Maui

09/07/2025

“Next year na tayo mag-invest.”
Sabi nila, taon-taon.

Pero habang nagdadalawang-isip sila…
📈 Tumataas ang value ng mga na-miss nilang investments
⌛ Tumatakbo ang oras — hindi na mababalikan

Ngayon, ang tanong nila:
“Bakit hindi natin sinimulan noon pa?”

→ Habang naghihintay ka ng perfect timing…
‘Yung pera mo, hindi na naghihintay.

💡 Investment isn’t about timing the market.
It’s about time in the market.

At minsan, the best time to start was yesterday.
But the second best time… is now.

🔗 Click mo ‘to para malaman kung paano ka makakapagsimula — kahit paunti-unti:
https://marjohnrobillo.pro/

02/07/2025

All of a sudden, everyone temporarily forgot the awful things Hwang In-ho did when he took the effort of getting Seong Gi-hun’s remaining money from his room, depositing it in the bank, and giving Ga-yeong the access to it, right? ‘Cause it was indeed such a noble act.
This is somehow similar to what insurance advisers are trying to do, to make you leave money for your kids when you die. For them to have a better future. To extend your provision for them.
Dying is inevitable, we know that. And you don’t have to win in a set of deadly games to leave a huge amount for your kids. Getting an affordable insurance policy can let you do that.
One thing’s certain, as a parent, YOUR DESIRE TO PROVIDE FOR YOUR CHILD/REN DOESN'T END WHEN YOUR LIFE DOES. Am I right?
So get yourself insured. Check your Messenger. Your insurance adviser friend is waiting for your reply. 😊

ctto

02/07/2025

let me know lang.. willing to assist ❤️🤗

18/06/2025

𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗟𝗶𝘁𝗲𝗿𝗮𝗰𝘆 𝟭𝟬𝟭:
𝗠𝗮𝗿𝗮𝗺𝗶𝗻𝗴 𝗽𝗶𝗻𝗼𝘆 𝗵𝗶𝗻𝗱𝗶 𝗮𝗹𝗮𝗺 𝗶𝘁𝗼.

Kahapon, pumunta ako sa bangko para magpa-activate ng online access sa account ko.

May kasabay akong lola, siguro mga 60s na, may dalang envelope na punong-puno ng documents.

Tahimik lang ako, until bigla siyang nagtanong:

“Apo, ano ba kadalasan hinihingi sa bangko kapag kukuha ng pera?”

Akala ko pera niya ‘yung tinutukoy, kaya sagot ko,
“Usually po valid ID okay na po. Pero mas okay itanong niyo na rin sa teller.”

Ngumiti lang siya at tumango.

After a few minutes, tinawag na siya.
Dahil medyo bored na ako (at oo, curious din ako), naki-tingin at nakinig ako sa usapan nila.

Doon ko nalaman na yung pera pala ay sa asawa niya.

At yung asawa nya, may iniwan daw na pera sa kanila na inilagay sa banko.

Pero hindi niya ma-access.

At bilang isang Financial Advisor, alam ko na agad saan papunta ‘yung usapan.

Hindi basta-basta makuluha ni Lola yung pera ng asawa nya.

Bakit? Ito yung isang bagay na hindi alam ng marami kaya basahin mo pa.

Kailangan mo munang dumaan sa legal process at bayaran ang estate tax, which is 6% ng total halaga ng pera at assets.

Yes, kahit gano pa kalaki ang pinagsikapan mong ipunin sa bangko, hindi ito automatic mapupunta sa pamilya mo kung wala kang proper financial planning.

Halimbawa, may naiwan kang Php 1M sa bangko?

Akala ng karamihan, automatic na makukuha ng pamilya nila 'yon.
Pero hindi ganun kadali.

📌 Here’s what actually happens:

Let’s say ₱1M ang laman ng bank account mo.

