Financial Planning Advisor


FAMILY                                                                                                                                               joji@waves.ca

Your family--their future, their welfare, their happiness--is your priority.

Your business or career have full meaning because of your family.  That's why you want to invest for them -- with your time, with your talents, and with your treasures.

Your family time will have to be invested personally.  You have to be there with your family.  To play.  To learn.  To teach.  To counsel.  To comfort.  To listen.  To live.

Your financial investments can be delegated.  Joji Pantoja is a professional whom you can trust to do this for you.  Then you can invest more of your time and talents with your family.

That's how to cherish them.

These are online calculators to help you get a
hold of your finances..

» RRSP Calculator 
» RESP Calculator 
» RRSP Illustrator 
» RRSP Loan Planner 
» Registered vs. Non-Registered Investing 
» Investment & Regular Deposit 
» Investment & Regular Withdrawal 
» Cash Flow Illustrator 
» Net Worth Illustrator


Joji admired our family portrait... Quietly, I said, "Oh yeah.  But I really don't know how real it is anymore!?"

Her financial analyses and recommendations were effective!... What I appreciate the most is her wisdom in relating those financial plans with real family issues.  I now see money management with both my heart and my mind.

Government Employee

Use your life insurance wisely!

There was a time when life insurance was primarily for the main income earner, and there was very little more to think about. These days, however, there are many situations in which you can use life insurance to protect what you have now, to build for the future or to care for your family. Here’s a review of the most common situations.

Your home, your castle: covering the mortgage.

Most of us would sleep better if we knew our families wouldn’t have to worry about making the mortgage payments if we die prematurely. In fact, there are a couple of ways you can arrange to provide your family with enough money to cover the mortgage in that situation. One is to have enough life insurance to take care of your family’s immediate needs after your death, as well as pay off the mortgage. To accomplish that, you can acquire personal protection or have your coverage increased by the appropriate amount. The money from your personal policy will be paid to your family, so they can decide what to do with it. The other way is to arrange specific mortgage insurance through a mortgage lender. Although this arrangement does not pay your family extra money, it can give you peace of mind.

At home: the value of household management

Don’t underestimate the value of child care and household management services provided by your stay-at-home partner. These services are worth a lot and should be insured. If your partner dies suddenly, you and the rest of your family could be facing many extra costs to replace these services, during a time of great emotional upheaval.

On the job: what happens to your business?

If you own your own business, you can use your insurance in several ways. You can protect your business from any financial hardship caused by the death or disability of a key employee. Insurance can also be a valuable part of your employee compensation packages. With insurance, you can also provide your family or partners with enough cash to buy out your shares after your death. Or you can use your insurance policy to compensate family members who are not inheriting a stake in your business.


Investment is like growing a tree.  You plant the seed, water it,
watch it sprout, nurture it, watch it grow, watch it bear fruit...




The information and examples provided herein are for information purposes only. They should not be relied on as a substitute for professional advice or as a substitute for the applicable federal and provincial legislation.

Although the material in this site has been carefully prepared, Joji Pantoja and her staff do not make any representations, warranties or guarantees, express or implied, regarding the accuracy or completeness of this information and will be indemnified and held blameless for any use or misuse of the following information contained herein.

Any use of the following information without full disclosure and consultation will be the sole responsibility of the individual, corporation, organization or any other entity using it.

The information provided in this Web Site will change over time.

It is the responsibility of the user as described above to not use this information or any facilities described within in a way that may be interpreted as unlawful.

The designer of this site and/or any related persons or corporations assume no responsibility or liability whatsoever for any losses or damages of any sort resulting from the use or reliance upon any materials presented hereinafter or from actions taken or not taken based on information given to the users of this Web Site.





© 2001-2006 Joji Pantoja Financial Concepts
Davao City, Philippines