Financial Wealth Planner-Lester Bryan Baniola

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Financial Wealth Planner-Lester Bryan Baniola INSURANCE COMMISSION LICENSED FINANCIAL WEALTH PLANNER Your 24/7 Life time Financial Advisor.

I offer free financial consultation, free policy review, offer insurance products that can help to your problems specially on Health, Critical Illness, Educational Funding, Retirement Funding, Short term and Long term Goals.

May nakausap akong breadwinner na lagi niyang iniisip,โ€œPaano na sila kung may mangyari saโ€™kin?โ€Siya yung tipo na tahimik...
04/12/2025

May nakausap akong breadwinner na lagi niyang iniisip,

โ€œPaano na sila kung may mangyari saโ€™kin?โ€

Siya yung tipo na tahimik lang, pero lahat ng gastos, siya ang sumasalo.

Rent, bills, tuition, gamot ni parents, lahat.
Noong nakausap namin siya, simple lang goal niya:

โ€œGusto ko lang gumaan yung pakiramdam ko.โ€

We designed a plan na pasok sa budget niya, pero sakto sa responsibility niya.

Hindi sobrang laki, pero sapat para hindi mabigla ang pamilya kung may mangyari sa kanya.
Sabi niya after,

โ€œMas nakakahinga na ako ngayon, kahit papaano.โ€

Kung ikaw din ay breadwinner, pwedeng ikaw na ang susunod na gumaan ang loob.

Message mo lang ako, Iโ€™ll help you review your options.

Engr. Lester Bryan Baniola
Financial Wealth Planner
FWD LIFE PH

Insurance isnโ€™t about expecting the worst, itโ€™s about being prepared so hindi ka malugmok when life surprises you.Ang pr...
03/12/2025

Insurance isnโ€™t about expecting the worst, itโ€™s about being prepared so hindi ka malugmok when life surprises you.

Ang protection plan ay parang safety net: tahimik lang siya, pero andiyan siya kapag pinaka-kailangan mo.

If you want a simple, clear, and stress-free explanation ng coverage na bagay sayo, message mo lang ako.

Engr. Lester Bryan Baniola
Financial Wealth Planner
FWD LIFE PH

๐๐š๐ค๐ข๐ญ ๐ฆ๐จ ๐ค๐š๐ข๐ฅ๐š๐ง๐ ๐š๐ง ๐ง๐  ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž?๐Ÿ‘‰ Kasi ikaw ang ๐๐‘๐„๐€๐ƒ๐–๐ˆ๐๐๐„๐‘ . Ikaw ang sandalan ng pamilya.โ“Kung mawala ang income mo, p...
13/09/2025

๐๐š๐ค๐ข๐ญ ๐ฆ๐จ ๐ค๐š๐ข๐ฅ๐š๐ง๐ ๐š๐ง ๐ง๐  ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž?
๐Ÿ‘‰ Kasi ikaw ang ๐๐‘๐„๐€๐ƒ๐–๐ˆ๐๐๐„๐‘ . Ikaw ang sandalan ng pamilya.
โ“Kung mawala ang income mo, paano sila?
โœ… Life insurance makes sure na kahit anong mangyari, tuloy ang ๐ฉ๐š๐ง๐ ๐š๐ซ๐š๐ฉ ๐ง๐  ๐ฉ๐š๐ฆ๐ข๐ฅ๐ฒ๐š ๐ฆ๐จ.

๐Ÿ“ฉ Message me for a ๐…๐ซ๐ž๐ž ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐‚๐ก๐ž๐œ๐ค.

Blessed and grateful. ๐Ÿ™Another beautiful family just made one of the smartest decisions for their future โ€” insured na an...
12/08/2025

Blessed and grateful. ๐Ÿ™

Another beautiful family just made one of the smartest decisions for their future โ€” insured na ang buong pamilya!

โœ… 2 Parents
โœ… 2 Kids
โœ… 12M total insurance protection
โœ… May critical illness, life coverage, refund, at waiver of premiums pa!

All for just โ‚ฑ355/day.

Hindi kailangan maging milyonaryo para magplano nang matalino.
Kailangan lang ng tamang guide at tamang timing. ๐Ÿ’ฏ

Thank you sa tiwala my dear Clients!
Sobrang nakaka-inspire yung commitment nyo to secure your future together.

Gusto mo rin ba ng ganyang plan para sa buong pamilya?
Comment โ€œFAMILY PROTECTโ€ or DM me โ€” kwentuhan lang muna.

