

Never ever invest in things you cannot afford and never invest without a sound reasoning. Yes the market highs are incredibly rewarding, but the market low is also part of the journey. Much of investing is run by guy instinct, but you shouldn’t and cannot afford to make reckless choices.  Mutual funds are always a great place to start – and finding a no load mutual fund, without any fees is on the safe side when it comes to investing in the stock market.

A popular investment these days are ETFs like the energy ETF (energy-sector exchange traded funds), silver ETF, financial ETF, natural gas ETF and more.  If you aren’t sure about a specific company, but want to get into the sector it is in, ETFs may just be for you.

Related Links:

* What is Investment Management
* Future of Investments and Investment Management in the Philippines
* Beware of Forex Scam in the Philippines

The ideal thing is to study the market. Don’t throw yourself into the deep end without first studying the product record. There are many good books available. If you get a chance check out “The Real Life Investing Guide” or “The Only Investment Guide You Will Ever Need”. Know what you’re up to before you ever set foot on the path of the investor.

When the time comes to make an informed decision you’ll gain plenty of benefits from the world market. Business very unpredictable indeed, but when the market is up the reward are worth far more than the gamble.

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The Difference between FREE and Professional SEMINARS. The Truth behind Free services.

by: King San Jose Santos, RFP-LWM

  I believe the most sensitive in all topics is about wealth management. This concept is new to filipino's even though it already existed in the US since 1990's. Currently,we see free seminars  but what is the real score behind this promo's?
  Most Filipino's compare prices rather than checking the quality. This kind of concept does not apply and can be damaging when it comes to investments and topics about your wealth. Instead of helping you, it may limit your growth or even be a main reason for destruction in your finances instead of maximizing your full potential with the right products and strategies.

Related Blogs: 
* Attending Free Wealth Seminar
* UITF, Stocks, Mutual Funds? What is the best Investment?
* Keys to Financial Success

 TOP 10 TRUTH'S AND FACT'S why it is  better to acquire information and seminars from INDEPENDENT Wealth Managers rather than Financial institution with Financial Products.

1. It's a marketing strategy. It helps them rather than it helps you.
       -It is a fact that these "free" seminars are backed with financial products that they always sell to the public. People may realize in the long run  they lose more rather than they gain. We often call as a mask hiding the real face.

 Related blog:

 * Warning on Forex Scams
 * Keys to Financial Success

2. Independent Wealth managers and registered Financial planners are advocates of Truth.
       - The main objective is to help people regarding how they can maximize their full potential and how to  organize their wealth efficiently with the right products and right strategies. This will maximize their growth more than boxing yourself in one institution with 1 product in mind. Do you think they can advise you to buy their competitor even though it is best for you? The answer is definitely obvious.

 3. Wealth Managers tells 100% truth while they barely tell you the truth to protect their product.
     - It's another fact most financial institution tell people how great their product but barely show the truth about the performance. Their objective is to tell you about their services and how it can help you rather than focus on your financial health. Wealth managers objective is to help you. No added information or products.

Related Services:                                          Related Blogs:

* What is Wealth Management?                     * Future of Wealth Management in the country
* Investment Management                              * SJF Free Wealth Seminar


4.  You lose more money than you gain.
        - This is a fact that most people who get their information from wrong institutions ends up losing more opportunities. Their strategies revolves around the product rather than the client.

Related Blogs:

* Risking your future with advocates
* Investment Management in the Philippines
* 6 reason why you need an SJF Wealth Manager

5. They earn more than you do.
        - Filipino's should understand that people who gives free seminar sell products which in return earn through commission. This kind of system affects the growth of the client. Instead of helping them grow further, they limit themselves with existing strategies that will compliment the product.

6. They won't teach you FACTS that can affect the product during seminars.
         - This is a major fact. They will never teach you how you can choose the right products and strategies for you. The more informed clients would be, the more harder for them to sell you the product. We can compare it to a person drinking poison. This will be suicide if they will teach all the facts to you which are the IMPORTANT FACTORS in wealth management.

Related Topics:

 * Beware of forex SCAMS
 * Real Wealth Seminars
 * Attending Free Seminars in the Philippines
 * What is the best investment for you?
  7. Some are agents facilitating the seminars
        - We never like discriminating people but these are facts which we need to be conscious . Wealth management is very sensitive. This can affect your overall growth and the quality of your life. Getting information from the right people may help you gain more . Getting wrong information may contribute on your losses.
     
In summary

Change of concept and thinking. FREE IS NOT GOOD in fixing your wealth.

Filipino's should start changing their concept about quantity and quality. In handling your wealth, Quality is more important that quantity. Definitely, anything that can help or change your financial health is a definitely worth investing.

