Thinking JUAN

Thinking JUAN Thinking JUAN believes that no one should die poor; that every JUAN deserves equal opportunity; that

Filipinos have become aware of the value and significance of having life insurance, thus, awaiting a better and brighter...
31/03/2022

Filipinos have become aware of the value and significance of having life insurance, thus, awaiting a better and brighter future for their families and loved ones.

When I was in college, I never heard anything about investment. Hence, after graduating and landed my first job, all I d...
19/03/2021

When I was in college, I never heard anything about investment. Hence, after graduating and landed my first job, all I did was save my money in the bank and let it sleep there. Maybe because that's the only option I had known back then. I only found out about growing my money when I was working for almost 6–years already. Now, I felt that I wasted a lot of time and opportunities were missed. If I had known someone knowledgeable and enlightened me about investment, the difference it would make with me, handling my finances would be substantial. Time plays a vital role when it comes to investment. The younger you start, the more time your money can grow — exponentially. Hence if there is one regret I have in the past, that was not investing at a younger age. As a financial advisor, I also want to make sure people will have a fair chance to invest their money in the stock market no matter their status in life. To date, our Stock Index is at the 6400 levels, allowing us to buy shares of established companies at a lower price. Currently, we are in a recession, and there is a surge in the number of covid–19 cases. Thus, our market is in a downward movement. Hence, start investing becomes more enticing and appealing. We both know you have two options here: either you sit there and do nothing, or take advantage of the situation and let your money works for you. Feel free to send me a message.



My client introduced his wife and informed me that she bought a Sun Life plan when she was still single. Unfortunately, ...
10/03/2021

My client introduced his wife and informed me that she bought a Sun Life plan when she was still single. Unfortunately, she can no longer contact her advisor and wants to add her husband as a beneficiary to her existing plan. I asked his wife’s permission if she will allow me to be her servicing advisor, and thus, I can assist her with her concern. After almost a week of waiting, at last, Sun Life will now update her last name, and her husband is now one of her beneficiaries.

This client has an ongoing obligation to the bank because of the condo unit he purchased a few years ago. As a prerequis...
10/03/2021

This client has an ongoing obligation to the bank because of the condo unit he purchased a few years ago. As a prerequisite by any bank before they grant your loan, you have to settle a mortgage redemption insurance (MRI). MRI is used to protect the loan of the borrower in case of premature death. One of the beauties of life insurance is it can also use as mortgage redemption insurance. And this is the case with my client. His Sun Life Plan will help him from his obligation to the bank, also guarantees his retirement and health insurance plan as he moves forward. It’s like hitting three birds with one stone. Currently, he is capitalizing on all the opportunities that come his way while young and able. Because he knows whatever he does today will be fully benefited by his family -- future wife, future kids -- and future him.

A father, single-handedly raising his son, who is also an OFW, just bought a health insurance plan for his son. He's bee...
10/03/2021

A father, single-handedly raising his son, who is also an OFW, just bought a health insurance plan for his son. He's been abroad for so many years and wanted to be sure that all his hard work and sacrifices will not put to waste if something inevitable happens -- being sick. Instead of depleting his savings, he decided to look for other ways to pay all the medical bills if the unfortunate happens. Hence, he needs a partner who will take good care of that for him. Thus, whatever earnings he has will be saved for his mortgage, small businesses, son's educational fund, and retirement fund. As I guide him to take one step at a time, we both looking forward to settling his retirement plan when the budget is permitted. For now, he's enjoying his newfound partner in helping all his goals come true.

Thank you, ma’am, for the unwavering trust and believing in me in handling your daughter’s and niece’s Sun Life plan. It...
08/10/2020

Thank you, ma’am, for the unwavering trust and believing in me in handling your daughter’s and niece’s Sun Life plan. It will always be my pleasure to provide quality service and invaluable assistance to you in all the ways that I can. I’m now in the office, in queue, waiting my number to be called and, ready to submit your two application forms.

God is great!

P.S. I intentionally did not mention your name, ma’am, for safety and security reasons.

How can you beat inflation? First, what is inflation? Inflation is a general increase in prices and fall in the purchasi...
26/07/2020

How can you beat inflation? First, what is inflation? Inflation is a general increase in prices and fall in the purchasing value of money (thanks to google). Meaning, it reduces the purchasing power of our money, which leads to an increase in the prices of goods and services over time. I remember before you only need to pay 25 pesos for a good haircut. But now, you have to pay 80 pesos for a haircut in a regular barbershop -- and that's inflation. Before, you can buy fish, meat, vegetables, and all the needed ingredients for your dish with only 100 pesos as your budget. But now, it's not even enough to buy 1 kilo of meat -- and again that's inflation. Going back to the question of how you can beat inflation. To beat inflation you need to increase the value of your money, and for you to increase the value of your money, you need to invest it. Now, if you invest your money and say, earn a rate of return of 8% then you'll stay ahead of inflation since we're at around 2.5% inflation rate as to date. Where can you invest your money? Aside from Life Insurance, you can also invest your money in stocks, mutual funds, bonds, etc.

