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Financial Warrior Ph, Makati (2026)

17/07/2026

🚨 “May Bahay Ka. May Lupa Ka. Pero… May CASH Ka Ba Para sa Estate Tax?” 🤔

Maraming Pilipino ang nagsasabi…

💬 “Okay na kami. May bahay naman kami. May lupa naman kami. May negosyo naman kami.”

Pero ito ang tanong na bihirang pag-usapan…

❓Kapag may nangyari sa’yo bukas, may sapat bang CASH ang pamilya mo para mabayaran ang estate tax?

Sa Pilipinas, may 6% Estate Tax na kailangang bayaran bago tuluyang mailipat sa mga heirs ang mga ari-arian.

Halimbawa:

🏠 Bahay – ₱15M
🌾 Lupa – ₱10M
💰 Savings – ₱1M

Pagkatapos ng allowable deductions, sabihin nating ang net taxable estate ay ₱20M.

➡️ 6% Estate Tax = ₱1.2 Million

Ngayon isipin mo…

Kung ang pera mo ay halos nasa bahay, lupa, o negosyo, saan kukuha ang pamilya mo ng ₱1.2M na cash?

Marami ang napipilitang:
❌ Ibenta ang bahay.
❌ Isanla ang lupa.
❌ Mangutang.
❌ O ibenta ang negosyo.

Hindi dahil mahirap sila…

Kundi dahil kulang sila sa CASH.

💡 Dito mo makikita ang tunay na halaga ng LIFE INSURANCE.

Maraming tao ang iniisip na ang life insurance ay para lang sa funeral expenses o death benefit.

Pero ang isa sa pinakamahalagang gamit nito ay ang pagbibigay ng agarang CASH sa pamilyang maiiwan.

Ang cash na iyon ay maaaring makatulong para:
✅ Mabayaran ang estate tax.
✅ Hindi mapilitang ibenta ang bahay, lupa, o negosyo.
✅ Mapanatili ang mga ari-ariang buong buhay mong pinaghirapan.
✅ Mabigyan ng panahon ang pamilya na makapagdesisyon nang hindi nagmamadali dahil sa kakulangan ng pera.

Hindi ang estate tax ang sumisira sa legacy ng isang pamilya. Ang kakulangan ng CASH ang kadalasang nagiging dahilan.

💡 Kaya mahalaga ang tamang financial planning at ang tamang paggamit ng life insurance bilang bahagi ng iyong estate plan.

Sa IMG, layunin naming turuan ang bawat pamilyang Pilipino kung paano:
✅ Maghanda para sa estate tax.
✅ Gamitin ang life insurance bilang source of financial liquidity para sa pamilya.
✅ Mag-ipon at mag-invest nang tama.
✅ Protektahan ang kanilang yaman para sa susunod na henerasyon.

📚 Hindi ito tungkol sa pagbebenta.
Ito ay tungkol sa financial education—isang kaalaman na sana mas maagang naituro sa ating lahat.

📩 Curious ka kung paano ginagamit ng maraming financially prepared families ang life insurance para maprotektahan ang kanilang mga ari-arian at pamilya?

Comment “ESTATE” or send me a PM.

🎓 I’ll also invite you to our FREE Financial Literacy Seminar by IMG, where you’ll learn:
✔️ Estate Planning
✔️ Life Insurance
✔️ Investments
✔️ Retirement Planning
✔️ Wealth Protection

💙 The greatest inheritance is not just wealth… it’s making sure your family doesn’t have to sell it.

11/07/2026

Here’s the hard truth: if you rely on SSS and GSIS alone, retirement may not be enough.

That is why BSP is encouraging Filipinos to open a PERA account—and why this conversation matters.

Why PERA Alone Is Not Enough

The real issue is not whether Filipinos can open an account. It is whether they are financially prepared to make it grow. That is where IMG has been making a difference for years.

If you’ve ever asked, “How do I prepare for retirement the right way?” the answer is not just to open a PERA account. It starts with financial education.

