Your Financial Health Begins with Planning.
Nobody wants to fail, but many fail to plan—often until it is too late. Our team provides the professional planning and execution necessary to ensure you remain financially secure.
EMMANUEL C. FRANCISCO, LUTCF
President
"Our group is here to help you define your goals and use the right tools to manage risks, so the dreams you hold today can become the achievements of tomorrow."
Testimonials
See what our clients have to say about our services.
Read ReviewsOur Legacy
Discover a 40-year tradition defined by trust and exceptional professional integrity.
Learn MoreProtection Plans
Solutions for families and businesses to secure the future.
See ServicesContact Us
Reach out today with questions or to request a personalized quote.
Get In TouchOur Company
A well-established financial services group committed to serving the needs of our clients with the highest professional standard and integrity.
Our Vision
To be a recognized and highly respected business leader, serving the needs of our clients with excellence.
Our Mission
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Help individuals and families establish a solid financial foundation upon which to build their future economic goals.
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Provide the highest quality products and services to our clients.
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Enhance our position as a recognized and highly respected business leader.
Affiliations
Our Core Values
Integrity First
Maintain the highest level of honesty, credibility and integrity in our relationships with our clients and with one another.
The Golden Rule
Adhere to the principles of the Golden Rule - treating our clients the way we would also want to be treated.
Legacy Focused
Work for the greater good of our clients as a legacy to the next generation. The client always comes first.
Filipino Identity
Encourage diversity without losing our unique Filipino identity and heritage.
The History of PPFG, LLC
The history of Professional Provider Financial Group, commonly referred to as PPFG, LLC, dates back to the mid-1980's. As fate would have it, Emmanuel "Manny/Nuel" Francisco met Jaime "Jimmy" Malimban at a Meineke Repair Shop in Edison, New Jersey.
This chance encounter at the most unlikely setting brought about a beautiful friendship between them and successful careers in the insurance business. Both advanced their careers as professional financial planners with several licenses and earned well-deserved designations as LUTCF and Qualifying Members of the Million Dollar Round Table (MDRT).
In 2002, Emmanuel & Jaime created a partnership in brokerage with the main goal of providing better recommendations of financial products to their clients based on their needs. This led to the creation and establishment of Professional Provider Financial Group in 2004.
Sadly, their relationship and partnership ended abruptly in 2006 with the untimely passing of Founding Partner, Jaime Malimban. Left with the daunting task of continuing the vision, Emmanuel persevered with utmost determination to assist in providing the financial well-being of each client and their loved ones for years to come.
Today, Emmanuel leads a dedicated team of licensed professionals who share in the original vision. From humble beginnings in a car repair shop to the formation of the partnership, PPFG, LLC strives to ensure that the financial decisions you make now will lead to security, prosperity, and a promise of a bright future that will give you peace of mind.
A New Chapter: Building Legacies
As we look to the future, a new chapter is unfolding with Noelice Donnelly, Emmanuel's daughter, joining the leadership to help take this legacy to the next level. Noelice brings a new dimension to our work—specialized guidance on medical and health insurance.
Under her leadership, PPFG, LLC will continue to be a place where we help people build legacies—healthier, stronger, and more secure than ever before. We look forward to building lasting legacies with Noelice leading the way into a new era of comprehensive protection.
Meet Our Team
Dedicated experts committed to your financial security.
Leadership
EMMANUEL C. FRANCISCO, LUTCF
President
Associates
Alice Francisco
Associate
Augustine Cruz
Associate
Noelice Donnelly
Associate
Marissa Taguinod
Associate
Amfil Bagunas
Associate
Nenita Villavicencio
Associate
Geremy San Agustin
Associate
Domingo Ramos
Associate
Joan Ramos
Associate
Sandra Puente
Associate
Tamer Nasr
Associate
Jennifer Angeles
Associate
Regis Dela Cruz
Associate
Company Events
Stay connected with our latest updates and community gatherings.
Client Appreciation 2024
A wonderful day dedicated to our valued clients. We gathered to express our gratitude for your continued trust and partnership. It was a day filled with meaningful connections, updates, and appreciation.
Annual Gathering
Community Focus
Client Appreciation 2019
Our memorable 2019 gathering celebrating the trust, relationship, and community of our clients. A beautiful afternoon filled with joy, gratitude, and mutual appreciation.
Previous Gathering
Tradition of Trust
The Financial Foundation Framework
Building the essential blocks for long-term stability
Philosophy:
The Reality Check: Why a Financial Plan Needs a Base
Imagine your money as a financial pyramid.
Most people want to skip straight to the exciting top layers—investing in stocks, crypto, or buying real estate. But if you build a pyramid from the top down, it becomes top-heavy and completely unstable.
Without a rock-solid foundation at the very bottom, you are building a house of cards.
The Real Danger of Skipping the Base
The bottom layer of your financial pyramid isn't about getting rich; it’s about staying rich. It represents your safety net: life, health, and disability insurance.
If you omit this base, you are exposing your entire lifestyle to massive risk. The reality is brutal:
- A single bad accident
- An unexpected medical diagnosis
- An injury that keeps you out of work
Without that foundation, a crisis won't just hit your savings—it will completely invert the structure. Your investments will have to be liquidated, your assets sold off, and a lifetime of hard work can be wiped out instantly.
