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  Matillano Family, 2021 Meet the Matillano family. Originally from the Philippines, they moved to Hawaii in 2007 in pursuit of a better and secured future. It was no easy feat but this hardworking family was able to purchase their first Maui home in 2015. They were also able to build their dream house back in the Philippines as an additional investment. Fast forward to 2021, parents Ronaldo and Emelia could not be happier as they are preparing for their early retirement. Selwyne, the youngest of the siblings, will be finishing his Nursing degree soon without owing any student loans. His older sisters, Sheila and Shine also have stable jobs in retail and hotel respectively. So, how did this family of five thrive in Hawaii, where the cost of living is highest in the nation? Two words - Financial Discipline.  If you're struggling and still living paycheck to paycheck, Joy Financial Solutions is here to assist you reach your financial goals. To ensure your success, we only offer ...

Have you been recently denied a loan request? Do you have a credit score below 700? Are you planning to purchase a house and need to improve your score asap? We may be able to help you at a fraction of a cost. Meet Kenneth, my very first client, who also happens to be my husband of sixteen years. Back in 2010, his financial health badly needs an immediate resuscitation - to say the very least. He had multiple collection and charge off accounts and his credit score was below 500. After multiple calls to the various lenders and collection agencies and intensive credit repair, we were able to improve his credit. Now, he currently enjoys his 800+ credit score and has also been continuously receiving pre-approved offers. At Joy Financial Solutions, we aim to help our clients meet their short-term and long-term goals. If you want to be a part of the winning team, Joy Financial Solutions is here for you. ☺