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The Difference
FROM where you are now TO where you want to be

"Having touched the lives of many clients, I now feel fulfilled and elated. The past years has been a wonderful joy ride for me. I never thought I would be able to achieve what I did with The Difference". 

-- Bud of Chicago, IL


"It has been exciting for me to become part of The Difference. I'm able to offer excellent service and a complete package to meet our client's financial needs through our Financial Engineering program. The Difference has changed our lives."

-- Joni of Laguna Hills, CA 

"I listen to my clients about their plan for themselves and their family. With the financial tools I carry, one thing is certain, I save their hopes and dreams. That gives me the fulfillment of being able to create and protect the wealth of every family". 

-- Ruby of Puente Hills, CA


"It is so fulfilling to be able to help and make a difference in the financial lives of thousands of people. The rewards of doing this business are great as well... great income with the freedom to enjoy your own time". 

-- Ida of Glendale, CA

"If you want a great business you can be proud of, join The Difference. It's different at The Difference". 

-- Thelma of Las Vegas, NV


"I am proud to be a part of The Difference. Everyone is supportive. No one hesitates to reach out to anyone for assistance.". 

-- Lina of West Covina, CA 


"We are uniquely positioned to help people achieve financial independence through goal protection, cash flow enhancement, and wealth accumulation". 

-- Dan of Las Vegas, NV 

"As a tax professional, being part of The Difference enable me to provide more tax advantages for my clients, both personal and business". 

-- Amy of Beverly Hills, CA


"I love all our products and services. They are good for my family and of course great for my clients". 

-- Lucy of Diamond Bar, CA


"Seeing people learn the significance of Financial Engineering is very gratifying". 

-- Liz of Redondo Beach, CA


It takes time and a lot of hard work before you achieve your dream goals, In the process, unforeseen events happen. And yet, you need to achieve your goals no matter what. You need protection. You want to make sure that your:

  • family needs are provided
  • properties are secured
  • children's college is funded
  • health care is afforded
  • long term care is reliable
  • retirement is funded
  • estate is preserved
  • legacy is achieved 

 Financial Engineering will review all your protection needs and will provide you with suitable solutions.

As a way of saying thank you to our clients with our protection products, we offer free college tuition for children in the family.

Click icon below to learn more.




You net cash flow is your income minus your expenses. If you are spending more than you earn, you are in deep trouble. If you want to get ahead and achieve your goals, you must have money left over to apply towards your goals. To enhance your net cash flow, you must maximize your income while you minimize your expenses.

Most people live paycheck to paycheck because the pull pressure on their money to different directions is stronger than their will power. Even people who made a lot of money were devastated by unexpected events because all the money they made were consumed by their "WANT"s instead of their "NEED"s.

You must have heard the saying "It's not what you make that counts, it is what you keep". Also, you may agree that the pain of discipline now is a lot better than the pain of regret later.

Financial Engineering will offer you an array of income solutions and money saving options to raise your net cash flow.

We offer very fulfilling careers that will greatly raise your cash flow. Become one of our Financial Engineers or BagongPlaneta VIP Hosts enjoying unlimited income. 

Or enjoy the easiest way to have lifetime with GDI. You'll be amazed how easy and fun this is.

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Most people can't imagine becoming a millionaire, but you can be a millionaire in your lifetime. Yes, you can!

Most people worked between the age of 20 and 65. That's a total of 45 years. A person with an average annual income of $24,000 would have earned $1,080,000 over a lifetime. The thing is, none or very little part of it is saved.

Achieving financial security means building a net worth that's enough to sustain needs for a lifetime. Net worth is your total assets minus all your liabilities. Bankruptcy is when your liabilities are more that your assets. Net worth is also how a person or an entity is valued.

Enhanced cash flow is the way to start accumulating assets and eliminating liabilities, thus building your net worth.

Procrastination and inflation are the worst enemies when building your net worth. Procrastination wastes time, and time is the most important factor in compounding the value of money. Inflation eats your money if you don't know how to manage it.

Financial Engineering provides the right vehicles to help you reach and achieve your desired net worth destination.

Click links and icons below for useful financial tools. 





 A family man, of faith, and armed with a license and degree in BSChE and MBA, Gerry Grindulo serve in the engineering and financial arena.

 Gerry became licensed to conduct financial services in the insurance industry on May 1994 in the state of California, on July 2008 in the state of Illinois, and on August 2002 in the state of Nevada, followed shortly by a real estate license. Gerry was federally licensed on November 1994 to do business in the securities industry in the U.S.

 In 1997, in order to make a difference in the lives of many, Gerry formed and incorporated his company

The Difference

The Difference takes Gerry's clients from where they are now to where they want to be through its own

 Financial Engineering.

 Born in the Philippines, Gerry serves mostly Pinoys in the US. And to reach more kababayans, he created 

to link overseas and entrepreneurial Pinoys together with the mission of empowering the Pinoy community.


 Gerry hopes that his
Financial Engineering & BagongPlaneta.com
help Pinoys achieve
their financial goals
and be able to send
more money to their
love ones, travel more often and bring in
more money to our
native land, and
invest or purchase
home in our homeland
-- an endeavor that
may eventually impact
Philippine economy.

The biggest mistake is relying on others to make your financial decisions. Advice are helpful but are mostly selling products that may not suit your needs allowing others to control you. Yet, nobody cares about you like you do.

You can’t control Social Security but you can control your retirement. You can’t control your employer but you can control your sources of income. You can’t control IRS but you can control ways to reduce your taxes. You can’t control inflation but you can control your saving’s strategies. Dependence is insecurity, control is independence, and independence is security.

Know where you want to go so you can start moving in that direction and know where you are every step of the way. Decide now what you’re willing to do to reach your goal. It isn’t all sacrifice. it is exciting, inspiring, and very rewarding. No one who is financially secure now ever regrets his decision to do what it took him to get there.

Ahead is a proliferation of financial products. It is crystal clear; financial security belong to those who utilize the best financial programs available today.
So, if you didn't do it yet, let us help you...


The dream of becoming financially secured is becoming just that—an impossible dream. People are unsure of their future. The good news is that we still have a solution.

Most things of value comes with an instruction guide. But not money. Our first paycheck which we work so hard for, should have included an instruction manual. Instead, you’re on your own. Yet what you don’t know could lead you to a life of struggle and hardships, instead of security and peace of mind. We went to school, yet nowhere are we taught how money works. As a result, most people develop bad money habits that follow them throughout their lives.

Have you tried to calculate the amount of money you need to retire on? Do you think it is too complicated? Are you too busy to take the time to crunch the numbers? Do you know how to get to where you want to be—from where you are now?

If you think financial plans are too complicated, think again. It is nothing but a few basic concepts. Financial security is just the result of choices you do from day to day.
















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