We live in times of TRANSFORMATIONS. This transformation includes MONEY. It will change. Our FOCUS on the material WORLD is on the test bench. In the future, we will give more importance to inner VALUES. Thus, a BALANCE will be created between our material FOCUS and our inner VALUES. So, it is all about us HUMANS. We are going through a great TRANSFORMATION.

RAFAEL helps people in this transformation PROCESS. And with MONEY & SPIRIT, he initiates a new worldwide MOVEMENT and brings us to higher CONSCIOUSNESS. His concern is a new MONEY THINKING as well as the promotion of the YOUNG GENERATION.