Eiline Delena

Eiline Delena Financial Advisor and Cemetery and Funeral Pre-Planning Director

08/28/2026

HINDI LANG ITO PICNIC—ITO ANG PAGKAKATAON NATIN PARA MAGKASAMA-SAMA!

Minsan, sobrang busy natin sa trabaho, pamilya, at araw-araw na buhay, nakakalimutan na nating makipag-connect sa ating kapwa Filipino.

Kaya this August 29, makiisa, makisaya, at makipag-bonding!

FIL-CAN ELECTION & PICNIC
August 29, 2026
9:00 AM–4:00 PM
Victoria Park – Near the Playground

Bakit dapat kang sumama?

Dahil ang isang malago, masaya, at nagkakaisang Filipino community ay nabubuo kapag tayo ay nagkikita, nagtutulungan, at nakikiisa.

Bring your family and friends. Enjoy the picnic, join the games, meet fellow kababayans, laugh, make memories, and be part of our growing Filipino community here in Kitchener-Waterloo.

SHOW UP. PARTICIPATE. WIN!

Mas masaya kapag sama-sama.
Makiisa. Makisaya. Magkaisa.

JOIN THE PICNIC!
Bring your family, invite your friends, and let’s make this a day to remember.

08/27/2026

The Guaranteed Income Supplement (GIS) provides additional, tax-free monthly income to lower-income seniors receiving OAS.

Unlike CPP and OAS, GIS is income-tested annually and is not
issued automatically — eligible individuals must apply to receive it.

Many Canadians are unaware of their eligibility, resulting in missed benefits that could otherwise support their retirement income.

Understanding GIS is an important part of comprehensive retirement planning.

Comment "GIS" below, and follow for continued insights on retirement planning.

HASHTAGS

Partial Lunar Eclipse - Aug 27-28, 2026
08/27/2026

Partial Lunar Eclipse - Aug 27-28, 2026

08/26/2026

Old Age Security (OAS) differs from CPP in that eligibility is based on Canadian residency rather than
employment history. While most Canadians qualify around age 65, the amount received — and the
potential for income-based clawback — makes understanding this benefit essential to retirement
planning.
Delaying OAS beyond age 65 can also increase your monthly payment, offering an important
strategic consideration for those planning their retirement timeline.
Comment "OAS" below, and follow for continued insights on retirement planning

08/26/2026

Why is a Will important?

A Will is more than just a document for after you’re gone. It’s a way to make your wishes clear and help protect the people and assets that matter most to you.

1. You decide who gets your assets
With a Will, you can state how you want your property and possessions distributed. Without one, Ontario law determines who is entitled to your estate and how much they receive.

2. You choose who will manage your estate
You can name an estate trustee (executor) to carry out your instructions and manage the estate according to your wishes. Without a Will, someone generally has to apply to the court for authority to administer the estate.

3. You can make important plans for your children
A Will allows you to make plans for your children’s care and inheritance. In Ontario, you can name a person to have decision-making responsibility for your children after your death, subject to the law, and provide instructions for managing assets intended for them.

Bottom line: A Will helps turn your wishes into a clear plan—so your family isn't left guessing about what you wanted.

08/24/2026

Filipino-Canadian ka, may work, may bahay, nagpapadala ka pa ng pera sa Pilipinas — pero kung mamatay ka bukas, alam mo ba na hindi ikaw ang magdedecide kung sino makaka-inherit? Ang gobyerno ang bahala.

Heto yung 3 bagay na dapat mong ayusin NGAYON — hindi "someday":

I-review ang insurance mo. Baka outdated na yung beneficiary mo, or hindi covered ang health mo pag matagal ka sa Pilipinas — may limit ang OHIP kapag matagal kang lumabas ng Canada.

Gawin mo na ang Will at Power of Attorney. Kailangan mo ito kahit PR ka lang o citizen — kung wala kang will, ang province ang magdedecide, hindi ikaw. May bahay o lupa ka sa Pilipinas? May forced heirship rules doon — automatic na may share ang asawa o anak mo kahit ano man sabihin ng will mo dito. May anak ka? Ang will mo rin ang nagsasabi kung sino ang guardian nila.

I-preplan ang final arrangements mo. Dito o sa Pilipinas ka ilalibing? Isulat mo, at kausapin ang pamilya — wag mo silang iiwang nag-aaway habang nagluluksa.

Hindi ito tungkol sa kamatayan. Ito ay tungkol sa proteksyon ng pamilyang iiwan mo — dito man sila o sa Pilipinas. Ilang oras lang ang kailangan, pero peace of mind ito habambuhay para sa kanila.

I-message mo ako, tutulungan kitang simulan itong tatlong bagay this week. Wag na hintayin ang "bukas."

08/24/2026

The Canada Pension Plan (CPP) is funded by contributions made throughout your working years —

it is not a government handout, but a benefit you have earned.

The amount you receive depends on your total earnings and the number of years you contributed, as well as the age at which you choose to begin receiving payments.

Choosing when to start CPP — as early as 60 or as late as 70 — can significantly affect your monthly income for the rest of your life.

Understanding this decision is essential to sound retirement planning.

Comment "CPP" below, and follow for continued insights on retirement planning

08/24/2026

Understanding your retirement income sources is one of the most important steps in financial planning.

Many Canadians assume "government pension" is a single benefit — in reality, it consists of three distinct programs: CPP, OAS, and GIS, each with its own eligibility rules and impact on your
retirement income.

Over the coming videos, we will examine each program individually, along with strategies to help you maximize your benefits.

Comment "SERIES" below, and follow for continued insights on retirement planning

08/22/2026

Heart health is not just about what we eat—it’s also about being prepared.

Pinoy food is life! Pero alam mo bang lifestyle, diet, at daily habits can affect your heart health?

And here’s the bigger question: Kung magkaroon ka ng covered critical illness bukas, paano ang family mo?



Watch till the end to understand why critical illness coverage may be something worth reviewing.

Comment “R

08/22/2026

Let’s connect. I’m here to help.

My mission is simple: help Canadian families protect what they’ve worked hard to build and create a stronger legacy for the future.

Whether you’re looking for guidance on life insurance, critical illness protection, retirement planning, funeral pre-planning, or protecting your family’s financial future, I’m here to help you understand your options—without the pressure.

Protect today. Plan ahead. Build your legacy.

Send me a message. Let’s talk.

Address

610 Black Oak Crescent
Waterloo, ON
N2V1A5

Telephone

2263396198

Website

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