May Ann Razo - Financial Planner

Looking for a serious type of person ‼

Yung magiging partner for life sana 25 years old and above, who wants to settle down, get married and have kids.

Nagbebenta ako ng insurance. Message me 🧡

Here’s a very important tip when getting your very first life insurance policy:

If your budget permits, make sure your initial policy includes as many protection features as possible. Pay special attention to these added benefits:

Coverage for Critical Illness
Coverage for Accidents
Coverage for Disability

For more inquiries, just message me on my socials. 🧡

Representing my clients for the first half of the year.

They are brave mothers, responsible fathers, breadwinners and business owners.
They have different priorities and purpose in availing our insuravest: for income protection, education funding, investment, health protection, retirement and savings.

Kudos for taking a big move of protecting yourself. You've proven yourself responsible for your families future.

I, your lifetime financial wealth planner is so proud of you. Rest assured that I will continue to reach out to every family to share the significance of having insurance.

🏆 All-Star Awardee
🏆 Mid-year Meridien day Awardee
🏆 Hotel Okura Incentive Qualifier

10 LESSONS ON FINANCES: 💯

1. Kung below P20,000 ang sahod mo dito ngayon sa Pilipinas, kakapusin at kakapusin tayo. Add income or aim for higher compensation. Kaya natin 'yan.

2. Bumuo ng EMERGENCY FUND - amount na pwedeng sumalo sa expenses mo ng 6 months kung sakaling mawalan ka ng income.

3. Follow this MONEY FORMULA:

Income - Savings = Expenses

Unahing itabi ang ipon kahit gaano kaliit. This way, you can build the proper habit and mindset.

4. Kung hindi pa AFFORD - huwag bilhin. Minsan, tayo rin yung naglalagay sa sarili natin sa mahirap na sitwasyon dahil impulsive shopper tayo. Use 14-day rule.

5. Hindi porke naka-SALE, eh bibilhin mo na. Lalo na kung di mo naman talaga kailangan. Lilipas din 'yang emotion na yan.

6. Zero debts = Peace of Mind. Iwas na lang kung hindi kayang i-manage ang utang. Maraming anxious dahil sa utang kaya hindi makapagtrabaho ng maayos.

7. BUDGET - you cannot improve something you don't measure. Alamin mo ang total income mo at total na lumalabas sa expenses mo.

8. Must learn to live BELOW OUR MEANS. Don't go broke trying to look rich. Okay lang na hindi laging bago ang gamit, sapatos at mga damit. Basta ok lang yan.

9. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money to live comfortably. So, SAVE and INVEST properly.

10. Life and health insurance are not expensive, death and illness are. Be financially protected.

You can change your life and financial status with proper mindset and disciplined actions. Let's use the remaining 6 months to have financial growth!

Ccto ✨

Whoa! When I check college tuition fees lately, grabe na sa taas!

You might be feeling a bit anxious about whether you can save enough for your kids' college education.

As parents, one of the toughest questions we face about our children's education is, 'Will we be able to save up for their college in time?'

While we cannot answer this question, we can take an important STEP- to start TODAY. The earlier we start saving, the better off we will be.

You can message me for an option 📩

CONGRATULATIONS, NEWLY INSURED-INVESTORS!

✅52 year-old wife/shop manager
✅39 year-old sales representative

They have different perspective but they have one thing in common, they took the leap to protect what matters most. THEMSELVES.

Get yours ‘coz you deserve it. Inbox me 💌

While resources, luck, background and connections undoubtedly influence individuals success, the most crucial factor that drives meaningful achievement is self-belief. Without this key ingredient, all other elements may fall short in propelling you towards you goals.

To set yourself on the path to success, it's essential to acknowledge that your brain may sometimes work against you, manifesting in procrastination, self-doubt, negative thinking and anxiety.

However, the sure-fire way to overcome these obstacles is to refuse to believe in their power and instead wholeheartedly believe in yourself.🙏

Feeling mo ba, kaya mo nang mag-level up sa career? 💼

Join our team of financial wealth planners and start making dreams happen. Hindi mo kailangan maging expert, basta't handa kang matuto.

Let's build wealth and futures together!

Q: Hindi ba sayang ang pera ko sa health insurance kung hindi naman ako nagkasakit?

A: First, Praise God dahil He keeps you healthy. Then to answer your question, hindi sayang ang iyong health insurance. Why? Dahil most of the health insurance policies ay may kasamang life insurance. In case you did not get sick, your beneficiaries can still claim your life insurance proceeds in the event of your passing.

We can't be certain if we'll get sick or not, but one thing is for sure – we will all pass away eventually. That's why your health isn't a waste even if you did not get sick. 🧡

Sino gusto mag SOUTH KOREA?

We have an ongoing travel incentive. All expenses paid by the company.

Want to know how?
Message me. 💌

You got a dream, you gotta protect it. People cannot do something themselves, they want to tell you, you cannot do it. If you want something, go get it.

- Will Smith

CALLING ALL GO-GETTERS!

We're on the lookout for a dynamic Financial Wealth Planner ready to elevate her career to new heights. If you're driven, passionate, and ready to make a difference in people's lives, this is your moment to shine.

Join us and let's make waves together! 💼

DID YOU KNOW?

There are 3 different types of Health Insurance you can get in the Philippines:
1. Health insurance from an Insurance Company
2. HMO (Health Maintenance Organization) coverage from HMO Companies
3. PhilHealth coverage from the Government

Do you want to discuss each of these in detail?
Feel free to contact me! 💌

There’s a common belief that business is always better than being an employee. Sabi ng marami, lalo na sa social media na it’s best not to work for anyone or that it’s better to be a boss. Don’t be fooled! Here’s why:

First, God did not design us all to be a boss. Because if all of us become bosses who will work for us, eventually, businesses will close. God is the one who gives us opportunities, whether in business or in employment.