PERA (Personal Equity and Retirement Account) has been around for years, yet many Filipinos still do not fully understand how it works. I opened my PERA account through DragonFi expecting it to function like a simple retirement savings account, but I quickly learned that PERA does not automatically grow your money. You decide where to invest it.

You can choose from eligible investments such as stocks, mutual funds, UITFs, government securities, and other approved retirement options. Your retirement outcome depends on the decisions you make today.

That is why the challenge is not only getting more Filipinos to open PERA accounts. It is helping them understand:

* How investing works
* How risk and returns affect their future
* How to build a long-term retirement portfolio
* How to make money work for them

Why IMG Matters

This is where IMG becomes essential. IMG is not just about financial products. It is about helping families become financially educated so they can save, invest, protect, and grow their money with purpose.

Many people do not fail in retirement because they lacked an account. They fail because they lacked knowledge. They opened accounts they did not understand, invested in things they could not explain, or started too late.

If you want to understand PERA, investing, and retirement planning in a simple and practical way, IMG can help.

Join IMG if you want:

* Financial education that makes sense
* A community that teaches wealth-building
* Guidance on preparing for retirement early
* A better future for your family
* A system that helps you take action

Without financial education, many people may open a PERA account but never maximize it—or make decisions they do not fully understand.

Retirement is not built by opening an account. It is built through knowledge, discipline, and consistent investing.

Before we tell every Filipino to open a PERA account, we must first help every Filipino become financially educated.

Because financial literacy—not just financial products—is what truly changes lives.

If you are ready to learn, grow, and take control of your financial future, join IMG today.

Financial Warrior Ph

19/06/2026

💭 Imagine kung ang PhilHealth Contribution mo ay hindi lang para sa hospital bills.

Imagine kung may kasama itong:

🏥 Healthcare Coverage

🛡️ Life Insurance Protection

💰 Health Savings

👴 Retirement Fund

Hindi lang magagamit kapag naospital ka, kundi maaari ring makatulong sa iyo at sa pamilya mo habang ikaw ay tumatanda at kahit retired ka na.

PhilHealth may remains an important foundation of healthcare protection for every Filipino. It helps reduce a portion of medical expenses and provides healthcare assistance to millions of Filipinos.

But in a world of rising medical costs and life's uncertainties, many families must learn to build an additional layer of protection.

Because what if...

❓ You die too soon?
➡️ Your family may need financial support.

❓ You get sick?
➡️ Healthcare costs can quickly drain your savings.

❓ You live too long?
➡️ You may need funds to support your retirement years.

This is where Kaiser Ultimate Health Builder comes in.

✅ Healthcare Protection

✅ Life Insurance Benefits

✅ Long-Term Care Planning

✅ Health Savings Component

✅ Retirement Preparation

While PhilHealth primarily focuses on healthcare assistance, Kaiser is designed to help address three major financial risks in life: dying too soon, getting sick, or living too long.

Another key difference:

💙 PhilHealth members generally need at least 120 monthly contributions (about 10 years) or more and a retirement qualification to become Lifetime Members.

💚 Kaiser members typically pay for only 7 years while building healthcare protection, life insurance coverage, and long-term health savings according to plan provisions.

When it comes to your health and your family's future, it's better to be overprepared than underprepared.

Don't rely on just one layer of protection.

Build multiple layers of financial security today.

📩 **Ready to learn how Kaiser Ultimate Health Builder can fit your budget and financial goals?**

Send me a message today for a FREE Financial Check Up and personalized Kaiser proposal.

⏳ The younger and healthier you are, the more options you have.

Start planning today. Your future self and your family will thank you for it.

20/05/2026

Why now, Bangko Sentral ng Pilipinas?

Financial literacy in the Philippines has long been overdue. For years, many Filipino families have struggled without proper financial education which resulted in debt cycles, lack of savings, and limited awareness about investing and financial protection.

So what changed? Why the urgency now?

Is it the rising cost of living?
Is it the growing number of Filipinos living paycheck to paycheck?
Is it the realization that a financially prepared nation is key to long-term economic stability?

