John Michael Sapalo

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Be part of our Community!Let's educate more Filipino families!With IMG, youโ€™re never alone. Together, weโ€™re creating a f...
02/02/2026

Be part of our Community!

Let's educate more Filipino families!

With IMG, youโ€™re never alone. Together, weโ€™re creating a future where financial education paves the way to true peace of mind and empowerment.

Financial Education isn't an option, it's a necessity.
To learn more message us so we can guide you.


Change is the only thing permanent in the world.Our sources of income will change, our responsibilities will change, ou...
27/01/2026

Change is the only thing permanent in the world.

Our sources of income will change, our responsibilities will change, our financial situation will change.

But we need to learn new financial strategies to cope with these changes.

Financial education is key!



Who is Kaiser? ๐Ÿค”Kaiser is not an insurance company. It's an HMO that comes with insurance and investment.It has 20 years...
26/01/2026

Who is Kaiser? ๐Ÿค”
Kaiser is not an insurance company. It's an HMO that comes with insurance and investment.

It has 20 years coverage but you will only pay for 7 years, and you can use the benefits forever. Even if you donโ€™t use much in payments, up to 85% of what you put out returns and growsโ€”thatโ€™s why a good retirement plan.

There's healthcare, life insurance for final expenses, and investment that doesn't turn negative.
Don't just rely on a company's HMO because you won't be able to carry it when you resign or retire.

It's okay to prepare early for long-term and senior care.
Just message me for more details โ˜บ๏ธ

There are many well-known hospitals in the whole Philippines that Kaiser International HealthGroup, Inc is accredited. Let's highlight, maybe there is one in your area.



Four Reasons Why Planning for Retirement is very important.1. SSS is not enough - it will not sustain your medical bills...
26/01/2026

Four Reasons Why Planning for Retirement is very important.

1. SSS is not enough - it will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on your SSS pension alone.

2. Inflation - your P1000 now will have a lesser value in the future.

3. Our kids are not our retirement fund - part of "Pagtanaw ng utang na loob" Culture. We need to break this dependency. Let us not be a burden to our kids in the future.

4. We live longer - imagine retiring at the age of 60 with NO INCOME, then living until the age of 80, that's 20 years worth of expenses. 60 years old is too far to imagine, right? How about taking a vacation for a year with no salary?

Join the IMG family and know how and where to invest your money. Lamang ang may Alam!

CTTO

Pm for more information.

๐’๐“๐€๐‘๐“ ๐˜๐Ž๐”๐‘ ๐‹๐Ž๐๐†-๐“๐„๐‘๐Œ ๐ˆ๐๐•๐„๐’๐“๐Œ๐„๐๐“ ๐๐Ž๐–!Plan your future with us! With Kaiser's Long Term Care, You can now live a quality a...
25/01/2026

๐’๐“๐€๐‘๐“ ๐˜๐Ž๐”๐‘ ๐‹๐Ž๐๐†-๐“๐„๐‘๐Œ ๐ˆ๐๐•๐„๐’๐“๐Œ๐„๐๐“ ๐๐Ž๐–!

Plan your future with us! With Kaiser's Long Term Care, You can now live a quality and secure life.

Ang Ipon na Walang Tapon.

๐Š๐€๐ˆ๐’๐„๐‘ ๐Ÿ‘๐ˆ๐๐Ÿ ๐’๐€๐•๐ˆ๐๐†๐’ ๐๐‘๐Ž๐†๐‘๐€๐Œ:
1. HEALTHCARE +
2. LIFE INSURANCE +
3. RETIREMENT FUND

START NOW!

Message me for free quotation !


Retirement means no stress, no pressure, and no worries. It depicts bliss, fun, and freedom โ€“ but not when youโ€™re in a b...
22/01/2026

Retirement means no stress, no pressure, and no worries. It depicts bliss, fun, and freedom โ€“ but not when youโ€™re in a bad financial situation.

