Kharine U. Catibog, Financial Advisor

Kharine U. Catibog, Financial Advisor Here are the basic Steps to Brighter Life. Set Clear Goals
Begin a Saving Habit
Prepare for emergenc

๐‡๐Œ๐Ž ๐ฏ๐ฌ. ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐ˆ๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž: ๐€๐ง๐จ ๐ง๐ ๐š ๐›๐š ๐š๐ง๐  ๐ฉ๐ข๐ง๐š๐ ๐ค๐š๐ข๐›๐š? ๐Ÿค”๐Ÿฅ ๐‡๐Œ๐Ž (๐‡๐ž๐š๐ฅ๐ญ๐ก ๐Œ๐š๐ข๐ง๐ญ๐ž๐ง๐š๐ง๐œ๐ž ๐Ž๐ซ๐ ๐š๐ง๐ข๐ณ๐š๐ญ๐ข๐จ๐ง) ๐–ณ๐—๐—‚๐—‡๐—„ ๐—ˆ๐–ฟ ๐—๐—๐—‚๐—Œ ๐–บ๐—Œ ๐—’๐—ˆ๐—Ž๐—‹ "๐–ฃ๐–บ๐—‚...
01/02/2026

๐‡๐Œ๐Ž ๐ฏ๐ฌ. ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐ˆ๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž: ๐€๐ง๐จ ๐ง๐ ๐š ๐›๐š ๐š๐ง๐  ๐ฉ๐ข๐ง๐š๐ ๐ค๐š๐ข๐›๐š? ๐Ÿค”

๐Ÿฅ ๐‡๐Œ๐Ž (๐‡๐ž๐š๐ฅ๐ญ๐ก ๐Œ๐š๐ข๐ง๐ญ๐ž๐ง๐š๐ง๐œ๐ž ๐Ž๐ซ๐ ๐š๐ง๐ข๐ณ๐š๐ญ๐ข๐จ๐ง) ๐–ณ๐—๐—‚๐—‡๐—„ ๐—ˆ๐–ฟ ๐—๐—๐—‚๐—Œ ๐–บ๐—Œ ๐—’๐—ˆ๐—Ž๐—‹ "๐–ฃ๐–บ๐—‚๐—…๐—’ ๐–ฏ๐–บ๐—Œ๐—Œ" ๐–ฟ๐—ˆ๐—‹ ๐—๐–พ๐–บ๐—…๐—๐—. * ๐—จ๐˜€๐—ฒ ๐—–๐—ฎ๐˜€๐—ฒ: ๐–ฏ๐–บ๐—‹๐–บ ๐—Œ๐–บ ๐–ผ๐—๐–พ๐–ผ๐—„๐—Ž๐—‰๐—Œ, ๐—…๐–บ๐–ป ๐—๐–พ๐—Œ๐—๐—Œ, ๐–บ๐— ๐—†๐—‚๐—‡๐—ˆ๐—‹ ๐–พ๐—†๐–พ๐—‹๐—€๐–พ๐—‡๐–ผ๐—‚๐–พ๐—Œ.

๐—›๐—ผ๐˜„ ๐—ถ๐˜ ๐˜„๐—ผ๐—ฟ๐—ธ๐˜€: ๐–ข๐–บ๐—Œ๐—๐—…๐–พ๐—Œ๐—Œ ๐—Œ๐–บ ๐–บ๐–ผ๐–ผ๐—‹๐–พ๐–ฝ๐—‚๐—๐–พ๐–ฝ ๐—๐—ˆ๐—Œ๐—‰๐—‚๐—๐–บ๐—…๐—Œ.

๐—ง๐—ต๐—ฒ ๐—Ÿ๐—ถ๐—บ๐—ถ๐˜: ๐–ฌ๐–บ๐—’ ๐–ผ๐–บ๐—‰ ๐–บ๐—‡๐—€ ๐–ผ๐—ˆ๐—๐–พ๐—‹๐–บ๐—€๐–พ (๐–พ.๐—€., โ‚ฑ๐Ÿฃ๐Ÿข๐Ÿข๐—„). ๐–ช๐–บ๐—‰๐–บ๐—€ ๐—…๐—Ž๐—†๐–บ๐—‰๐–บ๐—Œ ๐–บ๐—‡๐—€ ๐–ป๐—‚๐—…๐—…, ๐—Œ๐–บ๐—€๐—ˆ๐— ๐—†๐—ˆ ๐–บ๐—‡๐—€ ๐—„๐—Ž๐—…๐–บ๐—‡๐—€.

