The Star Planner

02/09/2026

Proud to be part of #1 Insurer in the Philippines. 🧡✨

We're grateful for the trust you place in us. 🧡

FWD remains the Philippines' #1 life insurer in Q2 2026.

More than a milestone, this reflects the growing number of Filipinos choosing to protect what matters most. Your trust inspires us to keep making insurance simpler, more relevant, and more accessible, while we help more Filipinos build financial confidence and truly celebrate living.

31/08/2026

Meet my First Star ✨🧡

26/08/2026

Proud to be part of #1 Insurer in the Philippines 🧡

We're grateful for the trust you place in us. 🧡

FWD remains the Philippines' #1 life insurer in Q2 2026.

More than a milestone, this reflects the growing number of Filipinos choosing to protect what matters most. Your trust inspires us to keep making insurance simpler, more relevant, and more accessible, while we help more Filipinos build financial confidence and truly celebrate living.

26/08/2026

Bakit nga ba STAR ang tawag ko sa mga clients ko? ✨

24/08/2026

Why I became a Financial Advisor ✨

17/06/2026

One Thing We Wish We Started Earlier

Matagal na kaming magkasama ng partner ko sa bahay, and ever since, sinusunod namin yung 50-50 rule pagdating sa finances. Hati sa bills, hati sa dates, halos hati sa lahat. Kahit mas malaki ang sahod ng isa, dapat equal pa rin ang contribution.

At first, feeling namin fair siya.

But eventually, we realized na hindi pala siya fair in practice.

Why?

Because mas mabigat siya para sa taong mas mababa ang income. Kahit pareho kayong nagbibigay ng amount, hindi pareho yung impact nito sa finances ninyo.

For example, kung ang isa ay kumikita ng ₱30,000 per month at ang isa naman ay ₱60,000 per month, tapos may ₱10,000 kayong rent, tig-₱5,000 kayo.

On paper, equal siya.

Pero para sa kumikita ng ₱30,000, that’s already 16% of their income. Para naman sa kumikita ng ₱60,000, nasa 8% lang.

Same amount. Different impact.

That’s why we eventually decided to combine our income. Naging “pera namin” na siya, hindi na “pera ko” at “pera niya.”

For us, mas naging madali ang pag-budget, pag-prioritize ng bills, at pag-manage ng wants and needs. Mas naging team effort yung finances namin instead of keeping score kung sino ang nagbayad ng ano.

Of course, iba-iba naman ang setup ng bawat couple o mag-asawa. Hindi namin sinasabing ito ang tamang paraan para sa lahat.

Ito lang yung nag-work para sa amin.

Kayo, paano ang setup ninyo pagdating sa finances?

11/06/2026

One of the biggest money lessons we've learned as a couple is that financial decisions become easier when you're working towards the same goals. ❤️

Here are 3 things that have helped us:

1️⃣ Before making a big purchase, we ask ourselves:
"Will this still give us value years from now?"

It's easy to get excited about buying something today. But we've learned that not everything that makes us happy now will help us reach our goals later.

2️⃣ Build an emergency fund as a couple.

Not just enough for one person, but enough to protect both of you.

Life can be unpredictable. Having 3 to 6 months' worth of expenses saved gives us peace of mind knowing we're better prepared for unexpected situations.

3️⃣ Get insured together.

This was one of the best financial decisions we made.

We work hard for our future, so it only makes sense to protect it too. Insurance helps us worry less about the "what ifs" and focus more on the life we're building together.

We're still learning every day, but these are lessons we're grateful we started early.

How about you? What's the biggest money lesson you've learned as a couple? 👇

11/06/2026

Random question.

When you and your partner talk about the future, ano yung lagi ninyong napag-uusapan?

A dream house?
More travels?
Starting a business?
Growing your family?

And honestly, I love these conversations.

Because behind every goal is a couple choosing to build something together, one step at a time.

Kayo, what's a dream you're currently working on as a couple? 👇

09/06/2026

One night, may tinanong ako sa partner ko.

"Mal, what if mawalan ako ng work for months? Ano kaya mangyayari sa atin?"
Sagot niya: "Baka magbabago lifestyle natin. Maglilipat ng bahay. Titipirin natin lahat."

And that hit different.

Nakatira kami sa Metro Manila. Mataas ang bilihin. Mataas ang cost of living. If ang monthly expenses ko ay ₱25,000.
3 months without income = ₱75,000 na kailangan naming harapin if wala kaming emergency fund.

Tapos naisip ko pa...
What if hindi lang job loss?
What if critical illness pa?

Hindi na lang lifestyle ang magbabago. Kundi yung gamot, hospitalization, recovery. Lahat ng ‘yon on top of everything else.

Ang hirap pala. Ang complicated.

Kaya kami ng partner ko, sinikap namin parehas magkaroon ng sariling health protection plan. Para kung may mangyari man, handa kami. Hindi kami mag-aalala para sa isa't isa.

Kayo ba?🧡

Message me kung gusto mong malaman kung paano. Libre ang usap. ☺️

09/06/2026

Akala niya para sa sarili niya lang.

Pero bago siya mag-decide, may isang tao siyang naisip.

“Paano naman siya?”

Initially, siya lang sana ang kukuha ng health plan. Pero habang pinag-uusapan namin ang future, naisip niyang mas magandang sabay silang maging handa.

💙 For Him: ₱130/day
🩷 For Her: ₱120/day

Hindi dahil may sakit.
Hindi dahil may emergency.

Kundi dahil may future silang gustong protektahan habang maaga.

Minsan, ang pinakamagandang regalo sa taong mahal mo isn’t something you buy.

It’s knowing that you’re both preparing for the future together.

If you’re building a future with someone, baka magandang pag-usapan niyo rin ito.

Message me with “COUPLE” and I’ll share a sample plan based on your age. 🧡