The Millenial Planner

Baka ito na yung opportunity na hinihintay mo. 🧡

If you’re looking for a flexible career, additional income, personal growth, and a chance to make a positive impact, I’d love to invite you to our FWD Business Opportunity Presentation.

Come and hear inspiring stories from our leaders, learn how the business works, and see if this path is something you’d like to pursue.

📅 July 25 (Saturday)
🕑 2:00 PM
📍 McDonald’s Abad Santos

Limited seats available. Message me if you’d like to join. Hope to see you there! 😊🧡

What if ₱80 a day could help build your future? ✨

Start saving for just ₱80/day for 10 years.

After that, choose to:
💰 Receive your Guaranteed Cash Payouts
or 📈 Let your SAVINGS accumulate with potential interest until the 20th year.

Plus insurance protection with 2x Life Coverage and Premium Waiver Benefit.

📩 Message me to know more.

The Millennial Planner – Jes

As TENURED FA…

Way back in 2017, I got my very first VUL plan long before I became a Financial Advisor. It was a basic plan with no additional riders. My reason was simple: I was a single mom, and I wanted to make sure my son would have financial protection if something happened to me. Since I was still starting out, I chose a premium that I could comfortably afford.

Then the pandemic happened.

I resigned with my job, and for almost two years, I wasn’t able to pay my premiums. I also made two partial withdrawals because I really needed funds at that time. I made sure to leave enough value to keep the policy in force.

When I got back on my feet and started working again, I continued paying my premiums consistently. Today, I see it as one of my long-term savings vehicles, especially since I was able to get it at a lower premium when I was younger.

Over the years, I realized that not everyone appreciates VUL and I understand why. Sometimes it’s because it was introduced simply as an “investment.”

The truth is, there are many ways to invest. Banks, insurance companies, mutual funds, UITFs, stocks, and many other investment platforms all have their own purpose.

For me, VUL can be a good option for young individuals who have time on their side and are willing to stay invested for many years. It can also work for those who want insurance protection while gradually building fund value, especially when a bigger insurance budget isn’t yet possible.

But if you ask me what I believe is one of the most important plans to have today, it’s a Health Insurance Plan.

Because even if you have a VUL, a single hospitalization or critical illness can easily consume your savings if you don’t have dedicated health protection.

At the end of the day, I don’t believe there’s a “bad” insurance product. Every plan has its purpose. The key is understanding what you’re getting, asking questions, and choosing a Financial Advisor who educates first—not someone who immediately sends a proposal without understanding your needs.

Insurance planning is a must.
Financial planning is a must. 🤗

You can follow me for more shared information about savings, investment and Insurance tips.

A goal without a plan is just a wish. 🤔

Financial freedom doesn’t start with earning more.
It starts with setting the right goal.

Make your goals SMART:
✔️ Specific
✔️ Measurable
✔️ Achievable
✔️ Relevant
✔️ Time-bound

Your future self will thank you. 🌱🧡

If you need help creating a financial plan that fits your goals, send me a message.

Let’s turn your dreams into a SMART plan. 📩

𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝘀 𝗮 𝗴𝗿𝗲𝗮𝘁 𝗯𝗲𝗻𝗲𝗳𝗶𝘁…
𝗯𝘂𝘁 𝗶𝘁 𝘀𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝗯𝗲 𝘆𝗼𝘂𝗿 𝗼𝗻𝗹𝘆 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻.

Many of us believe that after years of working, our company retirement benefits will be enough. The reality is, retirement today lasts much longer, and inflation keeps making life more expensive.

The question is:

How much of your assets are actually earning for you?

For most people below 60, a significant portion of their wealth should already be generating income—not just sitting in savings or waiting for retirement.

Don’t rely on just one source of income for your future.

✨ Build assets.
✨ Invest consistently.
✨ Let your money work while you do.

Because financial freedom isn’t about retiring someday…
It’s about having choices when that day comes.

📈 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐁𝐞𝐭𝐰𝐞𝐞𝐧 𝐚 𝐓𝐫𝐚𝐝𝐞𝐫 𝐚𝐧𝐝 𝐚𝐧 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫.

May napanood akong interview ng mag-asawa na malapit na mag-retire. Nagsimula silang mag-invest noong 1990s pa. Ngayon, ine-enjoy na nila ang bunga ng kanilang paghihintay at disiplina. they considered themselves — “Millionaires” based on their net worth.

Doon ko mas na-realize na ang investment ay hindi instant. Hindi ito parang overnight market na kikita ka agad. Kailangan nito ng panahon para lumago.

Kaya kung nagsisimula ka pa lang mag-invest ngayon, nasa tamang direksyon ka. Ang mahalaga ay magsimula at bigyan ng sapat na oras ang pera mo para mag-grow.

At kung ikukumpara sa ibang investment options, ang VUL ay maaaring maging magandang panimula para sa mga gustong mag-invest pero hindi pa kayang maglabas ng malaking halaga. Habang unti-unti kang nagbu-build ng investment, may kasama ka ring protection para sa sarili at pamilya mo.

Sa madaling salita, bumibili ka ng oras para palaguin ang pera mo habang protektado ka rin.

Start early. Stay consistent. Hayaan mong ang oras ang maging kakampi mo. 🧡✨

As more Filipinos embrace protection and financial confidence, we remain committed to changing the way people feel about insurance: making it simpler, more human, and easier to trust.

FWD Philippines is the Top 1 life insurer in the country in terms of New Business Annual Premium Equivalent (NBAPE). We also maintained our strong #1 position in Single Premium business and reached top 2 in Total Premiums. We continue to grow with a 12.4% market share and the trust of more Filipino families choosing protection that fits their needs and aspirations.

Beyond milestones, this reflects our continued focus on providing relevant protection plans, expanding insurance education, creating opportunities for more Filipinos, and helping people celebrate living with greater confidence for the future.

Thank you to our customers, financial advisors, our bank partner Security Bank, and employees across the country for being part of this journey with us.

🚨 One critical illness can wipe out years of savings.

Protect your health, income, and family before emergencies happen. ❤️
Be financially prepared with health protection that works when you need it most.

Message me to learn more. 📩

Ready to grow your income, purpose, and future this 2026?

Join us this May 21 for an inspiring Zoom session and discover how becoming a Financial Planner can open new opportunities while helping families secure their future. 💙🧡

Whether you’re looking for extra income, career growth, or a meaningful mission — this might be your sign to start.

📅 May 21, 2026 (Thursday)
⏰ 7:00 PM – 8:00 PM
📍 Via Zoom

Scan the QR code to register and see you there! ✨

𝐃𝐢𝐝 𝐘𝐨𝐮 𝐊𝐧𝐨𝐰?
The Health Expectation based on WHO is 58.5 years old.
It means, bago ka pa mag retire pwede kana dapuan ng sakit.