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Balikbayan Zone
Balikbayan Zone Products and Services

Balikbayan Zone has arranged, complied and organised an online searchable database of information and resources about Filipino products and services and related links.

Balikbayan Zone was created for assisting Filipino communities all over the world to find resources about world class Philippines made products and services.

Balikbayan Zone feature articles, tips, advise and directory of sites, products and services related to Filipino business and and travel.

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Financial Planner: Be Wealthy Financially Secure

Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. When planning personal finances, the individual would consider the suitability to his or her needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment private equity, (stock market, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of individual- or employer-sponsored retirement plans, social security benefits, and income tax management.

Manila Pinoy Financial Planner / Binondo Pinoy Financial Planner / Ermita Pinoy Financial Planner / Intramuros Pinoy Financial Planner / Malate Pinoy Financial Planner / Paco Pinoy Financial Planner / Pandacan Pinoy Financial Planner / Port Area Pinoy Financial Planner / Quiapo Pinoy Financial Planner / Sampaloc Pinoy Financial Planner / San Andres Pinoy Financial Planner / San Miguel Pinoy Financial Planner / San Nicolas Pinoy Financial Planner / Santa Ana Pinoy Financial Planner / Santa Cruz Pinoy Financial Planner / Santa Mesa Pinoy Financial Planner / Tondo Pinoy Financial Planner

Caloocan Pinoy Financial Planner / Sangandaan Pinoy Financial Planner / Dagat-Dagatan Pinoy Financial Planner / Poblacion Pinoy Financial Planner / Kaunlaran Village Pinoy Financial Planner / Maypajo Pinoy Financial Planner / Grace Park West Pinoy Financial Planner / Monumento  Pinoy Financial PlannerCaimito Road Pinoy Financial Planner / Grace Park East Pinoy Financial Planner / Baesa Pinoy Financial Planner / Santa Quiteria Pinoy Financial Planner / Bagong Silang Pinoy Financial Planner / Tala Pinoy Financial Planner

Las Pinas Pinoy Financial Planner / CAA-B.F. International Pinoy Financial Planner / Daniel Fajardo (Poblacion) Pinoy Financial Planner / Elias Aldana (Cutcut) Pinoy Financial Planner / Ilaya Pinoy Financial Planner / Manuyo Uno Pinoy Financial Planner / Manuyo Dos Pinoy Financial Planner / Pamplona Uno Pinoy Financial Planner / Pamplona Tres Pinoy Financial Planner / Pulanglupa Uno Pinoy Financial Planner / Pulanlupa Dos Pinoy Financial Planner / Zapote Pinoy Financial Planner / Almanza Uno Pinoy Financial Planner / Almanza Dos Pinoy Financial Planner / Pamplona Dos Pinoy Financial Planner / Pilar Village Pinoy Financial Planner / Talon Uno Pinoy Financial Planner / Talon Dos Pinoy Financial Planner / Talon Tres Pinoy Financial Planner / Talon Cuatro Pinoy Financial Planner / Talon Singko Pinoy Financial Planner / Pulang Lupa Dos Pinoy Financial Planner

Makati Pinoy Financial Planner / Bangkal Pinoy Financial Planner / Bel-Air Pinoy Financial Planner / Carmona Pinoy Financial Planner / Cembo Pinoy Financial Planner / Comembo Pinoy Financial Planner / Dasmarinas Pinoy Financial Planner / East Rembo Pinoy Financial Planner / Forbes Park Pinoy Financial Planner / Guadalupe Nuevo Pinoy Financial Planner / Guadalupe Viejo Pinoy Financial Planner / Kasilawan Pinoy Financial Planner / La Paz Pinoy Financial Planner / Magallanes Pinoy Financial Planner / Olympia Pinoy Financial Planner / Palanan Pinoy Financial Planner / Pembo Pinoy Financial Planner / Pinagkaisahan Pinoy Financial Planner / Pio del Pilar Pinoy Financial Planner / Pitogo Pinoy Financial Planner / Poblacion Pinoy Financial Planner / Rizal Pinoy Financial Planner / San Antonio Pinoy Financial Planner / San Isidro Pinoy Financial Planner / San Lorenzo Pinoy Financial Planner / Santa Cruz Pinoy Financial Planner / Singkamas Pinoy Financial Planner / South Cembo Pinoy Financial Planner / Tejeros Pinoy Financial Planner / Urdaneta Pinoy Financial Planner / Valenzuela Pinoy Financial Planner / West Rembo Pinoy Financial Planner