Pag wala kang life insurance or estate planning documents, kailangan muna ng pamilya mo na:

✅ Dumaan sa legal process (court + affidavit + bank requirements)
✅ Bayaran ang Estate Tax – which is 6% = ₱60,000 (tho, pwede pa syang mabawasan if may debt si client and other situations na pwede pang ideduct)
✅ Mag-present ng proof of relationship, valid IDs, death certificate, etc.

At habang kulang pa ang requirements?
Hindi marerelease ang pera.

Kaya ito yung mga narealize ko ulit that day:

💡 Hindi sapat na may ipon lang sa bangko.

💡 Hindi automatic na mapupunta sa mahal mo ang pera mo kung may mangyari sa’yo.

💡 Kailangan ng proper documents, protection, and planning — like life insurance.

Kasi pag may life insurance ka, ano ba naman yung barya nalang sayo yung pangbayad mo nh estate tax to get that 1M.

Less hassle pa.

See?

Life insurance isn’t just about coverage.
It helps your loved ones avoid legal headaches, taxes, and delays kapag dumating na ang unexpected.

Kaya if you want to protect the people you love from that kind of burden,
message me and let’s talk about how this works for you.

Minsan hindi lang para sa sarili natin ang desisyon — minsan ginagawa natin 'to para sa mga taong iiwan natin.

-
Do you want to start plan that can help you for your estate planning?

Book a FREE clarity call with me. No pressure, no hard selling, just giving you clarity how it can help you plan things out in the future.

Cto: Adulting 101

16/06/2025

“Insurance is expensive.”
Not really.
What most people don’t realize is that insurance isn’t a fixed price. It’s personalized based on your age, the coverage you want, and how long you plan to pay. That means you can actually start with a plan that fits your budget — some even cost less than your monthly streaming subscriptions.
At the end of the day, insurance isn’t about how much it costs — it’s about how much you value being prepared.
Affordable protection exists — you just have to look into it.
We often say something is expensive when we don’t see its value because price without perceived benefit feels like a loss.
Here’s why:
• If we don’t understand what we’re paying for, even a small amount can feel like too much.
• But when we see how something helps or protects us — like insurance giving peace of mind, security, or financial safety — we begin to see it as worth it, not costly.
It’s not the price that changes — it’s our perspective.
Once value is clear, cost becomes just a detail.

13/02/2025

Getting sick in the Philippines is so expensive. 💔

Without emergency funds or life insurance, you’re left with two painful choices: either you endure the illness and skip treatment, or your savings and everything you’ve worked hard for will be drained, leaving you in debt. 😞

It’s a harsh reality, but it doesn’t have to be this way. Protect yourself and your future before it's too late.

19/12/2024

13/12/2024

‼️ Choose your fighter ‼️

🏢𝗣𝗵𝗶𝗹𝗛𝗲𝗮𝗹𝘁𝗵 - “Wala kaming budget this year”
Monthly deduction to our salary, pero saan napupunta?
Tapos wala pang budget allocation for next year.

🏣𝗣𝗖𝗦𝗢 - “Pila ka muna”
Limited medical assistance and need pumila ng halos buong araw or worst magpabalik-balik dahil sa cut-off.

🪪𝗛𝗠𝗢 - “Hanggang 200K lang kami”
Usually provided ng company, pero may mga corporations na hindi agad ito binibigay sa employee. Limited lang din.

⛑️PruLifeUK - “We can give you up to ₱11,250,000” for critical illness claim
Sulit ang monthly savings mo with Pru because we can give millions of pesos once na madiagnose ng critical illness ang insured. Hindi na din kailangan pumila. May investment din na kasama.

Reality check lang tayo friends, kapag may instant na ganitong kalaking problema, instant din na malaking halaga ang kailangan.

We deserve access to quality medical care!
Be practical and prepared❤️

Check your options. To know more about the investment plans and comprehensive life & health insurance coverages.

20/11/2024

Use your 13th-month pay wisely. Invest in your goals, save for the future, and treat yourself responsibly 🍀😉