RJ Baldonado, Financial Advisor, Sun Life Philippines

26/10/2025

🌟 Secure Your Family’s Future Before the Year Ends! 🌟

Good news for everyone! 🎉 SunLife’s NEW plan is here, and guess what? NO MEDICAL EXAM required! 🩺❌

If you or your loved ones (mom, dad, Lolo, Lola) were denied coverage before, this is your chance to finally get protected! ❤️ Perfect for seniors and those with health concerns—no stress, no hassle.

📩 Message me NOW for a FREE sample computation and personalized proposal.

24/01/2025

SOME LESSONS ON FINANCES 💯

1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle.

2. SAVE MONEY and MONEY WILL SAVE YOU. Don't save what is left after spending. Only spend what is left after saving.

3. Best to have ZERO DEBT, if you can't pay cash, you CAN'T AFFORD it, nothing beats PEACE OF MIND.

4. Avoid unnecessary spendings, forget sale price, everything is 100% off when you don't buy it. Don't waste your money on things that you don't need, even if they are cheap. EVERY PESO COUNTS!

5. Learn to BUDGET - it is telling your money where to go instead of wondering where it went!

6. If we buy things that we don't need, we will have to SELL THINGS THAT WE NEED.

7. PRETENDING TO BE RICH can make us poor. Must learn to live BELOW MEANS. Don't go broke trying to look rich.

ACT YOUR WAGE.

8. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money for our FAMILY.

9. Always have a BACK-UP PLAN for life's uncertainties.

Start having your personal LIFE INSURANCE and INVESTMENT.

10. Let's break the TOXIC FAMILY CULTURE about
FINANCES. Your children is not your retirement fund, and your parents is not your emergency fund.

CTTO ✍️ 🖼

13/01/2025

𝐈𝐭 𝐬𝐭𝐚𝐫𝐭𝐬 𝐚𝐭 𝐡𝐨𝐦𝐞.
Fueling their mind.
Watering their thoughts.
Showing them grace and asking for forgiveness when we’ve fallen short.

𝐈𝐭 𝐬𝐭𝐚𝐫𝐭𝐬 𝐚𝐭 𝐡𝐨𝐦𝐞.
Building healthy relationships.
Teaching them manners.
Showing them the power of kindness.

𝐈𝐭 𝐬𝐭𝐚𝐫𝐭𝐬 𝐚𝐭 𝐡𝐨𝐦𝐞.
Using words that honor.
Speaking life into our situations.
Refusing to give up when the going gets tough.

𝐈𝐭 𝐬𝐭𝐚𝐫𝐭𝐬 𝐚𝐭 𝐡𝐨𝐦𝐞.
Prioritizing the right things.
Making memories in the mundane.
Feeling our emotions rather than bottling them up.

𝐈𝐭 𝐬𝐭𝐚𝐫𝐭𝐬 𝐚𝐭 𝐡𝐨𝐦𝐞.
Being there for them.
Opening the lines of communication.
Getting to know them more each and every day.

And each and every day, I pray that home will be a place they remember as learning, laughing, growing, forgiving, and setting a strong foundation for many years to come.

12/01/2025

You don’t need permission to follow your dreams or live life on your terms. You are worthy of taking up space, pursuing what lights you up, and going after your goals unapologetically. Stop dimming your light to fit in—shine as brightly as you can. 💡🌟

Happy Monday!

12/01/2025

Celebrating 130th Year in the Philippines 🇵🇭 ☀️

10/01/2025

It’s Okay to Rest. Happy Weekend!

08/01/2025

Your choice is always yours.

08/01/2025

Stop getting distracted by things that have nothing to do with your goals.

06/01/2025

A body being loaded as cargo on a plane.

Today you fly first-class, tomorrow you are carried as cargo.

The moment you think you’ve achieved it all; that you are better and capable than others that will be the same moment you’re most vulnerable. When people begins to think they are better than others and only makes decisions based on what’s best for them, they become self-centered and prideful. Do not use your success to destroy and bully other people.

Be humble always and never think that you are better than anyone else. for dust you are ;and unto dust
you shall return.

04/01/2025

Your past is a lesson not a life sentence.

Hindi mo kailangang dalhin lahat ng doubts, failures, or regrets mula sa nakaraang taon.

Instead, let go of the things that weigh you down, and embrace this new chapter with hope and courage.

Kasi, ang bagong taon ay hindi lang basta calendar reset; it’s also a chance for you to realign your life with your purpose.

Kaya this coming year, choose to rise above the challenges.

Chase your dreams with purpose, forgive yourself for your mistakes, and trust that God has greater plans for you.

Life won’t be perfect, pero sa bawat araw na pipiliin mong magpatuloy, you’re moving closer to the person you’re meant to be.

So, this coming 2025, step out of your comfort zone. Take risks, be bold, and trust the process.

Remember, every new beginning is a blessing. Start strong and make every moment count. ✨

03/01/2025

Approved! ✅ Insurance application ng isang 36 yr old working Mom of 3 secured na! Proud Ako sayo 😊 👏

Interesado ka rin bang magkaroon ng peace of mind? Tara, usap tayo!