While this national push is gaining momentum today, the reality is International Marketing Group (IMG) has already been doing the work for more than 20 years—actively promoting financial literacy and working toward its mission of educating 30 million families by 2030.

Now the bigger question becomes: How can BSP support and amplify this mission?

BSP can help by:
• Strengthening nationwide financial education programs in partnership with private organizations already on the ground
• Promoting policies that encourage saving, investing, and financial protection
• Expanding access to financial tools and digital banking for more Filipinos
• Supporting grassroots financial literacy initiatives in communities and schools
• Championing stronger public-private collaboration to accelerate financial education nationwide

And perhaps one more important piece: If more Filipinos become open-minded about financial education and long-term planning, the impact could multiply faster.

Filipinos, don’t wait for BSP.
Learn how money works. Take control of your finances now. Join International Marketing Group!

04/05/2026

🚨 Looking for a career that actually grows with you?

What if the effort you give today could still pay you years from now?

Most careers pay you once for the work you do.
But as an Independent Business Owner with International Marketing Group, you can learn, earn, and build long-term income while helping families become financially educated.

💼 Not just selling — you’re building a financial education mission
📈 Earn from personal production + team growth
🎓 Free training, mentorship & proven system
🌍 Be part of the movement teaching people how money really works
🏆 Part-time or full-time — your growth depends on you

Now imagine having access to the entire financial industry in ONE platform.

Instead of choosing one path, you gain access to a complete financial ecosystem so you can grow your knowledge and income at the same time:

🏥 Healthcare & HMO solutions
🛡 Life & Non-Life Insurance
🏦 Banking & Debt Management tools
📈 Investments & Mutual Funds
🏠 Real Estate opportunities
🤝 Allied financial services

You’re not limited to one product or one income stream — you’re positioned to educate, earn, and build a long-term business in a fast-growing industry.

✨ Education & training provided
✨ Commissions + referral income
✨ Rewards, travel, community & support
✨ A mission to help people go from spenders to savers

If you want a rewarding career with purpose, income potential, and long-term opportunity, this is your sign.

📩 Message me now to learn how to start.

03/05/2026

ISA KA BANG OFW NA… hanggang ngayon ay kayod kalabaw pa rin pero wala pa ring ipon?

Puro resibo ng padala…
pero sariling future mo, parang nakalimutan na?

❌ Matagal ka nang nagtatrabaho abroad
❌ Pero may utang pa rin at mabigat ang obligasyon sa pamilya
❌ Gusto mong mag-ipon, makabayad ng utang, makapagpundar…
❌ Pero laging ubos ang pera

At mas mahirap…

⚠️ Wala pang healthcare
⚠️ Pagod na ang katawan
⚠️ Pag-uwi sa Pilipinas… kapos pa rin

💭 Tanong… gaano katibay ang financial foundation mo?
💭 Darating pa kaya ang panahon na giginhawa ang buhay mo?

👉 GOOD NEWS. Hindi pa huli ang lahat.

May paraan para mabago ang takbo ng buhay mo.

✨ Sa IMG (International Marketing Group), tuturuan ka kung paano:
✅ Magsimulang mag-ipon kahit maliit ang kita
✅ Makabayad ng utang step-by-step
✅ Makapagpundar para sa pamilya
✅ Makapag “for good” sa Pilipinas na may peace of mind

📊 At higit sa lahat—
ituturo sa’yo kung paano i-set up ang matibay na FINANCIAL FOUNDATION
para masolusyonan ang 3 major financial needs mo:
✔️ Protection (Life Insurance)
✔️ Healthcare
✔️ Investment

🔥 Break the cycle.Alamin kung paano e-secure ang kinabukasan mo at ng pamilya mo.

💬 MESSAGE ME to learn how to start.
Walang pressure—usap lang tayo.

Baka ito na ang sagot na matagal mo nang hinihintay. 💙

03/05/2026

Gusto mo mag-FREELANCE… pero ayaw mo mawala ang HMO?