๐˜›๐˜ฉ๐˜ข๐˜ฏ๐˜ฌ๐˜ง๐˜ถ๐˜ญ ๐˜ข๐˜ฌ๐˜ฐ ๐˜ด๐˜ข ๐˜ด๐˜ข๐˜ณ๐˜ช๐˜ญ๐˜ช ๐˜ฌ๐˜ฐ๐˜ฏ๐˜จ ๐˜ฏ๐˜ข๐˜จ-๐˜ฅ๐˜ฆ๐˜ค๐˜ช๐˜ฅ๐˜ฆ ๐˜ฏ๐˜ถ๐˜ฏ๐˜จ ๐˜ฏ๐˜ข๐˜ฌ๐˜ข๐˜ณ๐˜ข๐˜ข๐˜ฏ๐˜จ ๐˜ต๐˜ข๐˜ฐ๐˜ฏ.Hindi siya madali.Hindi siya flashy.Pero yung simpleng desisy...
11/06/2025

๐˜›๐˜ฉ๐˜ข๐˜ฏ๐˜ฌ๐˜ง๐˜ถ๐˜ญ ๐˜ข๐˜ฌ๐˜ฐ ๐˜ด๐˜ข ๐˜ด๐˜ข๐˜ณ๐˜ช๐˜ญ๐˜ช ๐˜ฌ๐˜ฐ๐˜ฏ๐˜จ ๐˜ฏ๐˜ข๐˜จ-๐˜ฅ๐˜ฆ๐˜ค๐˜ช๐˜ฅ๐˜ฆ ๐˜ฏ๐˜ถ๐˜ฏ๐˜จ ๐˜ฏ๐˜ข๐˜ฌ๐˜ข๐˜ณ๐˜ข๐˜ข๐˜ฏ๐˜จ ๐˜ต๐˜ข๐˜ฐ๐˜ฏ.

Hindi siya madali.
Hindi siya flashy.
Pero yung simpleng desisyong 'yunโ€ฆ
๐ง๐ ๐š๐ฒ๐จ๐ง ๐ค๐จ ๐ง๐š๐ซ๐š๐ซ๐š๐ฆ๐๐š๐ฆ๐š๐ง ๐š๐ง๐  ๐ ๐ข๐ง๐ก๐š๐ฐ๐š.

Kasi habang lahat naguguluhan sa โ€œwhat if,โ€
alam kong kahit papano โ€” may naipundar ako.

And thatโ€™s something my future family will thank me for too.

๐˜Ž๐˜ณ๐˜ข๐˜ต๐˜ฆ๐˜ง๐˜ถ๐˜ญ ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฑ๐˜ข๐˜ด๐˜ต ๐˜ฅ๐˜ฆ๐˜ค๐˜ช๐˜ด๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ฃ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉ๐˜ต ๐˜ฑ๐˜ฆ๐˜ข๐˜ค๐˜ฆ ๐˜ต๐˜ฐ ๐˜ฎ๐˜บ ๐˜ฑ๐˜ณ๐˜ฆ๐˜ด๐˜ฆ๐˜ฏ๐˜ต.

โ€” ๐˜ฌ๐˜ข๐˜บ๐˜“๐˜Œ๐˜š๐˜›๐˜Œ๐˜™, ๐˜“๐˜Œ๐˜š๐˜›๐˜Œ๐˜™๐˜Œ๐˜š๐˜š.

๐˜ˆ๐˜ฌ๐˜ข๐˜ญ๐˜ข ๐˜ฌ๐˜ฐ ๐˜ฅ๐˜ข๐˜ต๐˜ช, ๐˜ข๐˜ฏ๐˜จ ๐˜ญ๐˜ช๐˜ง๐˜ฆ ๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆโ€ฆ ๐˜ฑ๐˜ข๐˜ณ๐˜ข ๐˜ญ๐˜ข๐˜ฏ๐˜จ ๐˜ด๐˜ข ๐˜ฎ๐˜จ๐˜ข ๐˜ข๐˜ณ๐˜ต๐˜ช๐˜ด๐˜ต๐˜ข, ๐˜ฎ๐˜ข๐˜บ-๐˜ข๐˜ณ๐˜ช ๐˜ฏ๐˜จ ๐˜ฌ๐˜ถ๐˜ฎ๐˜ฑ๐˜ข๐˜ฏ๐˜บ๐˜ข, ๐˜ข๐˜ต ๐˜ฎ๐˜จ๐˜ข ๐˜ฏ๐˜ข๐˜ด๐˜ข ๐˜๐˜ฐ๐˜ณ๐˜ฃ๐˜ฆ๐˜ด ๐˜ญ๐˜ช๐˜ด๐˜ต.Tapos nalaman ...
10/06/2025