Related Resources:

 * What are Life goals?
 * Top 10 starting up tips
 * What is the best investment for Juan?

  SJF Fact survey shows that proper wealth management and giving just  right words and advice to a client can help them earn P1M minimum by 10 years with NO INVESTMENT AND CASH OUTLAY . They were able to do it by identifying some key problems and basic strategies in wealth management.

Related Services:

 * Understanding SJF Wealth Management in Investments
 * Keys to financial Success

 We hope this article can help clients choose the right service and the right people to get their information. Philippines is just starting to boom and this modern concept in wealth management is just new in our country.

 We assure you that SJF will be at your side to guide you in Investments and your finances.

If you want to know more about the FACTS and the REAL SCORE in investments and wealth management, attend our SJF Wealth Management.Register online via www.facebook.com/sanjosefinancials to register and reserve your slot or call our helpdesk at 78-99099 now.

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Benefits of SJF Wealth Management

In the Philippines, SJF Wealth Management is a new service for Filipino’s. Wealth Management focuses mostly on an individual’s Total growth instead of a section of your life.

Some key Benefits acquiring an SJF WealthManagement Service.

•  Show you the direction you are taking.

  SJF Wealth Management System helps you see the whole direction of your life.  Warning you with possible scenarios that can affect your lifestyle and wellbeing.

•  Saves you money and makes you money.

 Our team makes sure the quality of work is accurate and precise.  We make sure the quality of work with SJF SEAL of QUALITY.

 We help clients save money and create more money.

Related Blogs:
*Tips on how to save money
*Easy way to get rich

•  Someone is looking after you

  From monthly expenditures  to future problems, SJF licensed Wealth Managers make sure our clients are prepared in scenarios that can affect their lives.

Related Links:
* What is Wealth Management
* Benefits of Wealth Management

• Helps you sort out the FACTS from the Sales Pitch.

  Client’s receive  all materials from insurance brokers, to bankers and real estate brokers. We sort out what you really need in life to achieve your goal.

• Can help you stop taking unnecessary risk.

  Invest in stocks heavily or Time deposits? SJF Wealth Management helps you maximize your investments with SJF PSG services.

Related Topics:
 *9 things to increase your income today
* Tips on how to save money

•Helps you avoid making costly financial mistakes

 SJF Risk management program protects you from wrong investments and minimize your mistakes.

Related Topics:
* What is Investment Management
* Top 10 Starting up tips
* Investment Management Services

• Can help you pay less in taxes

  We help you strategize on how to save paying too much from taxes legally and efficiently via our SJF Tax Planning Program.

• Makes the difference between your Financial Success and Failure.

  Client’s see the whole picture and understand if their strategies will help them grow further or will result in high risk.

Related Topics:
* Risking your life planning with brokers and advocates

• Pays for themselves many time what they contribute to your life.

  SJF Wealth Management contributes to our client’s lives are huge. Saving millions and maximizing your investments ,creating more wealth to our clients.

Related Topics:
*Benefits of Wealth Management
*Future of Wealth Management in the Philippines

• Helps you focus on the rest of your life and make it more enjoyable.

 SJF Wealth Management handles all your Financial Problems, investments and other personal requirement which helps you enjoy your life worry free.

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Wealth Management: Not just for Filipino Millionaires anymore

By SJF team

In every problems we have in our lives, we tend to go to professionals on how we can solve our problems or how to reach our objectives.

If you have a headache? You See your doctor.

If you have a toothache? You See your a dentist.

A money problem or investment problem? Well, that's when you might want to make the acquaintance of a good Licensed Wealth Manager.

Related Blogs:

*What is Wealth Management?
*What are the other services of Wealth Management?
*Investment Problem? NO PROBLEM WITH SJF
*Future of Wealth Management in the Philippines
*ABSCBN Hunk and COSMO supports Financial Literacy Advocacy of SJF

Maybe you've come into a large inheritance or your own income popped suddenly.

Maybe you gave birth to triplets or recently divorced. Maybe you just bought or sold a business. Or maybe you just feel uneasy about your money -- you're not sure where it's going now or how far it will take you in the future.

Whatever your money problem -- too much or too little -- A Wealth Manager can probably help.

Why do you need an INDEPENDENT WEALTH MANAGERS?

Independent Wealth Managers can recommend you the RIGHT PRODUCTS, investments and other financial products that YOU NEED rather than hear sales pitch from agents and brokers. Wealth Management is a very sensitive issue that can affect your future. You may be paying for insurance that you dont need or may be losing money with over investment.
Independent wealth managers also can give you reports what are best for your money rather than limit yourself in one institution or 1 bank.

