Your Friendly Neighborhood Financial Planner

Because your FAMILY deserves the BEST, you SHOULD CHOOSE the BEST!

MANULIFE'S PERSONAL COMPREHENSIVE HOSPITALIZATION MEDICAL INSURANCE provides protection BETTER than HMOs with coverage that includes:

✅ CONSUMABLE COVERAGE of up to PhP 5,000,000 that REFRESHES EVERY YEAR and can be RENEWED until age 75.

✅ HOSPITAL ROOM & BOARD of up to PhP15,000 per Night.

✅ Medical Supplies, Laboratories and Medication while confined.

✅ Doctor's Fees.

✅ Diagnostic Tests.

✅ Special Treatment Procedures.

✅ Reimbursible AMBULANCE TRANSPORT of up to PhP3,000.

✅ Annual Medical Examination with Diagnostic Tests.

✅ Unlimited 24/7 Teleconsultation via Doctor Anywhere.

✅ CASHLESS TRANSACTIONS in all our NATIONWIDE ACCREDITED FASCILITIES.

⚜️ 617 HOSPITALS that include St. Luke's Medical Center, Makati Medical Center, Alabang Medical Center, The Medical City and so much more.

⚜️ 1,141 Clinics

⚜️ 40,983 Doctors

with MORE being added every year.

✅ Reimbursible Hospital Bills if confined in a Non-accredited facility.

✅ LIFE INSURANCE COVERAGE equivalent to 10% or Yearly Consumable Coverage.

Message ME to START PROTECTING YOURSELF and YOUR LOVED ONES.

SMART: 09199977006

A Company's MARKET CAPITALIZATION represents it's OVERALL WORTH and VALUE.

MANULIFE continues to BREAK RECORDS by BECOMING the FIRST COMPANY to reach 3 TRILLION MARKET CAPITALIZATION in the PHILIPPINE STOCK EXCHANGE maintaining it's DOMINANCE as the LARGEST COMPANY OVERALL ACROSS ALL INDUSTRIES in the PHILIPPINES.

Let US work TOGETHER in PLANNING and PREPARING for your NEEDS and GOALS with CONTINUED GROWTH and PROVEN STABILITY.

Hello ILOILO CITY!!!

We are inviting you to LEARN about STOCK MARKET INVESTMENT and WEALTH OPTIMIZATION from INDUSTRY EXPERTS, LICENSED FINANCIAL PLANNERS and CERTIFIED WEALTH SPECIALISTS.

This FINANCIAL WELLNESS PROGRAM is FREE but with LIMITED SEATS.

DATE: November 16, 2024
TIME: 1:30pm
VENUE: Hotel Del Rio

COMMENT BELOW or MESSAGE ME if you're INTERESTED in ATTENDING.

Day 17/90 of your DAILY FINANCIAL WELLNESS TIPS...

Let me TELL you a STORY that I ALWAYS SHARE with my CLIENTS because this was HOW I LEARNED a VERY IMPORTANT LIFE LESSON...

My GRANDPARENTS died a FEW YEARS AGO when THEY were in their MID-80s...

They died ONE MONTH APART after LENGTHY HOSPITAL STAYS and a LONG BATTLE with SEVERAL ILLNESSES...

Being a Registered Nurse, I was their PRIMARY CAREGIVER in the years leading up to their DEATHS...

During their FUNERAL, I noticed something PECULIAR about HOW WE COMFORT the FAMILY MEMBERS of those that have PASSED ON...

I NOTICED that a lot of people APPROACH ME and TELL ME, "JUDGE, IT'S OK."

THINK about THAT...

My GRANDPARENTS just DIED after SUFFERING from SEVERAL ILLNESSES...

WHY would they THINK that it would be COMFORTING to TELL ME that EVERYTHING was "OK"?

It WASN'T UNTIL a FEW MONTHS LATER that I UNDEESTOOD WHY...

It was at ANOTHER FUNERAL...

It was the FUNERAL of MY UNCLE'S FRIEND...

He was 40 YEARS OLD...

His WIFE was a HOUSEWIFE...

They had TWO DAUGHTERS, the ELDEST was 13 and about to start High School...

Now, let me ASK YOU THIS...

Do YOU THINK it would be PROPER to go to the WIDOW of the DECEASED and TELL HER that "it's ok"?

Of course NOT!

But WHY was it ALRIGHT for PEOPLE to TELL ME that the DEATH of my GRANDPARENTS was "OK" but NOT ALRIGHT for me to TELL THAT GRIEVING WIDOW that HER HUSBAND'S DEATH waa "OK"?

It was BECAUSE the CONTEXT of our SITUATIONS were DRASTICALLY DIFFERENT...

My GRANDPARENTS lived a FULL and FRUITFUL LIFE...