Malabon Pinoy Financial Planner / District I : Baritan Pinoy Financial Planner / Bayan-bayanan Pinoy Financial Planner / Catmon Pinoy Financial Planner / Concepcion Pinoy Financial Planner / Dampalit Pinoy Financial Planner / Flores Pinoy Financial Planner / Hulong-Duhat Pinoy Financial Planner / Ibaba Pinoy Financial Planner / Maysilo Pinoy Financial Planner / Muzon Pinoy Financial Planner / Niugan Pinoy Financial Planner / Panghulo Pinoy Financial Planner / San Agustin Pinoy Financial Planner / Santolan Pinoy Financial Planner / Tanong Pinoy Financial Planner 
District II : Acacia Pinoy Financial Planner / Longos Pinoy Financial Planner / Potrero Pinoy Financial Planner / Tinajeros Pinoy Financial Planner / Tonsuya Pinoy Financial Planner / Tugatog Pinoy Financial Planner

Mandaluyong Pinoy Financial Planner / Bagong Silang Pinoy Financial Planner / Barangka Drive Pinoy Financial Planner / Barangka Ibaba Pinoy Financial Planner / Barangka Ilaya Pinoy Financial Planner / Barangka Itaas Pinoy Financial Planner / Buayang Bato Pinoy Financial Planner / Burol Pinoy Financial Planner / Daang Bakal Pinoy Financial Planner / Hagdan Bato Itaas Pinoy Financial Planner / Hagdan Bato Libis Pinoy Financial Planner / Harapin Ang Bukas Pinoy Financial Planner / Highway Hills Pinoy Financial Planner / Hulo Pinoy Financial Planner / Mabini-J. Rizal Pinoy Financial Planner / Malamig Pinoy Financial Planner / Mauway Pinoy Financial Planner / Namayan Pinoy Financial Planner / New Zaniga Pinoy Financial Planner / Old Zaniga Pinoy Financial Planner / Pag-Asa Pinoy Financial Planner / Plainview Pinoy Financial Planner / Pleasant Hills Pinoy Financial Planner / Poblacion Pinoy Financial Planner / San Jose Pinoy Financial Planner / Vergara Pinoy Financial Planner / Wack-Wack Greenhills Pinoy Financial Planner

Marikina Pinoy Financial Planner / District 1 : Barangka Pinoy Financial Planner / Calumpang Pinoy Financial Planner / Industrial Valley Pinoy Financial Planner / Jesus Dela Pena Pinoy Financial Planner / San Roque Pinoy Financial Planner / Santa Elena Pinoy Financial Planner / Santo Nino Pinoy Financial Planner / Tanong Pinoy Financial Planner District 2 : Concepcion Uno Pinoy Financial Planner / Concepcion Dos Pinoy Financial Planner / Fortune Pinoy Financial Planner / Malanday Pinoy Financial Planner / Marikina Heights Pinoy Financial Planner / Nangka Pinoy Financial Planner / Parang Pinoy Financial Planner / Tumana Pinoy Financial Planner

Muntinlupa Pinoy Financial Planner / District 1 : Bayanan Pinoy Financial Planner / Poblacion Pinoy Financial Planner / Putatan Pinoy Financial Planner / Tunasan Pinoy Financial Planner 
District 2 : Alabang Pinoy Financial Planner / Buli Pinoy Financial Planner / Cupang Pinoy Financial Planner / Ayala Alabang Pinoy Financial Planner / Sucat Pinoy Financial Planner

Navotas Pinoy Financial Planner / District 1 : Bagumbayan North Pinoy Financial Planner / Bagumbayan South Pinoy Financial Planner / Bangkulasi Pinoy Financial Planner / Navotas East Pinoy Financial Planner / Navotas West Pinoy Financial Planner / Northbay Boulevard North Pinoy Financial Planner / Northbay Boulevard South 1 Pinoy Financial Planner / Northbay Boulevard South 2 Pinoy Financial Planner / Northbay Boulevard South 3 Pinoy Financial Planner / San Rafael Village Pinoy Financial Planner / Sipac Almacen Pinoy Financial Planner District 2 : Daanghari Pinoy Financial Planner / San Jose Pinoy Financial Planner / San Roque Pinoy Financial Planner / Tangos North Pinoy Financial Planner / Tangos South Pinoy Financial Planner / Tanza 1 Pinoy Financial Planner / Tanza 2 Pinoy Financial Planner

Paranaque Pinoy Financial Planner / District 1 Baclaran Pinoy Financial Planner / Don Galo Pinoy Financial Planner / La Huerta Pinoy Financial Planner / San Dionisio Pinoy Financial Planner / San Isidro Pinoy Financial Planner / Sto. Nino Pinoy Financial Planner / Tambo Pinoy Financial Planner / Vitalez Pinoy Financial Planner District 2 BF Homes Pinoy Financial Planner / Don Bosco Pinoy Financial Planner / Marcelo Green Pinoy Financial Planner / Merville Pinoy Financial Planner / Moonwalk Pinoy Financial Planner / San Antonio Pinoy Financial Planner / San Martin de Porres Pinoy Financial Planner / Sun Valley Pinoy Financial Planner

