FWD - John Michael Cedric N. Nalus, CPA

FWD - John Michael Cedric N. Nalus, CPA All in one Financial Consultant --- Accounting, Tax, Audit, Finance, Investment, & Insurance, let's talk about it!

For around ₱10,000/month, your whole family can already have:✅ Life Insurance✅ Accident Coverage✅ Critical Illness Prote...
27/05/2026

For around ₱10,000/month, your whole family can already have:
✅ Life Insurance
✅ Accident Coverage
✅ Critical Illness Protection
✅ Plus potential savings for retirement and your child’s future

Hindi lang ito “insurance.”
It’s a way to protect the life you’re building habang unti-unti mong ina-achieve ang goals mo. 💯

✨ Protect si Daddy
✨ Secure si Mommy
✨ Prepare for Baby’s future

Because life happens, and being financially prepared hits different. 🤍

Curious how this works and if bagay ito sa budget and goals mo?

Message me and I’ll gladly walk you through it. 😊

Thank you Client’s for Celebrating Living with us! 🧡
22/05/2026

Thank you Client’s for Celebrating Living with us! 🧡

Imagine this:Habang busy ka building your career or business today, meron ka nang future fund na unti-unting binubuo for...
21/05/2026

Imagine this:

Habang busy ka building your career or business today, meron ka nang future fund na unti-unting binubuo for your future self. ✨

Hindi lahat ng financial goals kailangan high risk. Sometimes, peace of mind comes from knowing na may guaranteed kang makukuha no matter what happens.

That’s why interesting si FWD FutureSure because it combines:
✔ Guaranteed cash payouts
✔ Guaranteed maturity benefit
✔ Life insurance protection
✔ Zero market risk

Save with purpose. Protect with certainty. 🧡

Another meaningful policy issuance for a hardworking mom and self-employed professional. 🧡What started as a discussion a...
20/05/2026

Another meaningful policy issuance for a hardworking mom and self-employed professional. 🧡

What started as a discussion about taxation turned into a deeper conversation about financial protection for her family. After experiencing a series of hospitalizations and surgery of her partner that was covered by her health insurances, she realized one important thing, their daughter still had no financial safety net.

One thing that amazed me most was how open she is in discussing financial planning with her 18-year-old daughter. Financial awareness truly starts at home. ✨🏠

Glad to help them secure comprehensive protection for their child through proper financial planning. Because protecting the family should not only stop with the parents, every member of the family deserves protection too.

Paano kung may plan na hindi lang protection ang binibigay, may guaranteed returns pa? 🧡‼️ ɴᴇᴡ ᴘʀᴏᴅᴜᴄᴛ ᴀʟᴇʀᴛ ‼️Excited t...
19/05/2026

Paano kung may plan na hindi lang protection ang binibigay, may guaranteed returns pa? 🧡

‼️ ɴᴇᴡ ᴘʀᴏᴅᴜᴄᴛ ᴀʟᴇʀᴛ ‼️

Excited to share the newest endowment plan of FWD for people who value security, stability, at sure na benefits for the future.

✔ Guaranteed Life Insurance Protection
✔ Guaranteed Cash Payouts
✔ Guaranteed Maturity Benefit

Yeeees! GUARANTEED!

Perfect for individuals na gusto ng growth at value ng hard-earned money nila habang protected pa rin along the way.

Hindi lahat comfortable sa market fluctuations, and that’s completely okay. Kaya importante na ang financial plan ay aligned sa goals, priorities, at comfort level mo.

Because sometimes, the best investment is the one that gives you peace of mind and certainty for the future. ✨

Message me if you want to know if bagay ito sa financial goals mo.

🧡🫡
18/05/2026

🧡🫡

Winners aren’t the most motivated.
They’re the most consistent.
John Michael Cedric Nalus, Congratulations!
You are our top planner of May Week 2!

Confused about how much of your income should be allocated for an insurance plan? 🤔Start by knowing your DISPOSABLE INCO...
14/05/2026

Confused about how much of your income should be allocated for an insurance plan? 🤔

Start by knowing your DISPOSABLE INCOME.

Financial planning is not about getting the biggest plan possible,it’s about getting a plan that is sustainable and aligned with your finances and priorities.

That’s why part of our planning process is doing a simple cash flow analysis to help clients understand:
✔ where their income goes
✔ how much they save and invest
✔ and what portion can comfortably be allocated for protection plans

Because the goal is not to burden your finances, but to protect them. 🧡

Knowing your finances is power. And proper planning starts with awareness.

Another meaningful policy issuance for a very hardworking business owner, wife, and mother. 🧡During our conversation, th...
13/05/2026

Another meaningful policy issuance for a very hardworking business owner, wife, and mother. 🧡

During our conversation, they shared that they previously withdrew their VUL plans because they felt that the investment side was not aligned with what they wanted. They mentioned that if they would get a plan again, they preferred something more guaranteed and protection-focused.

And honestly, I understood where they were coming from.

As multiple business owners, they are already highly skilled in growing their money through their businesses. They know where to invest, how to expand, and how to create opportunities. But during our discussion, we also realized one important thing, while the businesses and wealth were growing, there was still no established Critical Illness protection in place.

That’s a major risk many entrepreneurs overlook.

Because one health uncertainty can affect not only personal finances, but also the businesses and people depending on them.

Since they value hard-earned money and wanted guaranteed protection, I first introduced Set for Health, a zero-waste health plan designed to provide value no matter what path life takes.

But they also asked a very important question:
“What happens after age 75?”

That’s when I showed them Vibrant, our so-called "Plan for Celebrities", which provides coverage for both Death and Critical Illness up to age 100.

What I appreciated most from this meeting is how intentional they were. Hindi lang basta kumuha ng plan, they wanted something with real value, guaranteed protection, and long-term security for themselves and their family.

Congratulations and thank you for your trust! ✨

One of the common concerns I hear when discussing health insurance is:𝘗𝘢𝘢𝘯𝘰 𝘬𝘶𝘯𝘨 𝘩𝘪𝘯𝘥𝘪 𝘬𝘰 𝘮𝘢𝘨𝘢𝘮𝘪𝘵? 𝘚𝘢𝘺𝘢𝘯𝘨 𝘭𝘢𝘯𝘨 𝘣𝘢 𝘺𝘶𝘯𝘨 𝘣...
12/05/2026

One of the common concerns I hear when discussing health insurance is:

𝘗𝘢𝘢𝘯𝘰 𝘬𝘶𝘯𝘨 𝘩𝘪𝘯𝘥𝘪 𝘬𝘰 𝘮𝘢𝘨𝘢𝘮𝘪𝘵? 𝘚𝘢𝘺𝘢𝘯𝘨 𝘭𝘢𝘯𝘨 𝘣𝘢 𝘺𝘶𝘯𝘨 𝘣𝘪𝘯𝘢𝘺𝘢𝘥 𝘬𝘰?

Honestly, valid question naman talaga.

That’s why I appreciate plans like 𝓢𝓮𝓽 𝓯𝓸𝓻 𝓗𝓮𝓪𝓵𝓽𝓱 because it changes the perspective of health protection.

You’re protected for major critical illnesses, minor illnesses, disabilities, and life risks, but at the same time, the plan is designed to still give value back to you through its Health Life Benefit feature.

That’s why many call it a “zero-waste” health plan. 🧡

Because the goal of protection is not to lose money. The goal is to make sure your hard-earned money still serves a purpose, whether for protection today or benefits you can appreciate in the future.

12/05/2026

Client! Checking lang naman!

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