CaShare mo sa Tagumpay - Financial Planner, San Juan (2025)

27/07/2025

How Life Insurance Can Help Pay for College, Retirement, or Emergencies

Life insurance isn’t just about providing money after someone passes away. Some types of life insurance can actually help with major life expenses while you’re still alive! Here’s how:

⸻

1. Paying for College 🎓

Some life insurance policies build cash value over time, which means they grow like a savings account. You can use this money for college expenses.
• How it works: If you have a whole life or universal life policy, part of your payments (premiums) go into a savings-like fund.
• When you need it: You can borrow or withdraw from this fund when it’s time to pay for tuition, books, or other school costs.

2. Saving for Retirement 🏖️

Some life insurance policies can act as a backup retirement plan by giving you access to money later in life.
• How it works: The cash value in a permanent life insurance policy grows tax-free over time.
• When you need it: When you retire, you can withdraw or borrow from your policy to supplement your retirement income.

3. Emergency Fund 🚨

Life is unpredictable, what if you lose your job, have unexpected medical bills, or need quick cash? Life insurance can help!
• How it works: If you have a cash-value life insurance policy, you can withdraw or borrow from it anytime.
• When you need it: Whether it’s an emergency hospital visit, home repairs, or a temporary financial setback, you can use the funds without waiting.

✅✅✅✅✅
The Bottom Line 💡
• Term Life Insurance = Great for protection but doesn’t build cash value.
• Whole/Universal Life Insurance = Can be used for college, retirement, and emergencies because it builds fund/cash value.

If you want life insurance that can help while you’re alive and well, ask about policies that offer a cash value feature!

27/07/2025

“Mahal magka-sakit sa Pilipinas” - Agree 💯
Be covered, Be insured.

Prepare your critical illness protection.
Send me a message 📩 to check your options

16/03/2025

Ever wonder that difference between HMO
(or what other people know as, Health Card) and HEALTH INSURANCE.

***************************************************

Madami akong nababalitaan na nagkakasakit, kaya maganda siguro pagusapan natin ang HMO at HEALTH INSURANCE. Ano ba ang pinagkaiba nila? Ano ba ang mga benefits nila?

Tara pagusapan natin! 😃

HMO🏥
📍Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.
📍Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.
📍Ang HMO company na ang nagbabayad directly sa hospital bills mo, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness.
📍Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.
📍You don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.

HEALTH INSURANCE 🩺
💡Sa health insurance naman, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.

💡Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum at malakihang amount ang usapan dito

💡Pwede niyo siya gamitin for treatments, lalo na kung critical illness usapan hundreds of thousands to million ang usapang treatment dyan or gamitin to replace the income na mawawala sayo kasi critically ill ka na and you can't work na.

💡Coverage is usually until age 75 or 100, and the amount can range from Php 300,000 to Php 3,000,000. You'll get this in cash if you get diagnosed with a critical illness.

💡The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.

💡Also, may health Insurance din na may amount ng pera ka na matatangap kahit hindi ka magkasakit.

WHICH ONE TO GET?🤔🤔🤔

I believe it's important to have BOTH.
Yes, BOTH.

In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it, out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.

For health insurance, very rare that employers offer this as a benefit. So it's likely that you have to get one for yourself and for your family.

HOW TO AVAIL?🧐🧐🧐
If walang health card yung employer mo or if you're a freelancer, you can get a health card directly from the companies themselves, just visit their websites. Or look for an accredited healthcare agent.

For health insurance, message mo lang ako, 😊

Your Financial Coach,

Romar Sanmocte
Licensed Financial Advisor

27/02/2025

“Bakit Mahalaga ang Life Insurance?"

Ang buhay ay puno ng hindi inaasahang pangyayari. Kahit gaano tayo kahanda, may mga pagkakataong hindi natin kayang kontrolin. Dito pumapasok ang kahalagahan ng life insurance—isang proteksyon para sa iyong pamilya at mga mahal sa buhay.

1. Financial Security para sa Pamilya

Kapag may nangyaring hindi inaasahan, ang life insurance ang magsisilbing safety net ng iyong pamilya. Makakatulong ito sa kanilang mga gastusin tulad ng:
• Pang-araw-araw na pangangailangan
• Pag-aaral ng mga anak
• Pagbabayad ng utang o mortgage

2. Pamana para sa Mahal sa Buhay

Ang life insurance ay nagbibigay-daan para mag-iwan ng pamana sa iyong pamilya. Ito ang magtitiyak na maipagpapatuloy nila ang kanilang pangarap kahit wala ka na.

