ABOUT US
At Valow, we believe financial education isn’t just about numbers — it’s about building autonomy, responsibility, and sustainable choices for life.
Born from Oficina das Finanças, Brazil’s leading financial education program, Valow brings more than 15 years of experience helping people rethink their relationship with money. Since 2008, our approach has reached over 500,000 students in more than 1,000 schools, with results consistently validated by the University of Brasília.
Valow is built on a proprietary method that teaches how mastering 6 essential financial skills and behaviors leads to lasting financial sustainability.
Now, we’re planting these seeds in the United States.
Valow is the next chapter of Oficina das Finanças a new name with the same purpose
Welcome to Valow.
Let’s transform financial education together.
Defining Moments
2008 - Creation of Oficina das Finanças
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Founded by Leonardo Silva and Carolina Ligocki, turning life experience into a mission: helping people build healthier, more responsible, and sustainable financial habits.
2013 - Launch of the School Program
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Expanded to schools with a program supporting students, families, and educators in a shared journey of financial learning.
2014 - Academic Partnership
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Partnered with the University of Brasília’s Social Psychology Lab to measure and validate impact with scientific rigor.
2018 -Awards & Recognition
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Winner: Best Financial Citizenship Project at LIFT (Central Bank of Brazil & Fenasbac).
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1st Place: Best Social Impact Project at Impact Hub’s Impacta Cerrado accelerator.
2019 - Partnership with FTD Educação
Collaboration with one of Brazil’s leading educational publishers to expand reach and resources.
2020 - National Expansion
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National campaign during the pandemic distributing Personal Finance Guidance.
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Launch of Dindim’s Findings Collection.
2026 - Valow
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A new chapter: bringing our proven behavioral financial education model to the U.S. and beyond.
VALOW
The Valow logo features two folded bills transformed into a butterfly. This visual symbolizes the transformation of our relationship with money and the behavioral changes that empower people to build long-term financial sustainability.
FINANCIAL SUSTAINABILITY
The symbol of financial sustainability highlights the importance of managing cash flow — regardless of how much money you have. It features three bills in constant circulation, today and into the future, representing an infinite cycle.
The three bills represent three essential areas every financial decision should consider:
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Personal and family well-being
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Social impact
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Environmental responsibility
Financial sustainability isn’t just about how much you earn — it’s about combining behavior, action, and knowledge to make conscious, long-term decisions.