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You’re in your 20s or 30s. You’ve landed a job at Ardent, you received your quarterly bonuses and other incentives, and life is finally starting to make sense. You might even be thinking — “I’ll start saving when I earn more,” or “I’ll worry about investments later, right now I just want to enjoy what I’ve worked for.” So you think about your next trip, your next car, or maybe a small purchase. But here’s what’s quietly slipping away while you’re focused on those goals: The

Money is an emotional subject in Filipino culture. We work hard, we sacrifice, and we give — often putting our families’ needs before our own. But somewhere between utang na loob (debt of gratitude), padala (remittances), and pakikisama (wanting to help others), we sometimes forget one important person to take care of: our future self. At Ardent Paralegal , we’ve seen these realities firsthand. And this is exactly why we built the Ardent Provident Fund (APF) — to help eve

When people think of retirement, most imagine a one-time payout — a lump sum after years of service. But what if your retirement fund could grow steadily during your career , not just wait until the end? That’s the main difference between a traditional retirement fund and a provident fund . Both are designed to support you after work, but only one helps you build real wealth while you’re still working. Let’s take a closer look at how the two compare — especially in terms of

We Believe that the Philippine Retirement Laws are Not Enough to Secure Financial Freedom. In most Philippine companies, retirement planning stops where the law begins. The Retirement Law requires employers to provide retirement pay — usually calculated as one month’s salary for every year of service. It’s a baseline benefit, but for many hardworking professionals, that amount simply isn’t enough to ensure long-term financial security. At Ardent Paralegal , we believe our peo