๐—ข๐˜„๐—ป๐—ฒ๐—ฟ๐˜€๐—ต๐—ถ๐—ฝ: ๐–ฌ๐—ˆ๐—Œ๐—๐—…๐—’ ๐–พ๐—†๐—‰๐—…๐—ˆ๐—’๐–พ๐—‹-๐—‰๐—‹๐—ˆ๐—๐—‚๐–ฝ๐–พ๐–ฝ. ๐–ฏ๐–บ๐—€ ๐—‹๐–พ๐—Œ๐—‚๐—€๐—‡ ๐—†๐—ˆ, ๐—๐–บ๐—…๐–บ ๐—‡๐–บ ๐—‹๐—‚๐—‡ ๐–บ๐—‡๐—€ ๐–ผ๐–บ๐—‹๐–ฝ. ๐Ÿ›‘

๐Ÿ›ก๏ธ ๐‡๐„๐€๐‹๐“๐‡ ๐ˆ๐๐’๐”๐‘๐€๐๐‚๐„ ๐–ณ๐—๐—‚๐—‡๐—„ ๐—ˆ๐–ฟ ๐—๐—๐—‚๐—Œ ๐–บ๐—Œ ๐—’๐—ˆ๐—Ž๐—‹ "๐–ฅ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—… ๐–ฒ๐–บ๐–ฟ๐–พ๐—๐—’ ๐–ญ๐–พ๐—." * ๐—จ๐˜€๐—ฒ ๐—–๐—ฎ๐˜€๐—ฒ: ๐–ฏ๐–บ๐—‹๐–บ ๐—Œ๐–บ ๐—†๐–บ๐—ƒ๐—ˆ๐—‹ ๐—๐—‚๐—๐—Œ (๐–ข๐–บ๐—‡๐–ผ๐–พ๐—‹, ๐–ฒ๐—๐—‹๐—ˆ๐—„๐–พ, ๐–ง๐–พ๐–บ๐—‹๐— ๐– ๐—๐—๐–บ๐–ผ๐—„).

๐—›๐—ผ๐˜„ ๐—ถ๐˜ ๐˜„๐—ผ๐—ฟ๐—ธ๐˜€: ๐–ฌ๐–บ๐—„๐—Ž๐—„๐—Ž๐—๐–บ ๐—†๐—ˆ ๐–บ๐—‡๐—€ ๐—Ÿ๐˜‚๐—บ๐—ฝ ๐—ฆ๐˜‚๐—บ ๐—–๐—ฎ๐˜€๐—ต (๐–พ.๐—€., โ‚ฑ๐Ÿฃ๐–ฌ) ๐—Ž๐—‰๐—ˆ๐—‡ ๐–ฝ๐—‚๐–บ๐—€๐—‡๐—ˆ๐—Œ๐—‚๐—Œ. ๐–ช๐–บ๐—๐—‚๐— ๐—Œ๐–บ๐–บ๐—‡ ๐—„๐–บ ๐—†๐–บ๐—ˆ๐—Œ๐—‰๐—‚๐—๐–บ๐—…, ๐–ผ๐—ˆ๐—๐–พ๐—‹๐–พ๐–ฝ ๐—„๐–บ! ๐Ÿ’ฐโœจ

๐—ข๐˜„๐—ป๐—ฒ๐—ฟ๐˜€๐—ต๐—ถ๐—ฝ: ๐–ฏ๐–พ๐—‹๐—Œ๐—ˆ๐—‡๐–บ๐—… ๐—†๐—ˆ ๐—‚๐—๐—ˆ๐—‡๐—€ ๐–บ๐—‹๐—‚. ๐–ช๐–บ๐—๐—‚๐— ๐—†๐–บ๐—€-๐—‹๐–พ๐—๐—‚๐—‹๐–พ ๐—„๐–บ ๐—ˆ ๐—†๐–บ๐—€๐—‰๐–บ๐—…๐—‚๐— ๐—‡๐—€ ๐—ƒ๐—ˆ๐–ป, ๐—‰๐—‹๐—ˆ๐—๐–พ๐–ผ๐—๐–พ๐–ฝ ๐—„๐–บ. ๐Ÿ’ช

โœจ ๐’๐จ, ๐š๐ง๐จ ๐š๐ง๐  ๐๐š๐ฉ๐š๐ญ ๐ฆ๐จ๐ง๐  ๐ฉ๐ข๐ฅ๐ข๐ข๐ง? โœ… ๐‡๐Œ๐Ž ๐—‚๐—Œ ๐—€๐—ˆ๐—ˆ๐–ฝ ๐–ฟ๐—ˆ๐—‹ ๐—Œ๐—†๐–บ๐—…๐—… ๐–พ๐—‘๐—‰๐–พ๐—‡๐—Œ๐–พ๐—Œ, ๐–ป๐—Ž๐— ๐—‚๐— ๐—๐–บ๐—Œ ๐—…๐—‚๐—†๐—‚๐—๐—Œ.

