José Santiago is a proactive, accomplished financial strategist with deep knowledge of FinTech
(payment systems, mobile money and digital money), financial inclusion strategies and asset
protection, sectors both in UK and abroad.

Graduated in Public Administration and Modern Languages and have started his career as an
auditor then developed to other forms of financial consultation, Wealth Management and then
FinTech with professional qualifications from UK CII (Chartered Insurance Institute), CISI
(Chartered Institute of Securities and Investment) and PFS (Personal Financial Society).

In 1998 José founded LBWTA (Let’s Bring Wealth to Africa) Foundation which helps people
(specially the deprived ones) with unique wealth creation, financial planning and financial
inclusion. LBWTA has offices in London (headoffice), Dubai, Lagos and Nairobi.

In 2020 José founded Umoja Generational Wealth (UGW) which provides Africans and African
Descendants tools and strategies to build, maintain, grow their wealth, power and prosperity
under Ubuntu Principles. We provide training, mentoring and coaching in all thing asset based
wealth for our community. We currently have a subsidiary in Ghana, Umoja Ghana! Umoja
mission is to create 100,000 Asset based millionaires in our community by 2030. We take you by
the hand from Umoja (Unity, Together, Togetherness) to Umnotho (Prosperity, Wellbeing).

Books and eBooks

Regular Contributions to online and printed media including (QUEST, SME Adviser, Femina,
Zambia Online, Arab Business Review).

Radio: Host of “My Money” at 24 Horas Radio and contributor to SLR, PowerXtra and ChoiceFM
Radios and few others.

Speaker and Coach on: FinTech, Digital Money, Mobile Money, Financial Inclusion Strategies,
Wealth protection.

Passionate about our community and about ways to lift us all from the bottom of the pyramid.

Moto: Umoja your money, so we stand!