The "Tiered" Methodology
Tier 4: Growth & Volatility
Lesser Focus & Allocation
- Stocks
- Mutual Funds
- Options & Speculation
Tier 3: Properties & Hard Assets
Intermediate Accumulation
- Real Estate
- Personal Properties
Tier 2: Savings & Liquidity
Conservative Accumulation
- Savings Accounts
- Certificates of Deposit (CDs)
- Money Market Accounts
Tier 1: Protection (Foundation)
Primary Priority & Risk Management
- Life & Health Insurance
- Disability Income Insurance
- Long Term Care Insurance
- Car & Home Owner's Insurance
- Retirement Programs
The Bottom Line: You can't safely grow your wealth until you've protected it. Secure the base of your pyramid first, or a single bad day could trigger total financial ruin.
How We Help
“The right tools applied with skill, create lasting financial security”
Life Insurance
Permanent and Term Life product solutions to protect family needs and cover final expenses. Permanent plans can build accessible cash value.
Disability Income
Protecting your most important asset: your ability to earn. We recommend replacing at least 60% of earnings.
Medicare & Health Insurance
Navigating Indemnity, Managed Care (HMO/PPO), and tax-advantaged HSA/HDHP options.
Retirement Planning
Income you cannot outlive through annuities and dedicated plans to protect assets from rising medical costs.
Business Planning
Group benefits, Buy-Sell agreements, Key Person protection, Executive Bonus 162, and Pension/401(k)/IRA plans.
Legacy
Expert guidance on the strategic transfer of wealth to heirs.
Estate Planning
Protecting your hard earned assets by minimizing tax bite.
Our Impact
Real stories of wealth protection and future growth
"As a full-time nurse and mom who takes care of her family, I needed someone to help me attain my dreams of a better future. My limited knowledge on insurance in the early 80's changed after I met Mr. Francisco. His thorough explanations were delivered patiently..."
- Irene Antolin
"I was a nurse on a working visa when I arrived NY in 1982. It was at a party at Seaview Hospital and Nursing Home were I met Mr. Francisco. Our chance meeting led to talks about benefits and insurance which led me to purchasing a whole life and disability policy..."
- Brigitte San Juan
"I met Mr. Emmanuel Francisco through a mutual friend in 1990, and soon I acquired a Life Insurance policy after some convincing. As I approached the age of retirement, I debated on how to manage my accumulated retirement funds..."
- Belen Vales
"When I bought life insurance I was in perfect health. A few months after, during my routine health exam, I was diagnosed with breast cancer. I didn't realize at the time that one of the major benefits of the policy is the accelerated living benefit rider..."
- Dina
"I came to the US in 1980 and being new, I always thought that insurance is a must-have tool to financial security. However, I never trusted anyone. In 1982, I got married and we met Emmanuel Francisco during his first year as an agent..."
- Maria Acierto
"I immigrated to America in 1986 and I had no idea what the future had in store for me. With no relatives around and only a handful of friends, I was living my life one day at a time. Then I met Mr. Francisco..."
- Betsy Bolido
"My sister introduced my husband and I to Mr. Francisco after she acquired a life insurance policy through him. He gave us a very thorough explanation about the 'what's' and 'how's' of having insurance which enabled us to purchase our own policy..."
- Linda Razo
"I met Mr. Francisco in 1996 at my first job. He was very helpful and friendly and made me feel as if I had known him for a long time. Early on, I had a family emergency and I needed some cash. I was able to use the cash value in my policy..."
- Mariano Morales
"I cannot find the best adjectives to describe my deepest appreciation for the services that you have extended to me. I can never thank you enough for all the efforts, kindness and goodness you have done for me since November 1985 to the present..."
- Milda Bayle
"I just want to say thank you so much for all your help putting my retirement lifeline in proper direction. I just realized how special I am that you did an extra travel just to deliver my policies and make sure you explained everything to me..."
- Flora Janda
Video Testimonials
Take the First Step
Clear guidance to help you plan with confidence
Connect with Us
Office Location
18 Foxhill Run, Monmouth Junction, NJ 08852
Direct Lines
T: 732-329-8443
Email Support
ecfrancisco@ppfgllc.com
Team Availability
Our team includes 10+ licensed agents dedicated to your specific regional and product needs.
Terms of Service
Last Updated: May 6, 2026
1. Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. In addition, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services.
2. Description of Service
Professional Provider Financial Group LLC (PPFG) provides users with access to information regarding financial planning and insurance products. You understand and agree that the Service is provided "AS-IS" and that PPFG assumes no responsibility for the timeliness, deletion, or failure to store any user communications or personalization settings.
3. Privacy Policy
Information collected by PPFG is subject to our Privacy Policy. For more information, see our full privacy policy below.
4. Disclaimer of Warranties
The information on this website is for informational purposes only. PPFG makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
5. Professional Advice
The information provided on this website does not constitute investment, tax, financial, legal, or other advice. You should consult with a professional financial advisor regarding your specific situation.
6. Modifications to Service
PPFG reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice.
Privacy Policy
Last Updated: May 6, 2026
1. Information We Collect
We collect information you provide directly to us, such as when you request a consultation, sign up for our newsletter, or contact us. This may include your name, email address, phone number, and any other information you choose to provide.
2. How We Use Your Information
We use the information we collect to provide, maintain, and improve our services, to communicate with you, and to respond to your inquiries. We do not sell or share your personal information with third parties for their marketing purposes without your explicit consent.
3. Data Security
We take reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction.
4. Cookies
We may use cookies and other tracking technologies to collect information about your browsing activities over time and across different websites following your use of our services.
5. Contact Us
If you have any questions about this Privacy Policy, please contact us at ecfrancisco@ppfgllc.com.