Financial Coaching with Jahharra

𝗖𝗿𝗲𝗮𝘁𝗲 𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗪𝗲𝗮𝗹𝘁𝗵 𝘄𝗶𝘁𝗵 𝗦𝘂𝗻 𝗟𝗶𝗳𝗲 𝗦𝗲𝗰𝘂𝗿𝗲 𝗜𝗻𝗰𝗼𝗺𝗲 ✨

What if you could offer your children or grandchildren a guaranteed annual income that lasts a lifetime?

This idea allows you to create a legacy that supports their dreams and aspirations.

Invest in their future today! Want to know how? Send me a message 😊

Being insured is a gift you can give to your future self and loved ones 💛💛

THE BEST MOMMY AND DADDY 🥰

"Sabi ni Mommy and Daddy, hindi nila kayang bumili ng mamahaling gamit pero kaya nilang bumili ng mamahaling Plans para sa future ko. ❤️ - Xavi"

Ano yung nagustuhan nmin as parents dito sa Sun Smarter Life Elite Plan?
Our son will get ₱40k at his 6th year of being insured and every other year magkakaron sya ng 40k in his whole life! 💕 as in habang buhay.
If God's will umabot sya ng age 90-100 yrs, continuous ang endowment nya. Doing nothing. 💎 Not to mention the other benefits and the covered insurance.

Mahal ang insurance plan mo pero mas mahal ka namin. 💛

Ask me how, ask now.

Your Trusted Sun Life Advisor,
Licensed Financial Advisor



ctto

I believe in the saying "Tell me who your friends are and please connect mo ako sa kanila baka hindi pa sila insured. 😊

Ending the sandwich generation phase involves balancing the financial and caregiving responsibilities towards both your children and your aging parents. How do we do it?

1.𝗧𝗮𝗸𝗲 𝗰𝗮𝗿𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗳𝗶𝗿𝘀𝘁: Prioritize securing your financial stability. This involves managing debts, saving for retirement, establishing an emergency fund, and getting your own insurance.

2. 𝗪𝗼𝗿𝗸 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗰𝗵𝗶𝗹𝗱𝗿𝗲𝗻 𝗼𝗻 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻: Involve your children in financial discussions and planning. Teach them financial literacy skills such as budgeting, saving, and investing.

3. 𝗛𝗲𝗹𝗽 𝘆𝗼𝘂𝗿 𝗽𝗮𝗿𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝗻: Assist your aging parents in creating a comprehensive plan for their future care needs and finances. Help them explore retirement plans, long-term care options, and organize their financial affairs. Open communication, respect, and understanding their wishes are essential in this process.

4. 𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗹𝗶𝗺𝗶𝘁𝘀: You have to realize that you have limitations in terms of time, energy, and resources. Set boundaries to prevent burnout.

Simultaneously caring for aging parents while supporting your own children brings many challenges. We can only hope that our generation ends this cycle. 🙏

𝗝𝗮𝗻𝘂𝗮𝗿𝘆: 'Di pa ako kukuha ng plan kasi nagbabawi pa ako nung gastos nung pasko. Next month na lang.

𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆: 'Di pa rin ako nakabawi nung gastos nung pasko. Tapos may pa-Valentines pa 'ko. Next month na talaga.

𝗠𝗮𝗿𝗰𝗵 - 𝗔𝗽𝗿𝗶𝗹 : Nakabawi naman na kaso yung budget ko ngayon para na sa bakasyon naming pamilya. Balikan kita pagbalik namin, mga next month.

𝗠𝗮𝘆: Naku, alam mo naman galing kami bakasyon kaya walang natira. Balikan mo ako by next month. Promise!

𝗝𝘂𝗻𝗲 - 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿: Naku baka by next next month na kasi nag bayad ako matrikula. Dami pa rin gastos eh!

𝗢𝗰𝘁𝗼𝗯𝗲𝗿- 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿: Hintayin ko lang bonus namin para sure na. Next month na 'yon!

𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿: Naku baka next year nalang kasi nakalaan na ung pera ko sa pasko.