Related Blogs:

* Free Wealth Seminar
* Schedule for Free Wealth Seminar
* SJF Wealth Management Seminar
* Secret Keys to Financial Success

No one can dictate the high probability of reverse trend in your finances which can affect not only yourself but you family as well."Many people don't realize that hiring a Wealth Manager" can be a good investment," says Gerri Detweiler, radio host and author of "Slash Your Debt." "If you find yourself letting important financial decisions go because you just don't seem to get around to them, you might want to talk to a Licensed Wealth Manager to get those jobs done."

Currently. there are free Wealth Management seminars SJF offer for first time clients. We strongly suggest to attend in one of the seminars before getting Wealth Management services.

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Investment Management in the Philippines

Financial literacy is low in the Philippines. This is one of the main reason why we always hear clients being scammed in all walks of life including our government officials. Always remember, people offering a secured 10% per month is already questionable .

 In this in our mind SJF opened a new service to Filipino's and all over the world. SJF Investment Planning and Wealth Management is the first in the country that focuses not only in one investment material but consolidating all investment materials into 1 and aligning it to our client's goal.

What is Investment Management?

We would like to quote Marriott School identifying Investment Management

 "An investment Management Plan  creates a framework for every investment activity in which you will participate. It states what you will invest in, how you will invest, why you will invest, what percentage of your money you will invest, and so on. In short, your investment plan significantly affects your investment returns."

Related Topics:                                    Related Blogs: 

*What is wealth Management               * Keys to Financial Success
* What is Investment Management       * Top 10 Starting up tips
* What are your goals in life?                * 9 things you can do to increase your income

SJF is the first in the country that offers purely Investment Planning. This will secure our clients against risk and protect them from unwanted scenarios and unexpected risk that can affect their everyday life.

Investment Management is one of the most important aspect in Wealth Management. This can be implemented in the Philippines. SJF offer this prime service with our SJF Investment and Portfolio Planning 640 and International.It offers consultancy and investment planning for individuals. It helps the client design his or her own portfolio based on goals and objectives along with fundamental analysis of each investment they wish to acquire.

To know more about Investment Management, click here or visit our official website at www.sanjosefinancials.com for more details.

Time to be wise this 2013. Start SJF Investment Planning today and secure your future.

SUBSCRIBE TO OUR BLOG TO KNOW MORE ABOUT INVESTMENTS and WEALTH MANAGEMENT.

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A new milestone on SJF Wealth Management and Philippines web design. CHAT SERVICE ONLINE

A new Milestone in Philippines Wealth Management and Web Design.

San Jose Financials official web page, now upgraded. Ver 2.3

NOW ONLINE.

visit www.sanjosefinancials.com

Our blogger site now also offers chat and inquiry service.

Related Blogs:

* 6 reasons why you need a Wealth Manager

* Investment Management In the Philippines

* Key to Financial Success

* What is Wealth Management? The Future of Wealth and Asset Management in the Philippines

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SJF Financial Plan Poster of the week

If you don’t have a Financial Plan, you’re like driving a car blindfolded.

Plan your life now with SJF Financial Plan 101 now.

SJF is now an International Financial Planning Firm. Discover the secret to experience Financial Freedom by investing in Prime services and Wealth Management by SJF.

http://www.facebook.com/sanjosefinancials

To know more about Financial ,Investment Planning and other products :

Visit www.sanjosefinancials.com or email us directly at info@sanjosefinancials.com

UPGRADE YOUR LIFE NOW

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What is Wealth Management? The Future of Wealth Management and Investments in the Philippines

Growing Philippines

 In today's market, Philippines starting to mature and comprehend the world of investments. They tend to crave for knowledge and understanding about financial instruments that can help them achieve their goals in life. Along with the interest in investments are the brokers. From real estate to insurance, we hear left and right offers in various instruments which confuses the public.


Driving your car blindfolded?

Life is like driving a car. You exert effort/energy to get to your destination but what happen if we drive blind folded? This is one mistake most working Filipino do. They continue to work and acquire financial instruments blind folded. They get most of their information from brokers which they often sell the material to them. The result? Either they don't need the material for their current situation or over acquisition of materials driving their growth slower or even in the opposite direction.

Related topic:                                                   Related Blogs:
* What is Wealth Management?                        * Keys to Financial Success
* Products for Wealth Management                   * Top 10 Starting up tips

Taking Financial advice from brokers and advocates

This is the latest trend in Philippines. Brokers and advocates are scattered in the metro claiming they have the right solution,formula or even product to help you grow. Pinoy's think they can save more money by attending advocates or brokers seminar with their product ending up with wrong solution making the situation worse.Some even pretend to be Financial planners and advocates.

"The best things in life are free except in Finance and if we talk about your money."

This is one attitude that Filipino can be relate . Looking for opportunities to save money but this concept is only applicable when acquiring assets. In service especially in Personal Finance, if you expect things are free, expect the performance of your portfolio is next to 0 or even in negative territory.