I remember when I first came here to Manila after graduation. The only thing I have in me is my unbounded confidence and...
22/07/2020

I remember when I first came here to Manila after graduation. The only thing I have in me is my unbounded confidence and inexplicable curiosity of living alone. I forget the number of times I had applied and the number of times I was rejected. To cut the story short I landed my first job as a customer sales representative. As a breadwinner, I help my family back in Batangas. Back then I budgeted my salary from my food allowance, transpo, rent, and the rest I gave it to my family. After five years of employment I had realized nothing was left for me -- no savings account, no emergency fund -- worst I’m not even preparing for my retirement. I took a bold step and get two jobs at the same time -- casino dealer sa umaga -- property specialist sa gabi. But the fatigue was beginning to take its toll so I have no choice but to let go of the former. During my client meeting, I’m about to pick up PDCs from my client who purchases a unit somewhere in Makati. She asks me if I have any idea about stocks. I politely said none. I told her it's one of my goals -- sadly I don’t know where to start. She had shared information about life insurance, stocks, compounding interest, etc., then informed me to check a particular website. Fast forward -- now I’m a full-time financial advisor from Sun Life. I realized so many IFs from my past experience. Kung nagsimula lang sana ako ng mas maaga, kung hindi ko sana binili yung ganyan, kung inipon ko na lang sana yung ganito. This is what makes my work purposeful. I educate people and collaborate with them on how to craft a better financial plan towards their future. I've clients from different walks of life -- from fast food crew, online seller, call center agent, pilates teacher, ofw, single mom, accountant, engineer, business owner, etc. I’m sharing you this because it tells me: no matter where you are in life, we all have equal chances the same as the others. It's more about our discipline and perspective on how we value our future. I might not be a perfect advisor, and will never be. But if there's one thing I can guarantee you -- I WILL DELIVER WHEN IT MOST MATTERS.

This is one of the many stories that make up our 30 Solid Years of Professional Excellence and Experience carved out of Purpose, Creativity, and Passion. Amidst this Pandemic — all the more WE WILL SERVE, WE WILL PERFORM — ESPECIALLY NOW WHEN IT MOST MATTERS.


I met this client of mine when I was still with my previous company. I remember I saw her walking towards our booth so I...
17/07/2020

I met this client of mine when I was still with my previous company. I remember I saw her walking towards our booth so I approached her and handed my flyer. She politely accepted my leaflet and told me that she already had an agent. I recalled how thrilled she was when she mentioned that she had made a reservation of a 1 bedroom unit located near her place. After a moment of chit chat, she asked me, what will happen after she fully paid the down payment, which I'm obliged to answer. I found out that she's working in a fast food as a crew member. Needless to say, I also did some background check about her other sources of income before giving a piece of sound advice. In the end, she decided to request a refund on her reservation due to the fact that the bank may not approve her bank loan application, thus losing her hard-earned money in the long run. After a few years, I approached her and informed her that I'm now affiliated with Sun Life as a full-time Financial Advisor. I requested an appointment with her, and we met somewhere in the North. Part of my job is to know exactly what she needs, what are her circumstances, and what is her financial position. She had shared that her husband is a tricycle driver, and her contract with her employer had ended. Nonetheless, she still wanted to know more about the benefits of Life Insurance and the difference it can bring to her family's future. After I informed her of my recommendation, she signed the application form and paid her initial premium. Before we part ways, I asked her if she's really sure about her decision and I'm willing to make any amendments with my proposal. She just looked at me and said "No need Sir, I know I can fully trust you and that's all I need." As to date, her funds are doing well and never missed to pay her quarterly contributions (this makes me proud of her). I always keep her posted in making sure that she's still on track with her plans. I'm looking forward to meeting her again once everything comes back to normal and probably start planning for her daughter's educational plan.

Always be mindful with your portfolio. Remember that the status of the stock market and the perception of the economy by...
15/07/2020

Always be mindful with your portfolio. Remember that the status of the stock market and the perception of the economy by consumers vary from time to time. Hence, what is right for your portfolio today, may not be the best for it tomorrow. Be prepared to make any investment changes if needed.

The volatility of the market is what makes investing more challenging. It means that sometimes the market is up, sometim...
14/07/2020

The volatility of the market is what makes investing more challenging. It means that sometimes the market is up, sometimes the market is down. To curtail of losing money when stocks go down, you have to make sure that, you do not put your money in one stock, but diversified it by buying different stocks in different industry. This way, you will have some stocks that are rising, even when others are falling.

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