Their CHILDREN were WELL ESTABLISHED...

They've seen their GRANDCHILDREN grow...

They were already suffering from the MANY ILLNESSES of OLD AGE...

It was time for them to REST...

In fact, when I was SITTING In a PLASTIC MONOBLOC CHAIR nodding off beside my GRANDFATHER'S STRETCHER after more than 24 HOURS in the EMERGENCY ROOM waiting for a room to become available so he could be ADMITTED AGAIN for the 3RD TIME in span of 2 MONTHS, HE TURNED to ME and SAID in a GENTLE and CALM VOICE, "PLEASE LET ME GO."

Those words left me SPEECHLESS, which for those who know me, is a VERY DIFFICULT thing to DO...

It was ONLY NOW that I REALIZED that those were the WORDS of a MAN who has LIVED A LIFE FREE OF REGRET...

My UNCLE'S FRIEND on the OTHER HAND, left his LOVED ONES with SO MUCH FEAR and UNCERTANTY...

WHO would PAY for the FUNERAL EXPENSES?

HOW would they PROVIDE for their BASIC NEEDS as THEY RECOVER?

WOULD the CHILDREN be ABLE to CONTINUE SCHOOLING or WOULD THEY NEED to STOP to HELP their MOTHER EARN a LIVING so they could SURVIVE?

DEATH ISN'T SCARY...

WE ALL DIE...

What's REALLY SCARY is DYING with UNFULFILLED RESPONSIBILITIES, with HOPES and DREAMS for YOURSELF and for YOUR LOVED ONES which CANNOT be REALIZED...

This is the REASON why as LONG as WE ARE ABLE and AS LONG as THERE are PEOPLE DEPENDING on US, whether it's OURSELVES or OUR LOVED ONES, WE SHOULD PREPARE...

Now, GO and LIVE a LIFE that YOU WON'T REGRET LIVING...

Day 16/90 of your DAILY FINANCIAL WELLNESS TIPS...

Whenever there's something WE NEED to do, the ONLY PERSON that WE HAVE TO CONVINCE, is OURSELVES...

OVER the YEARS I've met with MANY CLIENTS who FORGET that it's THEIR DECISION that MATTERS and NOT ANYONE ELSE'S...

When TALKING to them, I ALWAYS ENCOURAGE them to "FIND THEIR VOICE"...

We are ALWAYS BOMBARDED by OTHER'S VOICES...

"DON'T DO THIS."

"DON'T DO THAT."

"NOT NOW."

BUT we OFTEN FORGET about the ONE VOICE that MATTERS, OUR VOICE...

When we MAKE PLANS, we should NEVER FORGET that ULTIMATELY we ARE PLANNING for OUR FUTURE...

The DECISIONS that WE MAKE AFFECT US and the PEOPLE WE LOVE...

WE are the ONES that KNOW OUR SITUATION, OUR, RESOURCES, OUR CAPABILITIES...

OTHER VOICES come with their OWN PERSONAL MOTIVES...

SOME do it out of GENUINE CONCERN, to TEMPER IMPULSIVITY...

BUT some do it BECAUSE it BENEFITS THEM and NOT YOU...

WE ALL KNOW that PREPARING for OUR FUTURE HEALTHCARE NEEDS is GOOD...

WE ALL KNOW that BEING INSURED is GOOD...

WE ALL KNOW that CREATING an EDUCATIONAL FUND for YOUR CHILDREN is GOOD...

WE ALL KNOW that HAVING a RETIREMENT FUND is GOOD...

WHEN you KNOW that SOMETHING is GOOD for YOU, DO NOT HESITATE...

So WHAT'S STOPPING YOU?

Is it OTHER PEOPLE'S VOICE or is it YOUR OWN?

DON'T LET OTHER VOICES MAKE DECISIONS about YOUR FUTURE...

Day 15/90 of your DAILY FINANCIAL WELLNESS TIPS...

I WANT YOU to TAKE a MOMENT and ASK YOURSELF this QUESTION.

"WHAT ARE THE RISKS I'M FACING EVERY SINGLE DAY?"

Whenever I ASK a CLIENT that QUESTION, I always GET a PAUSE and a PUZZLED LOOK.

WHY?

This is BECAUSE we USUALLY DON'T ACKNOWLEDGE the POSSIBILITY that BAD THINGS CAN HAPPEN.

BUT the REALITY is that EVERYTHING WE DO HAS RISK.

THINK about IT.

When YOU GO ANYWHERE, there IS RISK.

YOU may be the MOST CAREFUL PERSON in the WORLD but that DOES NOT GUARANTEE that OTHER PEOPLE are CAREFUL.

Let's say you COMMUTE to WORK.