The quality of service and the investment in technology and hiring smart and highly qualified people doesn't come cheap. When we talk about Finance, investments and your money, quality is more important than being cheap or do you rather lose money?


 SJF Wealth Management and SJF Licensed Wealth Managers

SJF Wealth Management is new to the Philippines. This is one of the secret of rich countries why they were able to grow fast in small amount of time. SJF Wealth Management System is a  process  which a SJF Wealth Manager evaluates a client or investor's current financial state and balances future client's risk by computing the assets and liabilities and forecasting future values of the said class.

"Wealth Managers never sell any Financial Products such as insurance, estate,stocks,etc. They are only focused on your growth."

In simple term,SJF Wealth Management is the process of consolidating all your requirements. It computes how much you really need in your life. It also computes your current situation and even your risk. For short, it gives you the path you are taking.It can also alert you in changes in your lifestyle that may affect your family.

Related Topics:

*Understanding your goals in Life
*What is Wealth Management?
*Professional Service for Wealth Management

Related Blogs

*Keys to Financial Success
*Top 10 Starting up tips
*Tips on how to save money

Who creates the SJF Wealth and Asset Management Plan?

 SJF Wealth Managers are professional who prepares, compute and evaluates your current situation. They are the one who creates detailed strategy which help you maximize your full potential.

5 reasons why you need to hire an SJF Wealth Manager.

1. Retire early : Taking out vague hopes and non realistic goals, SJF Financial Planners can help you create real and effective retirement planning strategies that will give you early and Comfortable retirement.

2. Sleep soundly at night: Having an SJF Wealth Managers with you. You don't need to worry about anything. SJF Wealth Manager studies all your taxes, insurance, investments,tax planning and anything that can affect you as an individual.

3. Maximize profitability and minimize risk

  SJF Wealth Managers help you manage your own investments. They study all financial instrument that can affect your whole portfolio. Get professional consultation.

4. Less Spams and unwanted materials

  SJF Wealth Managers  make sure they help you reach your goals and dreams in life by proper planning and management of your hard earn money.

5. Open new businesses/Acquire properties worry free

 SJF Wealth Managers s help you prepare you for your goals and this includes  your business and properties. SJF Wealth Managers  helps you prepare through estate and financial planning. They can help  you start your business without affecting your current situation and future circumstances.

SJF Wealth Management can give you tons of benefits and can help you maximize your full potential. Have confidence in getting advice from the real professionals in Finance and Investments.
This can help you achieve your goal early and worry free.

For more information about SJF, visit www.sanjosefinancials.com

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(Question of the Week Feb 15-24)

Question coming from : Ms. Marilyn Vasquez, Hong kong

Question :

" I'm currently a OFW here in HONGKONG and i have small amount for TIME DEPOSIT .It gives small interest.I'm planning to invest in MUTUAL FUNDS.Just like to ask if it is right to invest now and how much i should invest?

Answer:

Thank you for your question .

Before we invest, we have to consider several factors. We always remember that all investment offer risk which you need to consider. Time deposit also offers risk. We call it Inflation risk.

Inflation is the rate of increase or decrease of service and goods. The more higher the inflation, the lesser the goods or service you can acquire with your money. If we consider investing at the moment, always remember to balance your current cash flow first. If we invested in the wrong time, this will destroy you rather than help you grow.

"is it right to invest now?"

There are lots of people saying that investing now is the perfect time due to market reaction to data but no one can tell when it will go down. We call this risk as Market risk. It is the result of specific data's and reports that can affect the current situation of a company. Issue like interest rate,political turmoil and other issues.

In my personal opinion, before considering investing, the person should consider first if he or she is in the right position. One wrong concept of filipino's are mostly investment is the only solution for growth. THIS IS WRONG. The right perspective would be the solution for growth is not investment but proper portfolio management.

SJF offers the right process in investing. We call this as SJF Investment Planning. It is a SJF Process which helps the client identify his or her current situation and see how much he or she can invest in a safer perspective.

We can compare this process as sacrifice 1 apple to gain 10 more apples.

To know more about goals in life to understand your objective, click here

To know more about investment planning, click here.

In summary, make sure you balance everything first. Understand your goals and consider the risk. Invest in services that can help you . SJF has all the service that can help you grow.

'like us on facebook.com/sanjosefinancials

follow us on twitter @sjfinancials

subscribe to our blogs and visit www.sanjosefinancials.com

by:

King San Jose S., RFP

Wealth Manager
Registered Financial Planner
San Jose Financials Wealth Management Group

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Risking your life planning with brokers and advocates

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
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* 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.

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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.

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* 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.

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* 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.

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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.

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* 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.

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