Teee Talk - Financial Advisor

23/09/2025

We thought HMO was enough—until the bills kept coming.
Scans. Meds. Missed work. Everyday expenses.
All out of pocket.

👉 HMO pays the hospital.
👉 Critical Illness Insurance pays YOU.

Because when sickness comes, it’s not just the hospital that needs paying—it’s life.

16/09/2025

15/09/2025

I LOVE THIS ANALOGY

You are holding a cup of coffee when someone bumps into you or shakes your arm, causing you to spill the coffee everywhere. Why did you spill the coffee?

"Because someone bumped into me!"

Wrong answer.

You spilled the coffee because there was coffee in your cup. Had there been tea, you would have spilled tea. Whatever is inside the cup is what will spill out.

Similarly, when life shakes you (and it will), whatever is inside you will come out. It’s easy to maintain a facade until you’re rattled.

So we need to ask ourselves:
“What’s in my cup?”
When life gets tough, what spills over?
Joy, gratitude, peace, and humility?
Anger, bitterness, victim mentality, and tendencies to quit?

Life provides the cup; YOU choose how to fill it.

Today, let’s work towards filling our cups with gratitude, forgiveness, joy, words of affirmation, resilience, positivity, kindness, gentleness, and love for others.

15/09/2025

sareeh nah! 🤭

Nakarelate ka ba? 😂

15/09/2025

Keep building🔥

12/09/2025

Hindi nagbayad ng kuryente? Brownout. ⚡

Hindi nagbayad ng insurance? Goodbye protection. 🚫

Tipid-hack: may limited-pay plans na once tapos ka na maghulog, pero lifetime covered ka na.

Revisit your coverage or better set an appointment with your financial advisor.

29/08/2025

Kung si hubby lang ang kumakayod para sa pamilya, isipin mo—lahat ng gastos, pang-araw-araw na needs, tuition, bills… naka-depende lahat sa kanya.

Pero what if, knock on wood, may mangyari sa kanya? Paano ang pamilya?
Yan ang dahilan kung bakit life insurance is a must, lalo na sa mga breadwinner.

👉 With insurance, kahit mawalan ng source of income, may safety net para tuloy ang buhay.
👉 Hindi mo na iisipin kung saan ka kukuha ng pambayad sa bills o pang-tustos sa mga bata.
👉 Most importantly, may peace of mind ka na kahit anong mangyari, protected ang pamilya mo.

Housewives, alam kong gusto nating i-protect ang ating pamilya. At minsan, ang best support na mabibigay natin kay hubby ay ang pag-encourage sa kanya to secure a plan habang malakas pa siya at kaya pang mag-trabaho. 💛

📩 Message me, let’s talk about how we can start securing your family’s future.

29/08/2025

Hindi sapat na nagiipon at nagiinvest ka lang kung wala kang knowledge how to protect your assets.

Kailangan ito….

✅Para secured ang pamilya kahit anong mangyari.
✅Para hindi masayang ang years of hard work mo.
✅Para may peace of mind ka habang nag-iipon at nag-iinvest

At the end of the day, part ng pagiging financially literate ang pagiging ready for life’s uncertainties. 💛

25/08/2025

Mom/Dad, imagine this: kung magsisimula ka ng Endowment Plan for your child habang baby pa siya (like age 1), pagdating ng 7th birthday niya may ₱60,000 yearly birthday cash gift na agad siya — at guaranteed hanggang age 100! 🥳💛

Hindi lang ito basta-basta regalo. It’s a lifetime assurance na kahit lumaki na sila, may something special pa rin from Mommy & Daddy every birthday. 🎁

💡 Peace of mind for parents, kasi secured na future nila habang bata pa.
💡 Hindi lang happy birthday ngayon, kundi happy birthdays forever!

Kung tutuusin, hindi toys or gadgets ang best investment para sa kids — kundi yung gift na tumatagal habambuhay. 🌟

👉 DM me and let’s talk about how you can start this plan for your child.

22/08/2025

✨ 𝑺𝒊𝒏𝒈𝒍𝒆 𝒔𝒆𝒂𝒔𝒐𝒏 𝒊𝒔 𝒔𝒂𝒗𝒊𝒏𝒈 𝒔𝒆𝒂𝒔𝒐𝒏! ✨

Alam mo ba na ang hirap mag-ipon kapag may pamilya ka na? 🤯
Here are some common financial struggles once you’re married or starting a family:

👶 Kids’ expenses – mula gatas, diapers, hanggang tuition, mabilis maubos ang budget.

🏠 Bahay & bills – monthly amortization, kuryente, tubig, internet… lahat sabay-sabay.

🚗 Transportation – whether commute or kotse, dagdag gastos pa rin.

💊 Healthcare – kailangan lagi may naka-ready pang-emergency.

🍴 Everyday needs – groceries, kain sa labas, dagdag na rin ang “pambili ni baby.”

Kaya habang single ka pa, maximize mo na ang chance to save and invest for your future. 💛
Mas maluwag pa ang budget, mas konti ang responsibilities, kaya mas madali mag-build ng strong financial foundation.

📌 Tandaan: The best time to start saving was yesterday. The next best time is today.

21/08/2025

Working online gives you freedom, but it also means no employer-sponsored insurance to fall back on.

🔐 Here’s how to fit personal insurance into your budget (without breaking the bank):

💡 𝟭. 𝗙𝗼𝗹𝗹𝗼𝘄 𝘁𝗵𝗲 𝟱𝟬-𝟯𝟬-𝟮𝟬 𝗥𝘂𝗹𝗲
• 50% – essentials (rent, food, bills)
• 30% – lifestyle (wants, travel, leisure)
• 20% – savings & protection (insurance, emergency fund, investments)
Allocate part of this 20% to basic health and life insurance.

💡 𝟮. 𝗦𝘁𝗮𝗿𝘁 𝘄𝗶𝘁𝗵 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗽𝗹𝗮𝗻𝘀.
You don’t need to get the most expensive policy right away. Maraming options ngayon na as low as ₱500–₱1,500/month. Choose what fits your current income.

💡 𝟯. 𝗧𝗿𝗲𝗮𝘁 𝗶𝘁 𝗹𝗶𝗸𝗲 𝗮 𝘂𝘁𝗶𝗹𝗶𝘁𝘆 𝗯𝗶𝗹𝗹.
Make your premium a fixed monthly expense—just like your internet or phone plan. Consistency is key.

💡 𝟰. 𝗥𝗲𝘃𝗶𝗲𝘄 𝗮𝗻𝗱 𝘂𝗽𝗴𝗿𝗮𝗱𝗲 𝘆𝗲𝗮𝗿𝗹𝘆.
As your income grows, adjust your coverage. Think of it as upgrading your tools—you’re protecting your most important asset: 𝗬𝗢𝗨.

Take this as your sign to talk to a Financial Advisor and find a plan that truly fits you. 😊