๐˜ˆ๐˜ฌ๐˜ข๐˜ญ๐˜ข ๐˜ฌ๐˜ฐ ๐˜ฅ๐˜ข๐˜ต๐˜ช, ๐˜ข๐˜ฏ๐˜จ ๐˜ญ๐˜ช๐˜ง๐˜ฆ ๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆโ€ฆ ๐˜ฑ๐˜ข๐˜ณ๐˜ข ๐˜ญ๐˜ข๐˜ฏ๐˜จ ๐˜ด๐˜ข ๐˜ฎ๐˜จ๐˜ข ๐˜ข๐˜ณ๐˜ต๐˜ช๐˜ด๐˜ต๐˜ข, ๐˜ฎ๐˜ข๐˜บ-๐˜ข๐˜ณ๐˜ช ๐˜ฏ๐˜จ ๐˜ฌ๐˜ถ๐˜ฎ๐˜ฑ๐˜ข๐˜ฏ๐˜บ๐˜ข, ๐˜ข๐˜ต ๐˜ฎ๐˜จ๐˜ข ๐˜ฏ๐˜ข๐˜ด๐˜ข ๐˜๐˜ฐ๐˜ณ๐˜ฃ๐˜ฆ๐˜ด ๐˜ญ๐˜ช๐˜ด๐˜ต.

Tapos nalaman koโ€ฆ
๐ฆ๐š๐ฒ โ‚ฑ๐Ÿ๐Ÿ“/๐๐š๐ฒ ๐ฅ๐š๐ง๐  ๐ฉ๐š๐ฅ๐š ๐ง๐š ๐ฉ๐ฅ๐š๐ง.

๐˜”๐˜ข๐˜ด ๐˜ฎ๐˜ข๐˜ฉ๐˜ข๐˜ญ ๐˜ฑ๐˜ข โ€˜๐˜บ๐˜ถ๐˜ฏ๐˜จ ๐˜ฎ๐˜ช๐˜ญ๐˜ฌ ๐˜ต๐˜ฆ๐˜ข ๐˜ฌ๐˜ฐ ๐˜ฏ๐˜ข ๐˜ธ๐˜ข๐˜ญ๐˜ข๐˜ฏ๐˜จ ๐˜ฑ๐˜ฆ๐˜ข๐˜ณ๐˜ญ๐˜ด. ๐Ÿง‹

Hindi pala ito tungkol sa kayamanan.

๐“๐ฎ๐ง๐ ๐ค๐จ๐ฅ โ€˜๐ญ๐จ ๐ฌ๐š ๐ฆ๐š๐ฅ๐š๐ฌ๐š๐ค๐ข๐ญ.
๐˜๐ฎ๐ง๐  ๐š๐ฒ๐š๐ฐ ๐ฆ๐จ๐ง๐  ๐ฆ๐š๐ก๐ข๐ซ๐š๐ฉ๐š๐ง ๐š๐ง๐  ๐ฉ๐š๐ฆ๐ข๐ฅ๐ฒ๐š ๐ฆ๐จ ๐ค๐ฎ๐ง๐  ๐ฆ๐š๐ฐ๐š๐ฅ๐š ๐ค๐š ๐›๐ข๐ ๐ฅ๐š.

Di ba, ang tunay na โ€œmayamanโ€ yung may peace of mind?

โ€” ๐˜ฌ๐˜ข๐˜บ๐˜“๐˜Œ๐˜š๐˜›๐˜Œ๐˜™, ๐˜“๐˜Œ๐˜š๐˜›๐˜Œ๐˜™๐˜Œ๐˜š๐˜š.

๐˜•๐˜จ๐˜ข๐˜บ๐˜ฐ๐˜ฏ๐˜จ ๐˜ญ๐˜ช๐˜ฏ๐˜จ๐˜จ๐˜ฐ, ๐˜ฏ๐˜ข๐˜ฌ๐˜ข-๐˜ด๐˜ฆ๐˜ต ๐˜ข๐˜ด๐˜ช๐˜ฅ๐˜ฆ ๐˜ข๐˜ฌ๐˜ฐ ๐˜ฏ๐˜จ ๐˜ฌ๐˜ข๐˜ฉ๐˜ช๐˜ต ๐˜ฌ๐˜ฐ๐˜ฏ๐˜ต๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ฑ๐˜ฐ๐˜ฏ.Hindi siya milyon.Wala rin namang party para doon. ๐Ÿ˜…Pero ang sa...
30/05/2025

๐˜•๐˜จ๐˜ข๐˜บ๐˜ฐ๐˜ฏ๐˜จ ๐˜ญ๐˜ช๐˜ฏ๐˜จ๐˜จ๐˜ฐ, ๐˜ฏ๐˜ข๐˜ฌ๐˜ข-๐˜ด๐˜ฆ๐˜ต ๐˜ข๐˜ด๐˜ช๐˜ฅ๐˜ฆ ๐˜ข๐˜ฌ๐˜ฐ ๐˜ฏ๐˜จ ๐˜ฌ๐˜ข๐˜ฉ๐˜ช๐˜ต ๐˜ฌ๐˜ฐ๐˜ฏ๐˜ต๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ฑ๐˜ฐ๐˜ฏ.

