Financial Consultation/Financial Needs Analysis (FNA)

A complete review of your income, expenses, assets, debts, and financial goals to help you understand:

• What you have

• What risks you face

• What you need to prioritize

• How to build a more secure financial plan

You’ll receive a clear, easy-to-understand assessment and practical recommendations.

Insurance & Protection Planning

Protect your income, health, and family’s future with the right protection tools.

• Life Insurance

• VUL (Investment-Linked) Insurance

• Health and Accident Insurance

• Education Planning Solutions

• Income Protection Plans

Perfect for individuals and families looking for peace of mind and future security.

General Insurance Solutions

Safeguard your assets with the proper protection.

• Car Insurance

• Home Insurance

• Fire Insurance

• Travel Insurance

• Business / Commercial Insurance

You’ll get guidance on coverage, pricing, and the best provider for your needs.

Corporate Financial Solutions

Ideal for companies who want to protect their employees, management team, and long-term operations.

• Fringe Benefits

• Keyman Insurance

• Group Life & Health Insurance

• Business Continuity & Succession Planning

• Employee Financial Wellness Programs

Estate & Legacy Planning

Plan your legacy with confidence and clarity.

• Protect family assets

• Structure wealth transfer

• Minimize risks

• Prepare for retirement and life transitions

Clear guidance, simple language, and step-by-step planning.

How the Process Works

Step 1 — Book a Consultation

Choose the service you need and schedule a session.

Step 2 — Personalized Assessment

We evaluate your current situation and map out your goals.

Get a simple, actionable plan and support in choosing the right financial solutions.

Step 3 — Implement Your Plan

Why Work With BeFutureready Academy?

• Professional and certified financial advisor

• Over a decade of sales and financial coaching experience

• Trusted by teams, companies, and professionals across the Philippines

• Explains financial concepts in the simplest way possible

• No pressure, no hard selling — just clear, honest guidance

“Bernard explained everything clearly and helped me organize my financial priorities. The 2 / 5 / 10 / 15 framework is the best”

Mariel E., Client

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“I finally understood what insurance I really needed and what I didn’t. Highly recommended.”

Jay E., Client

“The financial wellness session has helped our employees get a better understanding on how to manage their finances.”

Hearth Mae G., HR Manager