Pasay Pinoy Financial Planner / Batao Pinoy Financial Planner / Bay City Pinoy Financial Planner / Cabrera Pinoy Financial Planner / Cuyegkeng Pinoy Financial Planner / Don Carlos Village Pinoy Financial Planner / Edang Pinoy Financial Planner / FB Harisson Pinoy Financial Planner / Kalayaan Pinoy Financial Planner / Leveriza Pinoy Financial Planner / Libertad Pinoy Financial Planner / Malibay Pinoy Financial Planner / Manila Bay Reclamation Pinoy Financial Planner / Maricaban Pinoy Financial Planner / M Dela Cruz Pinoy Financial Planner / Newport City Pinoy Financial Planner / Nichols Pinoy Financial Planner / Padre Burgos Pinoy Financial Planner / Pasay Rotonda Pinoy Financial Planner / Pildera 1 Pinoy Financial Planner / Pildera 2 Pinoy Financial Planner / Rivera Village Pinoy Financial Planner / San Pablo Pinoy Financial Planner / San Isidro Pinoy Financial Planner / San Jose Pinoy Financial Planner / San Rafael Pinoy Financial Planner / San Roque Pinoy Financial Planner / Santa Clara Pinoy Financial Planner / Santo Nino Pinoy Financial Planner / Tramo Pinoy Financial Planner / Tripa de Gallina Pinoy Financial Planner / Ventanilla Pinoy Financial Planner / Villamor Air Base Pinoy Financial Planner

Pasig Pinoy Financial Planner / Bagong Ilog Pinoy Financial Planner / Bagong Katipunan Pinoy Financial Planner / Bambang Pinoy Financial Planner / Buting Pinoy Financial Planner / Caniogan Pinoy Financial Planner / Dela Paza Pinoy Financial Planner / Kalawaan Pinoy Financial Planner / Kapasigan Pinoy Financial Planner / Kapitolyo Pinoy Financial Planner / Malinao Pinoy Financial Planner / Manggahan Pinoy Financial Planner / Maybunga Pinoy Financial Planner / Oranbo Pinoy Financial Planner / Palatiw Pinoy Financial Planner / Pinagbuhatan Pinoy Financial Planner / Pineda Pinoy Financial Planner / Rosario Pinoy Financial Planner / Sagad Pinoy Financial Planner / San Antonio Pinoy Financial Planner / San Joaquin Pinoy Financial Planner / San Jose Pinoy Financial Planner / San Miguel Pinoy Financial Planner / San Nicolas Pinoy Financial Planner / Santa Cruz Pinoy Financial Planner / Santa Lucia Pinoy Financial Planner / Santa Rosa Pinoy Financial Planner / Santo Tomas Pinoy Financial Planner / Santolan Pinoy Financial Planner / Sumilang Pinoy Financial Planner / Ugong Pinoy Financial Planner

Quezon City Pinoy Financial Planner / Commonwealth Pinoy Financial Planner / Tandang Sora Pinoy Financial Planner / Loyola Heights Pinoy Financial Planner / Cubao Pinoy Financial Planner / Bagumbayan Pinoy Financial Planner / Timog Scout Area Pinoy Financial Planner / Novaliches Pinoy Financial Planner / New Manila Pinoy Financial Planner / Santa Mesa Heights Pinoy Financial Planner / San Francisco del Monte Pinoy Financial Planner / Galas Santol Pinoy Financial Planner / La Loma Pinoy Financial Planner / Ugong Norte Pinoy Financial Planner

San Juan Pinoy Financial Planner / Addition Hills Pinoy Financial Planner / Balong-Bato Pinoy Financial Planner / Batis Pinoy Financial Planner / Corazon De Jesus Pinoy Financial Planner / Ermitano Pinoy Financial Planner / Greenhills Pinoy Financial Planner / Halo-halo (St. Joseph) Pinoy Financial Planner / Isabelita Pinoy Financial Planner / Kabayanan Pinoy Financial Planner / Little Baguio Pinoy Financial Planner / Maytunas Pinoy Financial Planner / Onse Pinoy Financial Planner / Pasadena Pinoy Financial Planner / Pedro Cruz Pinoy Financial Planner / Progreso Pinoy Financial Planner / Rivera Pinoy Financial Planner / Salapan Pinoy Financial Planner / San Perfecto Pinoy Financial Planner / Santa Lucia Pinoy Financial Planner / Tibagan Pinoy Financial Planner / West Crame Pinoy Financial Planner

