Personal Finance Archives — Financial Adviser

The Discount Deception: Why That Sale Price Isn’t Saving You Money

FinancialAdviser.ph — Fri, 17 Jul 2026 00:37:54 +0000

We’ve all seen it—big red tags shouting “SALE” and tempting us with 40% to 70% off. The math feels like a win. You tell yourself, “I saved ₱400!” But according to Fitz Villafuerte, a Registered Financial Planner (RFP), that kind of thinking could be sabotaging your savings. “If you bought something that’s originally P1,000 for [...]

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How ‘On The Money’ Turned Edric Mendoza From Interviewer Into Financial Planner

FinancialAdviser.ph — Fri, 17 Jul 2026 00:23:32 +0000

Career turning points do not always begin with a carefully prepared plan. Sometimes, they start with an unexpected question, a chance conversation, or an opportunity that seems unrelated to the work a person is already doing. For Edric Mendoza, the path to becoming a Registered Financial Planner began not in a bank, an investment firm, [...]

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The Hidden ‘Money Leaks’ That Drain Your Income, According to a Financial Planner

FinancialAdviser.ph — Wed, 08 Jul 2026 06:51:41 +0000

For many people, financial stress is often blamed on one thing: not earning enough. But according to Registered Financial Planner Christopher Cervantes, the real problem is often much smaller—and harder to notice. It is the quiet accumulation of everyday spending decisions. Speaking at the 14th Financial Fitness Forum last April 11, Cervantes explained that many [...]

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What Andrea Torres Learned About Money Before Success Arrived

FinancialAdviser.ph — Wed, 01 Jul 2026 06:07:40 +0000

For many people, financial planning starts with a predictable paycheck. Salaries arrive on schedule, making it easier to budget, save, and plan for the future. For those working in industries where opportunities come and go, however, money management requires a different mindset. Actress Andrea Torres, who is managed by Sparkle GMA Artist Center, understands this [...]

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She Grew Up With Just ₱1 a Day—Now She’s Building Her Child’s Future Through Financial Planning

FinancialAdviser.ph — Mon, 18 May 2026 03:12:27 +0000

Chaitanya Alexandra Rae Martin, a Registered Financial Planner, didn’t grow up with financial comfort. Her earliest memory of money was simple but meaningful—a small coin that had to last the entire day. “I remember my mom would give me a ₱1 coin every day before she left for work,” she recalls. That experience shaped her [...]

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He Lost Six Figures, Took On Debt, and Hit Rock Bottom—Then This Changed Everything

FinancialAdviser.ph — Tue, 12 May 2026 08:26:56 +0000

Nate Poblete, a Registered Financial Planner, didn’t grow up with a healthy relationship with money. In fact, his early beliefs were shaped by fear, scarcity, and misunderstanding. “I constantly heard things like ‘We don’t have enough’ and ‘Money is the root of all evil,’” he recalls. Those messages stayed with him for years, shaping how [...]

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He Lost His Job for Six Months—Here’s What It Taught Him About Money

FinancialAdviser.ph — Tue, 12 May 2026 08:19:00 +0000

Quincy Kaye C. Quilang, a Registered Financial Planner, didn’t always see money as something that needed structure and strategy. Like many young professionals, his early mindset was shaped by simple habits—saving, spending, and learning from what he saw at home. “My first memory of money was when I was six years old… I started saving [...]

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She Started With a ₱20 Alkansya—Now She Helps Others Build Wealth

FinancialAdviser.ph — Tue, 12 May 2026 06:07:55 +0000

Lover Mae Amodia, a Registered Financial Planner, didn’t begin her financial journey with complex investments or formal training. It started with something simple—a small container, a few coins, and a mindset that would later shape her future. “I made an alkansya out of a baby powder container and saved almost ₱20,” she recalls. At seven [...]

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A Financial Planner Shares a ‘Resilience Playbook’ for Surviving Financial Uncertainty

FinancialAdviser.ph — Fri, 24 Apr 2026 03:55:02 +0000

Economic uncertainty has become a regular part of life for many Filipinos. Inflation rises, markets fluctuate, jobs change, and unexpected crises can disrupt even the most stable financial plans. For Registered Financial Planner Mariel Tablan, the best response to uncertainty is not fear—it is preparation. Speaking at the 14th Financial Fitness Forum last April 11, [...]

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A Financial Planner Says the Secret to Building Wealth Is in Your Daily Habits

FinancialAdviser.ph — Fri, 24 Apr 2026 03:44:24 +0000

Many people believe that financial success comes from big investment decisions—picking the right stock, finding the next hot opportunity, or earning a higher salary. But according to Registered Financial Planner Christopher Cervantes, wealth is rarely built through dramatic financial moves. Instead, it grows through something much less exciting but far more powerful: daily habits. Speaking [...]

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