Your Financial DADvisor

02/10/2023

When it comes to securing the future of your children, one of the best gifts you can give them is a good education.
However life is full of uncertainties that hinders us to achieve this goal, that is why it is important to have a back-up plan when this happens.
Whether it is Sickness, Accident, Death or for short "SAD", we can assure that they will be future ready. All it takes is to plan and take action.
The real question is how?
For free financial planning, kindly message me or atleast reach out to any financial advisors you may know!

22/10/2022

Others might say that they don't have the money due to their expenses, but who will pay this expenses when something happens?

Imagine all the benefits that we could get for as low as 45Php/day.
A comprehensive health insurance that will cover you until the age of 100 with the following benefits:

a. 114 Major / Minor Illnesses
b. Cash Value option
c. Life insurance protection
d. Guaranteed Cash Endowment
e. Health and Wellness Benefit
f. Special Bonus and Dividend earnings

Start to plan as early as you can
Start to act before it's too late

Message this page for the full details

11/10/2022

Insurance Policy
"Gastos para sa iba, Achievement naman kung ituring ng karamhinan"

Gastos talaga ang pagkakaroon ng insurance policy, syempre hindi ito libre. Pero ito yung gastos na may balik.

Achievement naman para sa karamihan, baket?
Tulad ng pagbili ng bahay, kotse, magandang cellphone, travel, etc., pinaghirapan ng isang tao ang pagkuha ng insurance.

Pero san mo ba pwedeng gamitin ang insurance?
Sa buhay ng isang tao merong apat na stages:

1. Getting Started "Building confidence and independence"
- ito yung mga mga taong nagsisimula palang magtrabaho o kumita ng pera, ito rin yung tamang oras para magplano kung saan natin dapat gamitin ang pinaghirapang pera.
- Having an insurance at this early stage in life creates a habit of saving/investing.

2. Moving Up "Prioritizing Family Above All"
- Dito papasok yung pag paplanong ginawa mo during your early stage in life (Getting Started). Mas malaki ang magiging expense kumpara nung una. Kung dati pa ambag ambag lang tayo sa bahay, this time sagot mo na lahat, which means mas mahirap ng magipon o maginvest.
- Mga posibleng madagdag sa ating expense ay utilies (kuryente + Tubig + Internet), renta ng apartment o kaya naman ay monthly sa pagibig/banko, groceries, etc. Kung meron ka namang anak ay may karagdagang tuition, allowance, miscellaneous, etc.

3. Preparing Ahead "Nurturing health and wealth"
- Ito yung estado ng buhay na kailangan mong protektahan kung ano ang meron ka, tulad ng bahay, kotse, business, etc. pano?
Bukod sa savings pwede mo din gamitin ang iyong insurance para pambayad pag dating ng sakuna. Hindi yung tipong mabebenta pa ang lahat ng pinaghirapan mo.

4. Leaving a Legacy "Ensuring Lasting Golden Years"
- Dito papasok ang retirement at estate planning, sa mga panahong ito baka umasa nalang tayo sa pension dahil hindi na tayo makapagtrabaho. Bukod sa pension na pwede mong makuha sa gobyerno, meron kang aasahan na retirement fund na matagal mo ng sinimulan.

Mahirap magsimula oo, pero baka kulang lang naman sa plano.
Kung kailangan mo ng katulong magplano, usap tayo.

07/10/2022

Sa pagkuha ng insurance time is essential, baket?

1. Premium
- Mas mataas ang premium kapag mas matanda, syempre dahil mas nagiging prone tayo sa sakit

2. Fund allocation
- Kung meron kang pinaglalaanan ng pera, maiiwasan mong magastos ang pera mo sa ibang bagay na hindi mo kailangan.

3. Long term investment
- Ang insurance ay isang long term investment dahil ang coverage nito ay hanggang pag tanda mo na. If we start early, we could finish early.

4. Building the habit
- Kapag maaga ka nagsimulang mag ayos ng funds mo, dito mo mabuibuild yung habit ng pag aayos mo mula sa pagiging young professional, pagkakaroon ng sariling pamilya hanggang sa pag plano ng retirement.

Sa panahon ngayon hindi na pwede ang nag tatrabaho lang, dapat marunong ka din mag budget, marunong ka dapat mag plano.

Libre lang ang magtanong, kung sa tingin mo ay kailangan mo ng tulong imessage mo ang page nato.

13/01/2022

☀️

For eight years in a row, we made it again to the top! Sun Life Philippines was hailed as the top insurance brand in the “Top 100 Brands in the Philippines” study by Campaign Asia-Pacific.

We would like to thank everyone for your continuous trust and support. As we venture into a new year, we’ll continue doing our best as your partner for life. 💛

Read more: https://sunlife.co/SunLifeTop100

05/10/2021

Part of being a parent is to plan and assure the future of your family.