โœ… ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐ˆ๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐—‰๐—‹๐—ˆ๐—๐–พ๐–ผ๐—๐—Œ ๐—’๐—ˆ๐—Ž๐—‹ ๐—…๐—‚๐–ฟ๐–พ ๐—Œ๐–บ๐—๐—‚๐—‡๐—€๐—Œ ๐–ฟ๐—‹๐—ˆ๐—† ๐—†๐–บ๐—ƒ๐—ˆ๐—‹ ๐–ผ๐—‹๐—‚๐—Œ๐–พ๐—Œ.

๐Ÿ† ๐—ฃ๐—ฟ๐—ผ-๐—ง๐—ถ๐—ฝ: ๐–ณ๐—๐–พ ๐–ป๐–พ๐—Œ๐— ๐—Œ๐—๐—‹๐–บ๐—๐–พ๐—€๐—’? ๐–ง๐–บ๐—๐–พ ๐–ป๐—ˆ๐—๐—! ๐–ด๐—Œ๐–พ ๐—’๐—ˆ๐—Ž๐—‹ ๐–ง๐–ฌ๐–ฎ ๐–ฟ๐—ˆ๐—‹ ๐—๐—๐–พ ๐–ผ๐—๐–พ๐–ผ๐—„๐—Ž๐—‰๐—Œ ๐–บ๐— ๐–บ๐—‡๐—€ ๐–ง๐–พ๐–บ๐—…๐—๐— ๐–จ๐—‡๐—Œ๐—Ž๐—‹๐–บ๐—‡๐–ผ๐–พ ๐—‰๐–บ๐—‹๐–บ ๐—Œ๐–บ ๐—†๐–บ๐—…๐–บ๐—„๐—‚๐—๐–บ๐—‡๐—€ ๐—€๐–บ๐—Œ๐—๐—Ž๐—Œ๐—‚๐—‡.

๐—œ๐—ก ๐—ฆ๐—›๐—ข๐—ฅ๐—ง: ๐Ÿ”น ๐‡๐Œ๐Ž = ๐–ฒ๐–บ๐—€๐—ˆ๐— ๐–บ๐—‡๐—€ ๐—๐—ˆ๐—Œ๐—‰๐—‚๐—๐–บ๐—… ๐–ป๐—‚๐—…๐—…๐—Œ.

๐Ÿ”น ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐ˆ๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž = ๐–ก๐—‚๐–ป๐—‚๐—€๐—’๐–บ๐—‡ ๐—ž๐—” ๐—‡๐—€ ๐–ผ๐–บ๐—Œ๐— ๐—‰๐–บ๐—‡๐—€-๐—‹๐–พ๐–ผ๐—ˆ๐—๐–พ๐—‹๐—’.

๐–ฃ๐—ˆ๐—‡'๐— ๐—๐–บ๐—‚๐— ๐—Ž๐—‡๐—๐—‚๐—… ๐—’๐—ˆ๐—Ž'๐—‹๐–พ ๐—Œ๐—‚๐–ผ๐—„ ๐—๐—ˆ ๐—€๐–พ๐— ๐—‰๐—‹๐—ˆ๐—๐–พ๐–ผ๐—๐–พ๐–ฝ. ๐Ÿ›ก๏ธ

๐Ÿ“ฉ ๐’๐ž๐ง๐ ๐ฆ๐ž ๐š ๐ƒ๐Œ ๐ญ๐จ ๐œ๐ก๐ž๐œ๐ค ๐ญ๐ก๐ž ๐›๐ž๐ฌ๐ญ ๐ฉ๐ฅ๐š๐ง ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ!๐Ÿ’›

#๐–ง๐–ฌ๐–ฎ #๐–ง๐–พ๐–บ๐—…๐—๐—๐–จ๐—‡๐—Œ๐—Ž๐—‹๐–บ๐—‡๐–ผ๐–พ #๐–ฅ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—…๐–ฅ๐—‹๐–พ๐–พ๐–ฝ๐—ˆ๐—† #๐–จ๐—‡๐—Œ๐—Ž๐—‹๐–บ๐—‡๐–ผ๐–พ๐–ฏ๐–ง #๐–ถ๐–พ๐–บ๐—…๐—๐—๐–ฏ๐—‹๐—ˆ๐—๐–พ๐–ผ๐—๐—‚๐—ˆ๐—‡

Ikaw, anong worry mo?
04/09/2025

Ikaw, anong worry mo?

Even modern-day heroes have their own battles.โ€‹

You show up every day for your family, your future, your dreams. But behind the strength, there are silent worries. Whatโ€™s your biggest worry while working?โ€‹

And like any hero, you deserve a shield. Explore Sun Lifeโ€™s Digital, Easy, Affordable, Life Insurance (D.E.A.L.s) to protect yourself and your loved ones. ๐Ÿ›ก๏ธโ€‹

Explore Sun Lifeโ€™s D.E.A.L.s here:โ€‹
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*Terms and conditions applyโ€‹
**Sun Life D.E.A.L.s are available to registered GCash members

If we can do this now, why not?
04/09/2025

If we can do this now, why not?