3. Pagbabayad ng Utang

Kung may mga naiwan kang utang tulad ng personal loans, car loan, o mortgage, ang life insurance ang tutulong sa pagbabayad nito nang hindi mahihirapan ang iyong pamilya.

4. Peace of Mind

Ang pagkakaroon ng life insurance ay nagbibigay ng kapayapaan ng isip. Alam mong protektado ang iyong pamilya kahit anuman ang mangyari.

5. Abot-Kayang Proteksyon

May mga insurance plans na pasok sa iba’t ibang budget. Maaari kang pumili ng planong naaayon sa pangangailangan mo at ng iyong pamilya.

Huwag mag hintay ng bukas. Hindi natin alam kung ano ang maaaring mangyari. Ang mahalaga, handa ka ngayon para sa mga mahal mo sa buhay.

Your Financial Wealth Planner:
Romar D. Sanmocte
09269177400

16/02/2025

Invest in health insurance. It’s more affordable than hospital bills.

12/02/2025

YUNG PAGKUHA NG INSURANCE PLANS, CAN WE DO IT NEXT MONTH?

YES. Actually pwede naman, kasi at the end of the day it’s your choice.

Pero let us be always reminded na everyday merong life risk.

Risk to get sick.
Risk to experience unexpected death.

We know naman na everyday di natin alam yung possible mangyari.

Na-remind tuloy ako dun sa quote na “PREVENTION IS BETTER THAN CURE.”

Kaya preparation and anticipation is important.

We are not praying na mangyari yung life risk. Ang prayers nga natin sana hindi mangyari.

Pero question? What if mangyari?

Kaya dapat as much as possible dapat may sense of urgency, especially to those person na meron naka depende sa kanilang family members.

To all parents and breadwinners (person that support their families) I know mahirap ang buhay as a parent and as a breadwinners pero because you love your families, you really work hard just to provide for them.

But I have a question for you?

Anong mas mahirap?

Yung nandyan ka? Or pag wala ka na?

………………..

Life is more tougher for your family if ever mawala ka sa picture, especially financially.

Kaya need nila ng financial security para if ever mawala ka sa picture hindi mahihirapan yung family mo financially.

And one of the best and cheapest tool that you can have to secure your families financial future, is LIFE INSURANCE PLANS.

But again, the choice is yours.

I am Romar D. Sanmocte your Financial Wealth Planner

01/02/2025

Looking for professionals and fresh graduates who want to start working ASAP!

𝟯-𝗦𝘁𝗲𝗽 𝗛𝗶𝗿𝗶𝗻𝗴 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 (𝗣𝗮𝗿𝘁𝘁𝗶𝗺𝗲 𝗼𝗿 𝗙𝘂𝗹𝗹𝘁𝗶𝗺𝗲)
- Attend Orientation
- Pass the interview
- Take the Exam
✅ Financial Wealth Planner/Manager
✅ Financial Advisor
✅ WFH / Work anywhere any time
⭕️20K to 50K starting Variable Income
⭕️Monthly and Quarterly Bonuses
⭕️Flexible working hours
⭕️Travel Incentives
⭕️Leadership and Accreditation Programs
Direct message me for orientation details. 😊

01/02/2025

Ever wonder the difference between HMO
(or what other people know as a health Card) and HEALTH INSURANCE.
*************************************************
Madami akong nababalitaan na nagkakasakit, kaya maganda siguro pagusapan natin ang HMO at HEALTH INSURANCE. Ano ba ang pinagkaiba nila? Ano ba ang mga benefits nila?
Tara pagusapan natin! 😃
HMO🏥
📍Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.
📍Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.
📍Ang HMO company na ang nagbabayad directly sa hospital bills mo, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness.
📍Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.
📍You don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.
HEALTH INSURANCE 🩺
💡Sa health insurance naman, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.
💡Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum at malakihang amount ang usapan dito
💡Pwede niyo siya gamitin for treatments, lalo na kung critical illness usapan hundreds of thousands to million ang usapang treatment dyan or gamitin to replace the income na mawawala sayo kasi critically ill ka na and you can't work na.
💡Coverage is usually until age 75 or 100, and the amount can range from Php 300,000 to Php 3,000,000. If you are diagnosed with a critical illness, you'll receive this in cash.
💡The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.
💡Also, may health Insurance din na may amount ng pera ka na matatangap kahit hindi ka magkasakit.
WHICH ONE TO GET?🤔🤔🤔
I believe it's important to have BOTH.
Yes, BOTH.
In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.
For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it, out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.
For health insurance, it is very rare that employers offer this as a benefit. So it's likely that you have to get one for yourself and for your family.
HOW TO AVAIL?🧐🧐🧐
If walang health card yung employer mo or if you're a freelancer, you can get a health card directly from the companies themselves, and visit their websites. Or look for an accredited healthcare agent.
For health insurance, message mo lang ako, 😊
Your Financial Coach!

