EnRich Cash, Debt, Risk Wealth Management
- cash management -
don’t spend life without it - debt management -
don’t live life on it. - risk (insurance) management -
don’t leave life without it. - wealth management -
don’t live the life before it.
-
Efren Ll. Cruz, RFP®
- Founder, Chairman and CEO – Personal Finance Advisers Philippines Corporation, Philippines’ 1st “International Best Provider” of workplace finance education as recognized by the Personal Finance Employee Education Foundation of the US.
- Pioneered in the Philippines an after training coaching through daily SMS running for as long as one year through EnRich™ 365.
- Pioneered in the Philippines an MS Excel-
based comprehensive financial planning and monitoring app called My PF App™. - Pioneered in the Philippines a revolutionary and sustainable debt recovery plan for individuals through EnRich™ GOOD. GOOD stands for getting out of debt. The plan consists of combining debt condonation with refinancing and one year of personal finance coaching. It is a win-
win situation because quickly, the lender gets paid whatever is collectible from the borrower while the debt collector gets paid his commission. On the other hand, the borrower is freed from the stressful actions of the debt collector and is allowed to repay his refinancing loan at a much lower amortization level, thereby enabling him to be debt free within a short period of time. - Pioneered in the Philippines free consultation on personal finance through “Ask a Friend, Ask a Friend” service available through www.personalfinance.ph, Facebook, LinkedIn, Twitter, Viber, WhatsApp, Instagram, and SMS.
- Coined the term EnRich™ CD-
RW to represent the four pillars of personal finance, namely: cash, debt, risk, and wealth management. - Coined the term “InvestAssure” to describe variable unit-
linked insurance policies. - First to come up with a comprehensive, tools-
based training on personal finance called PFA Masterclass in Financial Planning leading to the global Associate Financial Planner certification - First to promote other personal finance consultants for free through YAMAN Coach. Promotion, through free Webinars and e-
Newsletters participated in by the YAMAN Coaches, also comes with coaching and mentoring. - Bestselling author
- Taming the Rebellious You – Using Your Brain’s Natural Disposition to Enrich Your Finances
- “Pwede Na! The Complete Pinoy Guide to Personal Finance” & “Pwede Na! The Complete Pinoy Guide to Retirement and Estate Planning”
- both bestsellers after two months of launch
- Usapang Pera, Mga Dapat Alamin (50th anniversary book of the Philippine Deposit Insurance Corporation)
- Money Matters (compilation of articles written for the Philippine Daily Inquirer)
- Registered Financial Planner of RFP® Philippines
- Forty years of experience in financial services industry, over thirty years of which in fund management
- Consultant to CLIMBS Investment Management and Advisory Corporation
- General Manager for Wealth Management, Standard Chartered Bank
- SVP & General Manager, Grepalife Asset Management Corporation
- President, MAA MutuaLife Philippines, Inc.
- President and COO, The Mutual Fund Management Co. of the Phils., Inc.
- Managed, distributed, and administered the following Philippine mutual funds: Grepalife Fixed Income Fund Corporation; Grepalife Bond Fund Corporation; MAA Dollar Bond Fund Corporation; The Mutual Fund Company of the Philippines, Inc.
- Vice President, First Philippine Fund (closed-
end Philippine country fund listed at the New York Stock Exchange) - Former Chairman and President of the Investment Company Association of the Philippines (i.e. Philippine association of mutual fund companies)
- Co-
founder of the Fund Managers’ Association of the Philippines - Appeared as Personal Finance expert on ANC 21, Kapuso Mo -
Jessica Sojo, Magpakailanman – Mel Tiangco, Unang Hirit, Payong Kapatid, TV Patrol, RPN 9, Bloomberg TV, DZMM, DWBR and DZBB, CNN Philippines - Contributor of personal finance articles to Philippine Daily Inquirer’s Money Matters column (finalist at the 40th Catholic Mass Media Awards in 2018), Cebu Daily News, Business Mirror, Money Sense Magazine, Business World and Filipino Unlimited, Reader’s Digest, www.savingstips.com, www.investment.fwd.com.ph, Money Matters Club of Unilab, Inc.
- University of the Philippines: MBA (ranked 4th in Class of 1986)
- Ateneo de Manila University: B.S. Business Management
