ABOUT JOJI

JOJI FELECITAS B. PANTOJA, BSc
Financial Planning Advisor

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STUDENTS                                                                                                                                          joji@waves.ca



You're propelled by your desire to join the knowledge workforce of the digital economy.  Your future depends on your performance today as a student.

Perhaps you're in school using a student loan.  Maybe your family is investing for your future.  Or, are they investing in you because you're future is also the family's future?

Deep within you, there's this feeling of anxiety.  Will I spend the rest of my life paying off my student loan?  Will I be able to take the responsibility of managing our family business?  

There are professionals who listen to these kinds of legitimate concerns... Professionals like Joji Pantoja.

 



FINANCIAL PLANNING RESOURCES
FOR CANADIAN STUDENTS

British Columbia student loans links
Related links to information on student loans and financing an education in Canada

Education finances in Canada - RESPs student loans and scholarships
Savings, student loans, RESPs, scholarships and debt to finance a Canadian education

Federal government management of Canada student loans
The Canadian federal government is taking back administration of the Canada Student Loans program from Canada's major banks

Education finances in Canada - RESPs student loans and scholarships
Savings, student loans, RESPs, scholarships and debt to finance a Canadian education

Career guidance for Canadians - skills labour market and occupations
Career guidance resources for students in Canada - labor market, skills assessment, occupations, aptitude tests, choosing a university and work

 



It all started with a simple credit card application I saw at the Student Union Building.

I graduated last year with a bachelors degree... and with $8,000 credit card debt.  That's on top of my student loan.

Joji helped me design a plan to pay my debts...I feel I'm in control again.  Joji helped look at my spending habits from a totally different perspective.  It's a sort of...spiritual?!

JEANNE R., 26
Social Worker

   

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

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DISCLAIMER

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

 

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