19/01/2025

𝐒𝐇𝐎𝐔𝐓𝐎𝐔𝐓 𝐓𝐎 𝐀𝐋𝐋 𝐁𝐑𝐄𝐀𝐃𝐖𝐈𝐍𝐍𝐄𝐑𝐒

𝐖𝐡𝐲 𝐝𝐨 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?
Kasi kaya ka nagta-trabaho dahil sa pagmamahal mo sa pamilya mo, you are providing their needs and wants. At kung dumating man ang oras na mamatay ka, tuloy-tuloy pa rin ang income na pino-provide mo thru life insurance.

𝐁𝐚𝐤𝐢𝐭 𝐦𝐨 𝐧𝐚𝐦𝐚𝐧 𝐤𝐚𝐢𝐥𝐚𝐧𝐠𝐚𝐧 𝐧𝐠 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

Dahil ang sakit pwedeng dumapo sa kahit sino at sa di inaasahang oras. Kung sakaling ikaw yun, sino ang inaasahan mong tutulong sa’yo to pay for the hospital bills kung ikaw lang ang nagta-trabaho sa pamilya mo? Paano kung di kasya ang ipon mo? Paano ka pa makakapag-trabaho? Yung health insurance ang tutulong sayo.

17/01/2025

Let's make it simple.

Gusto mo ng 𝗽𝗲𝗮𝗰𝗲 𝗼𝗳 𝗺𝗶𝗻𝗱?

Halimbawa, ikaw ang padre de pamilya. May trabaho ka ngayon at kumikita ka ng 30k monthly. Unfortunately, nagkasakit ka at biglang nawala. Ang tanong, kaya bang i-replicate ng misis mo ang trabaho mo para kitain din ang 30k para itaguyod ang anak ninyo?

Pangalawang scenario para sa mga yound adults na breadwinner.

Kung ikaw ngayon ay nasa corporate job, online selling or BPO, tapos bigla ka rin nawala, kaya bang i-replicate ng parents mo o mga kapatid mo ang diskarteng ginagawa mo? Kung ang sagot ay "Hindi nila kaya kitain ang kinikita ko ngayon", 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗼 𝗻𝗴 𝗶𝗻𝗰𝗼𝗺𝗲 𝗿𝗲𝗽𝗹𝗮𝗰𝗲𝗺𝗲𝗻𝘁 𝗼 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲.

Thru insurance, magagawa nating palitan ang kinikita mo monthly o mas higit pa, para hindi maghirap ang pamilya mo kung sakaling mawala ka.

ctto

13/01/2025

4 Facts About Life Insurance.

✔Not all people are insurable
✔Not because you have money to pay, you can get it
✔Life insurance is more expensive as you get older
✔It's best to get it while you don't need it. Because when you need it, it might not be possible anymore.

ctto

13/01/2025

SOME LESSONS ON FINANCES: 🚢 ⚓️

1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle.

2. SAVE MONEY and MONEY WILL SAVE YOU. Don’t save what is left after spending. Only spend what is left after saving.

3. Best to have ZERO DEBT, if you can’t pay cash, you CAN’T AFFORD it, nothing beats PEACE OF MIND.

4. Avoid unnecessary spendings, forget sale price, everything is 100% off when you don’t buy it. Don’t waste your money on things that you don’t need, even if they are cheap. EVERY PESO COUNTS!

5. Learn to BUDGET - it is telling your money where to go instead of wondering where it went!

6. If we buy things that we don’t need, we will have to SELL THINGS THAT WE NEED.

7. PRETENDING TO BE RICH can make us poor. Must learn to live BELOW MEANS. Don’t go broke trying to look rich. ACT YOUR WAGE.

8. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money for our FAMILY.

9. Always have a BACK-UP PLAN for life's uncertainties. Start having your personal LIFE INSURANCE with INVESTMENT.

10. Let's break the TOXIC FAMILY CULTURE about FINANCES. Your children is not your retirement fund, and your parents is not your emergency fund.

-Ctto

CaShare mo sa Tagumpay - Financial Planner

27/07/2025

27/07/2025

16/03/2025

27/02/2025

16/02/2025

12/02/2025

01/02/2025

01/02/2025

19/01/2025

17/01/2025

13/01/2025

13/01/2025

Address

Website

Alerts

Shortcuts

Share