Or baka freelancer / VA ka na ngayon…
pero wala ka pa ring maayos na healthcare protection? 😟

Marami akong kilalang empleyado na gustong umalis sa work…
pero napipigilan dahil sa HMO benefits.

Kasi aminin natin —
kapag nawala ang HMO, parang wala kang safety net. 😟

Pero eto ang GOOD NEWS 👇

Habang employed ka pa, pwede mong simulan ang Kaiser
para may sarili kang healthcare plan —
kahit mag-resign ka, protected ka pa rin. ✅

💡 Hindi lang ito para sa mga magpa-plan pa lang…
👉 Para din ito sa freelancers, VAs, at self-employed
na walang company benefits.

Real talk… bakit hindi sapat ang traditional HMO?

❌ Hindi guaranteed ang renewal kapag mataas claims
❌ Tumataas ang premium every year
❌ Hanggang age 60 lang coverage
❌ Walang ipon — pag di mo nagamit, thank you nalang 💸
❌ Walang return of premiums
❌ Limited or maliit ang insurance coverage
❌ Hindi flexible at tuloy-tuloy ang bayaran

👉 In short: gastos lang siya, hindi asset.

Now compare that to KAISER (Long Term Care):

✨ May healthcare ka na (HMO alternative)
✨ May life insurance ka pa
✨ May investment / savings component
✨ May accumulation ng unused funds
✨ May Return of Premiums (ROP)
✨ Coverage up to age 100
✨ Flexible — kahit mag-freelance ka, tuloy pa rin protection mo

💡 Dito, hindi sayang ang pera mo.

💰 Start for as low as ₱88/day
(Sobrang Mura)

So if plano mong umalis sa work…
or freelancer/VA ka na ngayon —

👉 Don’t sacrifice your health security for freedom.

Pwede mong makuha BOTH.

📩 Message me to learn how you can secure your health + future
kahit wala kang company HMO.

02/05/2026

💔 Isang sakit lang… pwedeng maubos ang lahat. Protect yourself and your family habang maaga.

Alam mo ba? Isa sa Pangunahing dahilan kung bakit nababaon sa utang ang maraming Pilipino ay dahil sa isang malubhang karamdaman—o mas masakit, dahil wala silang healthcare.

Maraming Pilipino ang hindi makapagpachek-up sa doctor dahil sa mahal raw at magastos…
Hanggang sa huli na ang lahat at saka pa lang malalaman na malala na pala ang sakit nila.

👉 What if… you die too soon?
👉 What if… you got sick?
👉 What if… you live too long?

Ito ang 3 realities na dapat nating paghandaan at solusyonan:

✅ Life Insurance – proteksyon para sa pamilya mo
✅ Healthcare – Libre na ang pagpagamot anytime
✅ Investment – para may income ka kahit tumanda ka

🔍 Traditional HMO vs Long-Term Healthcare (Kaiser):

❌ Traditional HMO:
– Tumataas ang premium every year
– Sayang ang pera mo kapag hindi nagamit
– Walang ipon o balik
– Limited coverage (usually hanggang age 60)
– Renewal not guaranteed kapag mataas ang claims

✅ Kaiser Ultimate Health Builder:
– Fixed payment period (7 years)
– May health fund na naiipon with interest
– Kung healthy ka buong taon, may bonus pang 10%
– May insurance + investment + healthcare in one
– Coverage beyond age 60 (long-term care)
– May return of premiums kapag hindi nagamit

✨ ALL-IN-ONE solution for your protection and your family’s future

💡 Pwede kang magsimula for as low as Php 88/day.

Hindi sapat ang “bahala na.”
Ang tanong: Handa ka ba kung may mangyari bukas?

📩 Message me to learn how you can protect your health, your income, and your family—before it’s too late.

Financial Warrior Ph

17/07/2026

11/07/2026

19/06/2026

20/05/2026

04/05/2026

03/05/2026

03/05/2026

02/05/2026

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