EVEN if YOU'RE CAREFUL, what GUARANTEE do YOU HAVE that the DRIVER of the VEHICLE you're RIDING is CAREFUL?

And EVEN IF they ARE, HOW about the OTHER DRIVERS?

HOW about the PEDESTRIANS?

HOW about the PEOPLE in charge of MAINTAINING the VEHICLE you're RIDING?

WHAT about the RISK of GETTING SICK?

EVERYONE gets SICK, the ONLY THING we DO NOT KNOW, is WHEN and HOW SEVERE.

RISK COMPOUNDS.

The BIGGEST MISTAKE that PEOPLE MAKE with their FINANCES is SIMPLY FOCUSING on GROWING MONEY and IGNORING the RISKS of DAILY LIFE.

NO MATTER HOW MUCH MONEY you HAVE, ONE ACCIDENT, ONE SICKNESS can WIPE THAT OUT.

But HAVING a the RIGHT PLAN can MITIGATE your RISKS not JUST FOR YOU but ALSO for the PEOPLE who DEPEND on you.

DON'T fall into the TRAP of ONLY FOCUSING on the MONEY in your BANK ACCOUNT.

MAKE SURE you ALWAYS have a SAFETY NET.

RISK is EVERYWHERE, but PROPER PLANNING can HELP MANAGE those RISKS.

Day 14/90 of your DAILY FINANCIAL WELLNESS TIPS...

When WE KNOW a STORM is COMING, WE PREPARE ahead of time...

That's just plain COMMON SENSE, right?

WE PREPARE while WE ARE STILL ABLE TO...

We MAKE PLANS for EVERY POSSIBLE EVENTUALITY...

We STOCK UP on FOOD, WATER, BATTERIES...

We MAKE SURE our HOUSE is REPAIRED and READY to WEATHER the STORM...

So WHY is it when it comes to our FUTURE HEALTHCARE EXPENSES, RETIREMENT or the ESUCATIONAL NEEDS of our CHILDREN we FOREGO PREPARATION and WAIT for the "STORM" to COME?

Is it BECAUSE they are NOT TANGIBLE?

I know you MIGHT BE ROLLING YOUR EYES while READING THIS and think, "NOT THIS AGAIN"...

But THINK ABOUT IT...

That's ALL I'M ASKING, just THINK ABOUT IT...

We KNOW that EVENTUALLY WE WILL GET SICK, that's just a FACT OF LIFE...

Are you READY to SPEND ALL your HARD-EARNED/MONEY on your ILLNESS?

We KNOW one day we WILL GROW OLD and RETIRE, that's a FACT OF LIFE...

Is WHAT you are EXPECTING to RECIEVE WHEN you RETIRE ENOUGH to SUPPORT not JUST your BASIC NEEDS but the ADDITIONAL COSTS of old age for AT LEAST 20 YEARS after you RETIRE?

We KNOW one day our KIDS will GROW UP and go to COLLEGE, that's just a FACT OF LIFE...

Are YOU SURE that WHEN that DAY COMES, your CHILD can LIVE UP to their FULL POTENTIAL and TAKE ANY COURSE they DESIRE, go to ANY SCHOOL they DESIRE and NOT NEED to COMPROMISE just BECAUSE as PARENTS you LACK THE FUNDS to SUPPORT THEM?

If YOU are the BREADWINNER of the FAMILY, it is YOUR RESPONSIBILITY to MAKE SURE your "HOUSE" can WEATHER ANY "STORM"...

If YOU are CAPABLE NOW, PREPARE NOW...

That's JUST COMMON SENSE...

Day 13/90 of your DAILY FINANCIAL WELLNESS TIPS...

We are often told that WE LEARN THROUGH EXPERIENCE.

Although that's TRUE, we FORGET that we can ALSO LEARN FROM the EXPERIENCES of OTHERS.

WE DON'T HAVE to EXPERIENCE SOMETHING to know WHEATHER it is GOOD or BAD.

You DON'T HAVE to BREAK a BONE to know that IT HURTS.

WHY? Because WE CAN SEE HOW OTHERS REACT to that PAIN.

The SAME THING goes with LIFE'S DIFFICULTIES.

WE DON'T HAVE to EXPERIENCE GETTING SICK and LOSING ALL OUR HARD-EARNED SAVINGS to KNOW the NEGATIVE IMPACT that COULD BRING for US and OUR FAMILY.

We DON'T HAVE to EXPERIENCE LOSING our INCOME to KNOW that NOT HAVING an EMERGENCY FUND is a BAD THING.

WE DON'T HAVE to EXPERIENCE LOSING our PARENTS or THE BREADWINNER of the FAMILY to KNOW HOW DEVASTATING that WOULD BE to the PEOPLE WE LOVE.