Hindi siya milyon.
Wala rin namang party para doon. ๐Ÿ˜…

Pero ang sarap sa feeling na kahit maliit lang,
๐ฆ๐š๐ฒ ๐ ๐ข๐ง๐š๐ ๐š๐ฐ๐š ๐š๐ค๐จ ๐ฉ๐š๐ซ๐š ๐ฌ๐š ๐Ÿ๐ฎ๐ญ๐ฎ๐ซ๐ž.

'Di na puro โ€œnext time na.โ€
Ngayon, ginagawa ko naโ€ฆ kahit paunti-unti.

Kung ikaw din, kahit konti lang ang kaya mong simulan,
๐ฐ๐จ๐ซ๐ญ๐ก ๐ข๐ญ ๐ฉ๐š ๐ซ๐ข๐ง '๐ฒ๐š๐ง.

Kay Lester, less stress.
#๐˜ฌ๐˜ข๐˜บ๐˜“๐˜Œ๐˜š๐˜›๐˜Œ๐˜™๐˜“๐˜Œ๐˜š๐˜›๐˜Œ๐˜™๐˜Œ๐˜š๐˜š #๐˜๐˜ฆ๐˜ฆ๐˜ญ๐˜Ž๐˜ฐ๐˜ฐ๐˜ฅ๐˜๐˜ณ๐˜ช๐˜ฅ๐˜ข๐˜บ #๐˜—๐˜ฆ๐˜ข๐˜ค๐˜ฆ๐˜š๐˜ต๐˜ฆ๐˜ฑ๐˜ด

Prayer muna bago scroll. ๐Ÿ™โ€œLord,Salamat sa bagong araw.Tulungan Mo akong gumawa ng mga desisyon na hindi lang para sa ng...
29/05/2025

Prayer muna bago scroll. ๐Ÿ™

โ€œLord,
Salamat sa bagong araw.
Tulungan Mo akong gumawa ng mga desisyon na hindi lang para sa ngayon,
kundi para rin sa kinabukasan naming pamilya.โ€

Amen.

Minsan, isang simpleng dasal lang ang kailangan para ma-clarify ang next step natin. ๐Ÿ’›

๐Š๐š๐ง๐ข๐ง๐š ๐ก๐š๐›๐š๐ง๐  ๐ค๐ฎ๐ฆ๐š๐ค๐š๐ข๐ง ๐š๐ค๐จ, ๐ง๐š๐ฉ๐š๐ข๐ฌ๐ข๐ฉ ๐š๐ค๐จ ๐›๐ข๐ ๐ฅ๐šโ€ฆDati, ang tingin ko sa life insurance, pang mayaman, pang matanda, or pan...
28/05/2025

๐Š๐š๐ง๐ข๐ง๐š ๐ก๐š๐›๐š๐ง๐  ๐ค๐ฎ๐ฆ๐š๐ค๐š๐ข๐ง ๐š๐ค๐จ, ๐ง๐š๐ฉ๐š๐ข๐ฌ๐ข๐ฉ ๐š๐ค๐จ ๐›๐ข๐ ๐ฅ๐šโ€ฆ

Dati, ang tingin ko sa life insurance, pang mayaman, pang matanda, or pang patay lang.

Pero nung naintindihan ko yung totoong purpose niyaโ€ฆ
Natawa ako sa sarili ko. Kasi sobrang mali pala ng pananaw ko noon.

๐˜“๐˜ช๐˜ง๐˜ฆ ๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆ ๐˜ฑ๐˜ข๐˜ญ๐˜ขโ€ฆ
๐ก๐ข๐ง๐๐ข ๐ญ๐ฎ๐ง๐ ๐ค๐จ๐ฅ ๐ฌ๐š ๐ญ๐š๐ค๐จ๐ญ.
๐Š๐ฎ๐ง๐๐ข ๐ฌ๐š ๐ฉ๐š๐ ๐ฆ๐š๐ฆ๐š๐ก๐š๐ฅ. ๐Ÿ’›

๐˜—๐˜ข๐˜ณ๐˜ข ๐˜ด๐˜ข ๐˜ฑ๐˜ข๐˜ฎ๐˜ช๐˜ญ๐˜บ๐˜ข.
๐˜—๐˜ข๐˜ณ๐˜ข ๐˜ด๐˜ข ๐˜ฑ๐˜ฆ๐˜ข๐˜ค๐˜ฆ ๐˜ฐ๐˜ง ๐˜ฎ๐˜ช๐˜ฏ๐˜ฅ.
๐˜—๐˜ข๐˜ณ๐˜ข ๐˜ด๐˜ข ๐˜ด๐˜ข๐˜ณ๐˜ช๐˜ญ๐˜ช ๐˜ฌ๐˜ฐ๐˜ฏ๐˜จ ๐˜ง๐˜ถ๐˜ต๐˜ถ๐˜ณ๐˜ฆ.

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