Money Tactics

Yes, no other can.

Insurance isn’t just a shield for life’s uncertainties; it’s the freedom to live boldly, knowing your loved ones are protected no matter what. 💛

When you remove financial fear from the equation, you give yourself room to dream bigger, take smarter risks, and move forward with confidence.

If you’re a client reading this, remember: protection is the foundation of every strong future.
If you’re a financial advisor, share this with someone who needs to understand that insurance empowers, not restricts.

ESTATE TAX: A BURDEN NO GRIEVING FAMILY DESERVES

These past months, my brother and I have been working on the extrajudicial settlement of our sister’s estate. She worked hard all her life until retirement, lived quietly, never married, and left a modest estate. Yet despite the recent exemption for the family home, the process has still been long, expensive, and emotionally draining. And every new requirement felt like reopening the wound of losing her.

If this is difficult for us, how much more for families with fewer resources, no lawyers, and no guidance?

Across Asia, many countries have already removed estate or inheritance taxes, Singapore, Hong Kong, Malaysia, Brunei, India, Thailand, Indonesia, Cambodia, Mongolia, Bhutan, among others. Australia and New Zealand have done the same.

They abolished the tax for one simple reason: Estate tax raises very little revenue, but it causes enormous hardship for ordinary people.

Here in the Philippines, inheritance is seldom about wealth. It is about a small house, a tiny lot, or farmland a parent worked on all their life. Yet heirs still face:
• Fees they cannot afford
• Paperwork they do not understand
• Penalties for delays they never intended
• Properties left frozen for decades because taxes were simply too heavy

Meanwhile, the wealthy quietly avoid estate taxes through trusts and legal structures. It is the poor who suffer, those who only want to keep the home their parents already paid taxes on again and again.

This is why so many nations moved away from estate tax. It traps families in grief and poverty, and turns hard-earned assets into “dead capital” that no one can use, sell, or develop.

So maybe it’s time to ask a deeper question: Why must we tax families at the moment they are hurting the most? Why must death come with a bill?

If our neighbors can choose compassion and common sense, perhaps the Philippines can choose it too, for dignity, for fairness, and for every Filipino family simply trying to move forward after a loss.

Lord, I lift it all up to you 🥹✨

Let’s talk

HealthFlex HealthFlex is a health & critical illness insurance protects you from more than 100+ critical illnesses. Get coverage for serious illness and secure your critical care today!

🩵

During my OFF, i always make sure that i have time for my self. It is very important to feel recharged and refuel after a full week of hard work.
(we do dance class and zumba session)

Remember guys, we work to LIVE but we
Don’t LIVE just to WORK.

So kasama sa passion and purpose ko as a Financial Advisor is to create awareness about fitness and health, dahil alam naman natin na health is our ultimate wealth.

Kaya bukod sa pagpaplanong Pinansyal, Mahalaga rin na alagaan ang kalusugan. Kaya naman,
for free quotation and health insurance application andito lang ako, Tara usap tayo.

Again, my name is ghel dela cruz your Manulife Trusted Financial Advisor.

Thank you. ☺️

Asking for Referral training
11/18/25
9-11am

Exactly.

👉 You can have all the talent in the world, but it means nothing if it’s wasted in the wrong environment.

Some places will never see your value because they’re not meant to.

You can’t bloom in soil that resents your growth.

Stop shrinking to fit rooms that can’t handle your potential.

The right space will recognize what you bring without you begging for it.

Sometimes it’s not you that needs fixing... it’s the environment you’re in that needs changing.

Know your worth and move accordingly.🔥

@ Entrepreneurship Facts