Taguig Pinoy Financial Planner / District 1 : Bagumbayan Pinoy Financial Planner / Bambang Pinoy Financial Planner / Calzada Pinoy Financial Planner / Hagonoy Pinoy Financial Planner / Ibayo Tipas Pinoy Financial Planner / Ligid Tipas Pinoy Financial Planner / Lower Bicutan Pinoy Financial Planner / New Lower Bicutan Pinoy Financial Planner / Napindan Pinoy Financial Planner / Palingon Pinoy Financial Planner / San Miguel Pinoy Financial Planner / Santa Ana Pinoy Financial Planner / Tuktukan Pinoy Financial Planner / Ususan Pinoy Financial Planner / Wawa Pinoy Financial Planner

District 2 : Central Bicutan Pinoy Financial Planner / Central Signal Village Pinoy Financial Planner / Fort Bonifacio Pinoy Financial Planner / Katuparan Pinoy Financial Planner / Maharlika Village Pinoy Financial Planner / North Daang Hari Pinoy Financial Planner / North Signal Village Pinoy Financial Planner / Pinagsama Pinoy Financial Planner / South Daang Hari Pinoy Financial Planner / South Signal Village Pinoy Financial Planner / Tanyag Pinoy Financial Planner / Upper Bicutan Pinoy Financial Planner / Western Bicutan Pinoy Financial Planner

Valenzuela Pinoy Financial Planner / District 1 : Arkong Bato Pinoy Financial Planner / Balangkas Pinoy Financial Planner / Bignay Pinoy Financial Planner / Bisig Pinoy Financial Planner / Canumay East Pinoy Financial Planner / Canumay West Pinoy Financial Planner / Coloong Pinoy Financial Planner / Dalandanan Pinoy Financial Planner / Isla Pinoy Financial Planner / Lawang Bato Pinoy Financial Planner / Lingunan Pinoy Financial Planner / Mabolo Pinoy Financial Planner / Malanday Pinoy Financial Planner / Malinta Pinoy Financial Planner / Palasan Pinoy Financial Planner / Pariancillo Villa Pinoy Financial Planner / Pasolo Pinoy Financial Planner / Poblacion Pinoy Financial Planner / Polo Pinoy Financial Planner / Punturin Pinoy Financial Planner / Rincon Pinoy Financial Planner / Tagalag Pinoy Financial Planner / Viente Reales Pinoy Financial Planner / Wawang Pulo Pinoy Financial Planner District 2 : Gen. T. de Leon Pinoy Financial Planner / Karuhatan Pinoy Financial Planner / Bagbaguin Pinoy Financial Planner / Mapulang Lupa Pinoy Financial Planner / Marulas Pinoy Financial Planner / Maysan Pinoy Financial Planner / Parada Pinoy Financial Planner / Paso de Blas Pinoy Financial Planner / Ugong Pinoy Financial Planner

Pateros Pinoy Financial Planner / Aguho Pinoy Financial Planner / Magtanggol Pinoy Financial Planner / Martires Del 96 Pinoy Financial Planner / Poblacion Pinoy Financial Planner / San Pedro Pinoy Financial Planner / San Roque Pinoy Financial Planner / Sta. Ana Pinoy Financial Planner / Sto. Rosario Kanluran Pinoy Financial Planner / Sto. Rosario Silangan Pinoy Financial Planner / Tabacalera Pinoy Financial Planner

Personal financial planning process
The key component of personal finance is financial planning, which is a dynamic process that requires regular monitoring and reevaluation. In general, it involves five steps:

Assessment: A person's financial situation is assessed by compiling simplified versions of financial statements including balance sheets and income statements. A personal balance sheet lists the values of personal assets (e.g., car, house, clothes, stocks, bank account), along with personal liabilities (e.g., credit card debt, bank loan, mortgage). A personal income statement lists personal income and expenses.

Goal setting: Having multiple goals is common, including a mix of short- and long-term goals. For example, a long-term goal would be to "retire at age 65 with a personal net worth of P10,000,000," while a short-term goal would be to "save up for a new computer in the next month." Setting financial goals helps to direct financial planning. Goal setting is done with an objective to meet specific financial requirements.

Plan creation: The financial plan details how to accomplish the goals. It could include, for example, reducing unnecessary expenses, increasing the employment income, or investing in the stock market.

Execution: Execution of a financial plan often requires discipline and perseverance. Many people obtain assistance from professionals such as accountants, financial planners, investment advisers, and lawyers.

Monitoring and reassessment: As time passes, the financial plan is monitored for possible adjustments or reassessments.

Typical goals that most adults and young adults have are paying off credit card/student loan/housing/car loan debt, investing for retirement, investing for college costs for children, paying medical expenses.


A Balikbayan, who may be either one of the following:

i. A Filipino citizen who has been continuously out of the Philippines for a period of at least one (1) year;

ii. A Filipino overseas worker;

iii. A former Filipino citizen and his family who had been naturalized in a foreign country and comes or returns to the Philippines.

b. Immediate family members (spouse and children) of the Balikbayan, who are nationals of countries falling under EO 408, travelling together with the Balikbayan.


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