WE DON'T HAVE to EXPERIENCE RETIRING with LITTLE or NO RESOURCES to SUPPORT OUR NEEDS in OUR OLD AGE to KNOW HOW DIFFICULT that WOULD BE

This is BECAUSE we've SEEN OTHER PEOPLE GO THROUGH those THINGS.

We've SEEN how HARD LIFE BECOMES under THOSE CIRCUMSTANCES.

Yes, we MIGHT GAIN a BETTER APPRECIATION for the THINGS WE HAVE, for OUR HEALTH, for OUR MONEY, for OUR LOVED ONES, if WE PERSONALLY EXPERIENCE those THINGS.

BUT often, that APPRECIATION comes TOO LATE, when you HAVE ALREADY LOST those THINGS.

So, I WANT YOU to ASK YOURSELF...

"WHY AM I WAITING TO LOSE EVERYTHING BEFORE I START PREPARING WHEN I ALREADY KNOW THE CONSEQUENCES THAT NOT PREPARING BRINGS?"

LEARNING from the EXPERIENCES of OTHERS can SAVE US from A LOT OF DIFFICULTIES in the FUTURE.

OBSERVE NOW and TAKE ACTION BEFORE IT'S TOO LATE.

Day 12/90 of your DAILY FINANCIAL WELLNESS TIPS...

The SMALL THINGS we do today can ADD UP to become BIG THINGS TOMORROW.

Over the many years that I've been a LICENSED FINANCIAL and INVESTMENT PLANNER, I've had the PRIVILEGE of HELPING many PEOPLE from ALL WALKS of LIFE.

But those that REALLY STAND OUT to me are those who, DESPITE their LIMITED CIRCUMSTANCES, MAKE an EFFORT in PLANNING their FINANCIAL FUTURE.

I have clients who work HUMBLE and RESPEATABLE JOBS like STREET VENDORS, HOUSEHOLD HELPERS and HOTEL HOUSEKEEPING STAFF who ACTIVELY SET ASIDE a SMALL PORTION of WHAT THEY EARN every day SO THEY CAN PUT IT INTO an INSURANCE and INVESTMENT PLAN.

What they SET ASIDE in a MONTH is a lot LESS than what most of us SPEND ON COFFEE at a COFFEE SHOP or on FRIVOLOUS PURCHASES for that SAME AMOUNT of TIME.

But over the years, that SMALL AMOUNT has grown to over 6 DIGITS in INVESTMENT VALUE which they can WITHDRAW from plus a further 6 DIGITS of INSURANCE COVERAGE in case of UNFORTUNATE CIRCUMSTANCES.

That TRANSLATES to MILLIONS WORTH of PROTECTION and INCOME SECURITY for THEMSELVES and their LOVED ONES all coming from that SMALL AMOUNT.

Take the TIME to THINK about your FINANCES, about your HARD WORK and about the PEOPLE that DEPEND on YOU.

COULD YOU DO a SMALL THING TODAY to HELP PLAN and PROTECT your FUTURE?

IT'S never ABOUT HOW MICH YOU HAVE, it's about HOW MUCH YOU SET ASIDE and it is about DOING IT TODAY.

Day 11/90 of your DAILY FINANCIAL WELLNESS TIPS...

Your STRENGTHS will ALWAYS BE your STRENGTHS.

That's what you're GOOD at.

True, you can IMPROVE on WHAT you're ALREADY GOOD AT but the IMPROVEMENT will be MARGINAL because you are ALREADY NEAR the PEAK of that SKILL.

If you want GREATER REWARDS for your EFFORT and BETTER OVERALL IMPROVEMENT then FOCUS on iMPROVING your WEAKNESSES.

So, HOW DOES that APPLY to FINANCIAL PLANNING?

In FINANCIAL PLANNING, we FOCUS on WHAT we DO NOT HAVE instead of WHAT we ALREADY HAVE.

If MONEY is WHAT YOU ARE LACKING, then use WHAT YOU HAVE to GENERATE MORE WEALTH.

If you ALREADY HAVE MONEY, a SIGNIFICANT SAVINGS ACCOUNT or a GOOD SOURCE of INCOME.

You SHOULD FOCUS on PROTECTING that MONEY and INCOME.

CRITICAL ILLNESSESS, ACCIDENTS and DISABILITY can DEPLETE whatever MONEY YOU HAVE and ELIMINATE YOUR CAPACITY to EARN.

And EVEN IF your MONEY is SUFFICIENT, wouldn't you RATHER HAVE a PLAN that WILL SPEND FOR YOU and KEEP YOUR MONEY INTACT?

HAVING the RIGHT PLAN can MORE THAN COMPENSATE for OUR FINANCIAL WEAKNESSES and GIVE US and OUR LOVED ONES an OVERALL BETTER QUALITY of LIFE.