Ronald Di Nardo Filho
I work with personal financial organization for people who need to turn income, expenses, debt, credit cards, installments and priorities into diagnosis and action plan.
The starting point is real financial life: what comes in, what goes out, what is already committed and what needs to be faced first. No promises, no author vanity, no financial product for sale.
Money without organization turns into smoke. The diagnosis shows where it is going. The plan defines what to do from now on.
Why I Work with Financial Organization
From 2011 to 2024, I worked full time as Financial Director at a commercial installations company in São Paulo, with direct responsibility for corporate finance and financial leadership, for almost 13 years. Today, with ANBIMA CPA certification, I apply that practical experience to the financial organization of individuals and companies in Araxá and the surrounding region.
This background creates a direct reading: money is rarely just a number. It involves routine, pressure, family, consumption, urgency, decision and consequence.
Someone who arrives disorganized does not need motivational speech or a coaching formula. They need method, clear language, honest limits and an order of priorities that fits the reality of people who work, get paid, pay bills and survive every month.
What I Deliver in Practice
Real financial reading
Income, expenses, debt, credit cards, installments, recurring costs and priorities turned into a readable diagnosis, not an intimidating spreadsheet.
Language without banking filter
I explain money without cold jargon, humiliation or empty motivational talk.
A plan that fits the month
The focus is deciding what to do first, what to cut, what to monitor and how to reduce improvisation over the next 30 days.
Method with reach
The same reasoning guides individual consulting, lectures for companies and schools, books and articles.
My Certifications
My work combines practical experience, continuous study and financial-market certifications. The current base includes the ANBIMA CPA certification and 7 ANBIMA EDU microcertifications in banking services, financial service, innovation, financing and consortium, self-regulation, ethics and compliance, and economics.
All 8 certificates are available in PDF.
Important
What I am not and what I do not do
I do not promise wealth
I do not sell magic formulas, guaranteed returns, approved credit, miracle investments or automatic debt renegotiation.
I do not replace your responsibility
I organize the diagnosis, show paths and help build the plan. Execution depends on decision, discipline and follow-up.
I do not sell banking products
The focus is organization, clarity and action plan, without turning service into a showcase for financial products.
Technical limit
The consulting service does not replace a bank, accountant, lawyer, certified financial planner or securities advisor.
Contact
Direct channels
When you contact me, your data will be used only for reply, initial analysis and service.
Consultant Letter
A direct letter about money, behavior, debt, consumption and real-life decisions. No promise of wealth. No recycled text. No shouting.
Subscribe to the letter
You receive one edition every fifteen days, with practical diagnosis, short reflection and one question to improve your relationship with money.
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