RFP Philippines study guide
RFP Philippines · Work through your exam, one topic at a time.
The Registered Financial Planner (RFP) Philippines designation is a professional credential for practitioners who advise Filipino households and business owners on comprehensive financial planning. Holders typically work as financial advisers, insurance and mutual fund professionals, bank relationship managers, or independent planners, and the credential signals that they can move beyond product selling to an integrated planning engagement. The RFP Philippines study guide has 9 sections and about 2,015 words.
01Financial Planning Process and Professional Standards
This domain tests whether you can run a repeatable, documented planning engagement and behave like a professional, not a product salesperson. Expect questions on the six-step process, scope, disclosure, fiduciary duty, and the limits of the RFP designation.
257 words, about 1 min02Risk Management and Insurance Planning
Risk management and insurance planning tests how you identify pure risks, apply insurance principles, and choose coverage without turning insurance into an investment story. Insurable interest must exist at inception for life insurance and at the time of loss for property insurance.
229 words, about 1 min03Investment Planning
Investment planning tests asset allocation, risk-return, diversification, liquidity, and product selection in the Philippine market. Risk and return are linked; higher expected return requires accepting more volatility or illiquidity.
224 words, about 1 min04Retirement Planning
Retirement planning tests how to project replacement income from SSS or GSIS, employer plans, PERA, and personal savings, then stress-test for inflation and longevity. SSS retirement is optional at 60 with 120 monthly contributions and mandatory at 65.
239 words, about 1 min05Tax Planning
Tax planning tests legal ways to reduce tax across income, investments, business, retirement, and transfers, without crossing into evasion. Individual income tax is graduated; the first P250,000 of taxable income is zero-rated.
218 words, about 1 min06Estate Planning
Estate planning tests succession law, legitime, wills, estate tax, and the use of insurance and transfers to meet family goals. Compulsory heirs, including the spouse, legitimate children, illegitimate children, and ascendants, are protected by legitime.
201 words, about 1 min07Personal Financial Planning (Cash Flow, Debt, Education, Housing)
Personal financial planning tests cash-flow control, debt management, emergency reserves, education funding, and housing decisions. Emergency fund: 3-6 months of essential expenses in liquid, low-risk accounts.
228 words, about 1 min08Employee Benefits and Business Owner Planning
Employee benefits and business owner planning tests mandatory benefits, retirement pay, tax exemptions, and succession or continuity tools for owners. Mandatory benefits include SSS, PhilHealth, Pag-IBIG, 13th month pay, service incentive leave, and retirement pay under the Labor Code for covered employees.
218 words, about 1 min09Financial Planning Practice and Ethics
Practice and ethics tests the RFP code, fiduciary conduct, disclosure, suitability, confidentiality, and regulatory boundaries. Client first: place the client's interest above the planner's compensation.
201 words, about 1 min