CFC Philippines case studies
CFC Philippines · Put your knowledge to work in context.
The Certified Financial Consultant (CFC) is a Philippine professional credential for practitioners who advise individuals and businesses on personal finance, investments, insurance, retirement, tax, and estate matters. Candidates typically come from banking, insurance, wealth advisory, accounting, and independent planning practices, and often pursue the CFC to signal a broad, client-facing planning competence rather than a narrow product or technical specialty. The CFC Philippines case studies are 5 cases and about 4,046 words.
1Engagement Creep, an Undisclosed Referral Fee, and Missing Client Data
Maria Cristina Lim, 46, a regional sales director, engages you under a signed letter limited to retirement planning and her two children's education funding, for a fixed fee of PHP 80,000. At the discovery meeting she declines to disclose her husband's income, will not sign an authorization for their BIR returns, and tells you to 'just assume' PHP 70,000 a month of household expenses.
777 words, about 4 min2Sole Breadwinner with Group Cover, a Large Mortgage, and No Disability Protection
Ramon Dizon, 38, is a plant supervisor and the family's only full-time earner. His basic salary is PHP 1.5 million; with 13th-month pay and allowances, total annual compensation is PHP 1.8 million.
786 words, about 4 min3Retiring at 58 on an Unfunded Employer Plan and an SSS Pension
Arturo Salazar, 55, has been a supervisor at a manufacturing firm for 25 years. His basic pay is PHP 1.2 million a year.
812 words, about 4 min4Mixed-Income Professional Who Wants to Switch to the 8% Rate Mid-Year
Paolo Reyes, 41, is employed at a hospital with taxable compensation of PHP 1.1 million. He also runs a part-time clinic registered as a non-VAT sole proprietorship, with gross receipts of PHP 1.9 million and itemised expenses of PHP 600,000.
798 words, about 4 min5Second Marriage, a Planned Lifetime Gift, and a Family Home Promised to the Widow
Federico Villanueva, 74, is married to Marta, 66, his second wife. He has two children, Ana (48) and Ben (46), from his first marriage, and one child, Carlo (24), with Marta.
873 words, about 4 min