A bad financial situation is the consequence of decisions made in the past. There are financial decisions that seem to be okay at the moment but may hurt in the long run โ€“ worse is when thereโ€™s just no way to get out of it.

So before you hit retirement age, avoid and learn from these seven common financial mistakes that most retired people say they regret.


KAISER LongTerm HealthCare is very unique, dahil ito ay 7 years to pay lamang.Ang sabi ng iba, "Antagal naman, 7 years!...
22/01/2026

KAISER LongTerm HealthCare is very unique, dahil ito ay 7 years to pay lamang.

Ang sabi ng iba, "Antagal naman, 7 years!"
Ang sabi ko naman, "Matagal kumpara saan?"

20yrs sa abroad, natiis.
20yrs na naglakwatsa, kinaya.
20yrs tumaya sa lotto, keri lang.
20yrs nang naninigarilyo, sige pa.
20yrs na umiinom ng alak, enjoy lang.
20yrs nang nagbabayad ng mga loans until now, kinakaya pa.

Kung 7 years ka lang mag-iipon... pagkatapos ay may Healthcare Fund, Life Insurance, at Investment Fund ka na... matagal ba yon?

May Retirement Fund ka na. Mas masarap tumanda ng my ipon kaysa umasa sa iba.

Dalawang estado kung wala kang Retirement Fund sa iyong pagtanda:
๐Ÿ‘‰1. Ikaw ay PINAGPAPASA-PASAHAN. Dahil wala ng makuha sayo, kulang na lng itapon ka dahil pabigat ka na sa kanila.

๐Ÿ‘‰2. Ikaw ay PINAG-AAGAWAN. Dahil meron kang investment, halos lahat gusto ka alagaan para mapunta sa kanila dahil hindi ka pabigat.

IKAW? NAKITA MO NA BA ANG IYONG ESTADO SA IYONG PAGTANDA?

๐Ÿ‘‰The only KEY is to Prepare! How?

โ˜‘ Learn more about KAISER investment.

21/01/2026

Gumawa si angkol nyo panghukay para sa garden nya!

20/01/2026

Welcome sa munting garden ni angkol

๐—œ๐—ณ ๐—ป๐—ผ๐˜ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐˜„๐—ต๐—ฒ๐—ป?"You will always have an excuse not to save or invest. No matter what your excuses is, one thing is f...
04/01/2026

๐—œ๐—ณ ๐—ป๐—ผ๐˜ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐˜„๐—ต๐—ฒ๐—ป?

"You will always have an excuse not to save or invest. No matter what your excuses is, one thing is for sure. Youโ€™re going to get old next year.โ€

โ€œNo matter what your excuse is, you will eventually retire and stop making active income.โ€

Tandaan mo, ngayon ang pinaka batang ikaw ang mag aalaga sa pag tanda mo.

If you want to know more, just send me a message.

Sabi nila, di daw nila maintindihan ang IMG. Sa totoo lang, IMG is very unique. Walang ibang company ang maihahalintulad...
01/01/2026

Sabi nila, di daw nila maintindihan ang IMG.
Sa totoo lang, IMG is very unique. Walang ibang company ang maihahalintulad dito.

Paano ba raw makakatulong ang IMG sa mga tao?

- Ang IMG po ay makakatulong sa inyo para magkaroon kayo ng sapat na kaalaman sa tamang paraan ng saving and investing. In this way, makakaiwas po kayo sa scam at sa iba pang financial struggle. This is indeed a true way of helping people.

Financial Educators from IMG help people move from spenders to savers and investors and eventually become entrepreneurs para makapagbuild sila ng solid financial foundation. Again, this is a way of help. Nasa tao na po kung isasagawa ang mga learnings na matututunan sa IMG.

Financial education is not just for the wealthy it is for everyone

๐Ÿ’—๐Ÿ’—๐Ÿ’— God bless and happy new year to all!

Address

022 Nadsadan
San Joaquin
5024

Telephone

+639485100551

Website

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