Efren Ll. Cruz is a registered financial planner of RFP Philippines, personal finance coach, seasoned investment adviser and bestselling author. Recognized as among 12 most influential people in personal finance by MoneySense Magazine, Efren is also the founder, chairman and CEO of Personal Finance Advisers Philippines Corporation. He has 25 years of experience in financial services industry, 18 years of which in fund management heading the Wealth Management division of Standard Chartered Bank Philippines Branch.
Efren is also the the best-selling author of “Pwede Na! The Complete Pinoy Guide to Personal Finance” and “Pwede Na! The Complete Pinoy Guide to Retirement & Estate Planning.”