Ber months are here! Kamusta na ang financial goals mo? ๐Ÿค”

Working hard for the present is good. But working harder for your future is the best! ๐Ÿ’›

Ready to plan a brighter future? Go to sunlife.co/talktoadvisor and talk to a Sun Life Advisor for a FREE financial need analysis today!


Secured income, guaranteed returns.
04/09/2025

Secured income, guaranteed returns.

A familiar favorite is back. Sun Wealth Prime 7 returns with all the guarantees you love!

This trusted protection and savings plan offers GUARANTEED annual cash payout of 4% of the one-time payment, 100% return of premium at maturity, and life insurance coverage for 7 years โ€” all these in one hassle-free insurance plan.

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Sun Life of Canada (Philippines), Inc. is regulated by the Philippinesโ€™ Insurance Commission (IC). For client assistance, know about our process at sunlife.co/SunLifeCAMS or contact: 02-8849-9888 | [email protected] | Sun Life Centre, 5th Ave. cor Rizal Drive, BGC Taguig. For consumer concerns, contact IC (Manila, Cebu & Davao): 02-8523-8461 | [email protected].

Ending the year 2021. Thank you!Glad and honored to be of service to my clients. The pandemic somehow opened the minds o...
27/01/2022

Ending the year 2021. Thank you!

Glad and honored to be of service to my clients.

The pandemic somehow opened the minds of many people really how fragile life is. The reality becomes clearer. Financially, we must be more prepared. Jobs can be lost, business might slow down, and sadly lives can be gone.

Saving and setting aside for our future seems to be difficult. But we really have to put some thoughts and effort. Life can be much brighter.

I am more than willing to be of service to you dear friend. Letโ€™s sit down, analyze and plan. 2022 might be the year for you.

They chose to secure their health!!!I am so proud of my dynamic,hardworking and open minded couple friend. At this stage...
06/12/2021

They chose to secure their health!!!

I am so proud of my dynamic,hardworking and open minded couple friend. At this stage of their life, they had a newly built home, growing kids, new car, flourishing career and most of all, they are building their portfolio with insurance (3 yrs ago the whole family got a VUL PLAN) and now, health protection.๐ŸŽ‰๐Ÿฅ‚ I admire how they set on prioritzing things.

I once asked them, โ€œ Parang andami nyong payables this time, considering in a span of a year ang dami nyong nadagdag na assetโ€. They answered, โ€œpampasipag lalo eh, pag alam mong madami kang bayarinโ€ ๐Ÿค—

Yes they are a millenial, but they know what they want. They have a clear vision about their plans, when and how.

Gusto mo din ba ng ganito?

Mapapa- sanal all ka na lang. ๐Ÿค—

I know many of us also want to get plans, pero minsan intimidating. Baka di kaya ng budget. Baka mahal. Well, thereโ€™s no harm in asking for a proposal that meets your budget and needs.

DM me in case you want one. Have a good day!

Thatโ€™s why respect is earned ๐Ÿค” Itโ€™s all about the attitude.
23/07/2021

Thatโ€™s why respect is earned ๐Ÿค” Itโ€™s all about the attitude.

A badge of recognition is indded an honor. Itโ€™s like a tap on the shoulder after a hard dayโ€™s work.This was earned in 20...
22/06/2021

A badge of recognition is indded an honor. Itโ€™s like a tap on the shoulder after a hard dayโ€™s work.

This was earned in 2020, a year of uncertainty. But then again, when one does an honest work, it will go unnoticed.

Hats off to my colleagues in the insurance world.

How does one trully express love?Much more, how does one go beyond love?There are million ways in showing our family tha...
09/04/2021

How does one trully express love?
Much more, how does one go beyond love?

There are million ways in showing our family that we love them. How do you express yours?
โค๏ธ

Hello 2021!It was indeed a tough 2020. But it taught us a lot of things. Our priorities have changed. Our outlook have s...
09/03/2021

Hello 2021!

It was indeed a tough 2020. But it taught us a lot of things. Our priorities have changed. Our outlook have shifted. Our perspective became wider. Our goals more defined.

Letโ€™s not wait fot the world to change to the way it used to be. Let us change ourselves and let the world see us.

Have an even brighter life!๐Ÿค—

Attending Sunlife Congress at th comfort of my home. But it feels so real like I am some Arena.Thank you Sunlife for doi...
15/01/2021

Attending Sunlife Congress at th comfort of my home. But it feels so real like I am some Arena.

Thank you Sunlife for doing this!

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