Toby Montilla- Licensed Financial Advisor

26/12/2025

Pa tulog-tulog ka lang kasi! 🤣

🤣

13/12/2025

Some say one is enough, while others have several. So, what’s the right number for you? It all depends on your lifestyle, family responsibilities, and financial goals.

📌 At the very least, consider these essentials:
✅ Life Insurance – Protects your loved ones financially if something happens to you.
✅ Health Insurance – Helps cover medical expenses so you don’t drain your savings.
✅ Emergency Fund – Not insurance, but a must-have for unexpected costs!

💡 Need more coverage? If you have kids, a business, or assets to protect, you might also consider:
✔️ Accident Insurance – Covers medical costs from unexpected injuries.
✔️ Critical Illness Insurance – Helps with costly treatments if you’re diagnosed with a serious illness.
✔️ Investment-Linked Insurance – Combines protection with potential savings growth.

👉 How many policies do you currently have? Do you think you need more? Let’s talk in the comments! ⬇️💬

05/12/2025

28/11/2025

Client mindset: Tiis muna sa luho—because the future matters.

27/11/2025

A simple message can save someone’s time, energy, and effort. Don’t ghost — be respectful.

Your time matters. My time matters. Let’s treat each other accordingly. 🫶

25/11/2025

𝗪𝗮𝗹𝗮𝗻𝗴 𝗺𝗮𝗹𝗶𝗶𝘁 𝘀𝗮 𝗽𝗲𝗿𝗮𝗻𝗴 𝗽𝗶𝗻𝗮𝗴𝗽𝗮𝗴𝘂𝗿𝗮𝗻.

Yesterday, we brought our stash of coins to a coin deposit machine in SM Megamall. Yes, yung mga barya na madalas nating isnabin—yung naiwan sa bulsa, sa drawer, sa tabi ng electric fan sa sala. 'Yung tipong "𝘣𝘢𝘳𝘺𝘢 𝘭𝘢𝘯𝘨 '𝘺𝘢𝘯," pero over time… 𝘩𝘢𝘭𝘢, 𝘢𝘯𝘨 𝘥𝘢𝘮𝘪 𝘯𝘢 𝘱𝘢𝘭𝘢.

We’ve been saving coins for months. Walang halong arte—kahit tig-₱1, ₱5, or ₱10, nilalagay namin sa coin jar. Minsan galing sukli sa palengke, minsan tira sa pamasahe. Slowly but surely.

Pagdating sa coin deposit machine, we watched those coins go 𝘤𝘭𝘪𝘯𝘬-𝘤𝘭𝘪𝘯𝘬-𝘤𝘭𝘪𝘯𝘬—and boom. Over ₱4,000 pala ‘yung naipon. Just from coins. Walang bonggang increase sa sweldo, walang 13th month, just small consistent effort.

And it hit me: 𝘀𝗮𝘃𝗶𝗻𝗴 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗯𝗲 𝗴𝗿𝗮𝗻𝗱 𝗼𝗿 𝗰𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱. Kahit tig-iilang piso lang, basta tuloy-tuloy, may mararating.

To my fellow employees and breadwinners: I know ang hirap magtabi minsan. Ang daming bayarin, ang daming kailangang unahin. Pero try this—maglagay ka lang ng coin jar sa bahay. Tawagin mo siyang “𝘌𝘹𝘵𝘳𝘢 𝘍𝘶𝘯𝘥" or “𝘗𝘢𝘯𝘨-𝘚𝘢𝘮𝘨𝘺𝘶𝘱 𝘍𝘶𝘯𝘥", or “𝘗𝘢𝘯𝘨-𝘒𝘪𝘥’𝘴 𝘛𝘳𝘦𝘢𝘵.” Basta kahit anong name na magpapangiti sa’yo.

Then just start. No pressure. No need to count agad. One day, marerealize mo na lang na may maliit kang tagumpay na naipon.

𝗛𝗶𝗻𝗱𝗶 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻𝗴 𝗺𝗶𝗹𝘆𝗼𝗻𝗮𝗿𝘆𝗼 𝗽𝗮𝗿𝗮 𝗺𝗮𝘁𝘂𝘁𝗼𝗻𝗴 𝗺𝗮𝗴-𝗶𝗽𝗼𝗻. 𝗠𝗶𝗻𝘀𝗮𝗻, 𝗯𝗮𝗿𝘆𝗮 𝗹𝗮𝗻𝗴 𝗮𝗻𝗴 𝘀𝗶𝗺𝘂𝗹𝗮 𝗻𝗴 𝗽𝗮𝗴𝗯𝗮𝗯𝗮𝗴𝗼.

©️ctto

24/11/2025

My job isn’t selling insurance — it’s delivering peace of mind, one family at a time.

23/11/2025

Client mong nagka amnesia 😅

22/11/2025

From Secretary ➝ Advisor ➝ Manager Candidate
—From support role to leadership track. Never underestimate your own potential.

21/11/2025

When is the right time to get insurance? 🤔

🅰️ When you have dependents such as your own child?

You probably know that having a kid is really expensive. From raising a baby until they're even 5 and start schooling.

🅱️ Maybe next year when your financial status gets better?

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The truth is, we never really know what happens tomorrow.

Our advice? Talk to a financial advisor today. Someone you can trust and who plays an important role in securing your present and future.

Let's talk about your goals and your current financial status to help you assess when is the best time for you to get insured.

And also, do it while you're younger, healthy, and have fewer financial responsibilities. 🤗