𝗟𝗲𝘀𝘀𝗼𝗻: Hindi ka makakaipon or makakapagsimulang maginvest kung palagi kang merong dahilan. Hindi nawawala ang gastos. Ang kailangan natin baguhin ay yung mindset at disiplina natin sa paggastos at pag-manage ng ating pera.

𝗡𝗢 𝗡𝗘𝗘𝗗 𝗧𝗢 𝗦𝗧𝗔𝗥𝗧 𝗕𝗜𝗚; 𝗬𝗢𝗨 𝗝𝗨𝗦𝗧 𝗛𝗔𝗩𝗘 𝗧𝗢 𝗦𝗧𝗔𝗥𝗧 𝗡𝗢𝗪. ✨

Congratulations client kung may insurance ka na. pero when was the last time na nirevisit or nireview mo ang insurance coverage mo at binangga sa expenses at needs ng family nyo?

Parang damit lang yan e.

Yung damit mo nung dalaga ka pa may no longer fit to your mom's body now. Kaya a wardrobe update is necessary.

Kung lumaki ang pamilya nyo, tumaas ang sahod mo, bumili ka ng property, papalapit ang retirement mo, An upgrade to your insurance coverage is necessary.

Feel free to message me to schedule financial planning. 🫶

Just to explain this, coz this is also one of the questions I get from my clients.

Sun Maxilink Prime is a Variable Unit Link or most known as 'Insurance with Investments'. It is designed as a 10 yrs to pay plan, so yes, 10 years lang magbayad.

HOWEVER, certain conditions would require you to still pay after 10 years. These conditions can be because of your added riders, such as, but not limited to;

a. Critical Illness Benefit
b. Hospital Income Benefit
c. Accidental Death Benefit or Accidental Death, Dismembermemnt, or Disablement Benefit

These riders would continue to require payments as long as needed or their maturity. Whatever comes first.

If you wanna learn more about Insurance, Savings, Invesment, Retirement, and Risk Management, please do not hesitate to message me. I can gladly assist.

I can also do Plan Review, regardless if you are a Sun Life Policyholder or others 🥰😘💛💛

Filipinos often brand themselves as either rich or poor, with others thinking they belong somewhere in between. Here's how much each income class in the Philippines is earning, according to the latest figures provided by Philippine Institute for Development Studies: https://bitly.ws/3a3if

— Information from PhilStar Life

Financial Fact 101:

Misconception:
"Ayaw ko nyang insurance kasi mahal yan"

Fact: Ang Premium o bayad ay nakadepende sa iyong budget at priority.

Sinisiguro na ang iyong plan ay eksaktong tumutugon sa iyong pangangailangan at kakayanan. Very customizable ito at maaaring magumpisa sa maliit na halaga,, ang main purpose ng insurance is to make sure na less worry ka financially when emergency happen.

Ano nmn ang basehan upang malaman kung magkano ang plan na iyong kukunin?

- ito'y nakabase sa iyong edad at priorities.
mas mataas na edad ay mas malaki ang kailangang punan. Kaya't mas mainam kung mas bata ka pa kumuha at healthy ka pa.

make a plan, enjoy your life, invest in yourself 😉

If you want to learn how you can achieve the financial freedom that you wanted you can message me anytime I will share the ideas and best practices to you for FREE
❤️

Client: I am covered for P5M right?

Me: Yes, Ma’am

Client: So when will I receive the P5M? If I finish paying after 10 years, will I receive the P5M?

Me: No Ma’am, The fund value and health protection is yours. However, you will never ever receive the face amount in your entire lifetime.

Client: Ay, so panget pala. I will pay for something that other people will enjoy. Di ko din naman pla magagamit.

Me: Ma’am do you send your kids to school?

Client: Yes of course. My youngest is still in High school

Me: You should stop sending them to school.

Client: Why?

Me: Because you are paying for something you will never use. Anak nyo lang po tatalino dahil sa pagpasok nya sa school. You are paying for something that other people will enjoy.

That is actually how insurance works. That "Other People" you are saying are THE PEOPLE YOU LOVE, your FAMILY. Would you not want to give something that would benefit them?

Client: Now I get it. Saan ako mag sign?

Let's talk. Let's Plan. Let's Have a Brighter Life.