Second, it’s not about which is “better” or “worse” pero kung ano ang plan ni God para sa atin. Whether we are an employer or employee, Siya ang magbibigay sa atin ng opportunities. God gave all of us dreams, passions and purpose. No matter where you are in life, He has a plan for your life.

Lastly, God will give us the direction if we seek Him. He will guide our path, for His purpose and for His glory.

Remember, Who you are is not what you do. Who you are is what God says you are. Enjoy the process of seeking God and finding the purpose that He designed for your life. Godbless 🙏

DAGDAG INCOME⁉️

Baka ito na hinahanap mo.
We are expanding our team of Millennial and Gen Z.
You can do this part-time at home without the worry of traffic and summer heat.

Message me so I can further discuss the opportunity. 💌

Comparison is NOT WISE ‼️

Kaya pala when we compare, mas lalo ito nagiging cause ng ating worry. This includes our comparison sa status ng finances natin sa iba.

Personal Finance is “personal.” There are biblical guidelines on finances can be followed, but what could work for others might not work for you.

At the end of the day, God’s plans for each one of us is unique. Kaya focus lang tayo kung paano tayo magiging good stewards ng blessings na binigay ni Lord sa atin.

It’s a reminder for us not to keep up with the trends kahit hindi kaya ng budget

“For we are not bold to class or compare ourselves with some of those who commend themselves; but when they measure themselves by themselves and compare themselves with themselves, they are without understanding.” 2 Corinthians 10:12 NASB1995

Q: “I have a 10-year VUL plan and 5 years na ako nagbabayad. Hindi ako nagmomonitor ng fund value pero naisipan ko lang magcheck noong isang araw. Sadly, mas mababa ang fund value kesa sa kabuuang binayad ko. Lugi pa ako My friend told me na dapat sa MP2 ko na lang nilagay ang pera ko, baka mas tumubo pa… “

A: Unang una, alalahanin mo ang reason kung bakit ka kumuha ng VUL. It should be for protection first (life insurance) than earning thru investment part. Ang fund value or investment part ng VUL ay dapat ituring na “long term savings,” meaning funds na pwede mo mapakinabangan in long term (more than 10 yrs). Kung ang ating goal ay mapalago ang ating savings, VUL is not the right financial instrument. After 5 yrs of contribution, hindi pa po talaga magpapantay ang ating total deposits to fund value dahil may insurance charges po tayo binabayaran na usually mataas for the first 3 yrs ng insurance policy. Ito po ang binayad natin kapalit ng ating peace of mind na if ever something happens to us, ay meron matatanggap ang ating family from the insurance company. MP2 is a great financial instrument for us to grow our savings, while VUL is a great tool for life insurance with long term savings.

P.S. Ang aking sagot ay based lamang po sa aking mga natutunan. If you have additional comments na helpful sa question, feel free to message me. 🧡

"What is a sinking fund and how does it work?
Here’s the explanation of Dave Ramsey:

“A sinking fund is a strategic way to save money by setting aside a little bit of money each month.

Here’s how sinking funds work: Every month, you’ll save a certain amount of money for a specific purpose to use at a later date. That way, you’re saving up small amounts over time, instead of having to come up with a big chunk of money all at once”

Here are some of the sinking fund ideas.
Start saving little by little today!"

VUL is insurance with investment.

But VUL isn't just insurance with investment. It is more than that...

1. It is a means for your family to live comfortably in case you are suddenly taken out of the picture.

2. It is a means for you to live comfortably in your retirement.

3. It can be a source of funds in case of critical illness or disability.

4. It may finance your children's education.

5. It may finance your dream car, travel, or house.

6. It can be a substitute for Mortgage Redemption Insurance.

VUL is a versatile investment. We can talk more about this in a short financial planning session.

Send me a message to learn more! 🤗

Pwede pa bang Mag-Apply ng Life Insurance Kapag May Sakit?

Here’s the answer: Ang totoo, kahit ikaw ay may sakit, hindi ibig sabihin na wala ka nang pag-asa na makakuha ng life insurance.

Usually lang ay mababang coverage na ang pwede mo makuha. Pero this is better than not having life insurance at all. You may contact your trusted Financial Advisor for more details regarding this.

It usually depends on your sickness. That’s why it’s important to try to apply first, then declare your health conditions truthfully, then The underwriting department of the insurance company will decide whether your application will be approved.

Here are three possible outcomes for your life insurance application:

Approved Standard: Your application is approved without an increase in premium or modifications from your original insurance coverage.

Approved Rated: Your application is approved with an increase in premium or, in some cases, with modifications from your original insurance coverage.

Declined: Your application is not approved.

If you find this useful, please don't forget to follow and share.

February marked a milestone!
Congratulations to my clients for securing their peace of mind through insurance.

👸 39 yo Business owner/mom
👸 25 yo Online Seller/mom
🤴 35 yo Business owner
🤴 18 yo Tourism student

Here's to a future of financial security and confidence. Pag-usapan natin 'yong sayo. 🧡

𝑾𝒂𝒏𝒕 𝒕𝒐 𝒋𝒐𝒊𝒏 𝒖𝒔 𝒊𝒏 𝒐𝒖𝒓 𝒊𝒏𝒕𝒆𝒓𝒏𝒂𝒕𝒊𝒐𝒏𝒂𝒍 𝒄𝒐𝒏𝒇𝒆𝒓𝒆𝒏𝒄𝒆𝒔 𝒂𝒏𝒅 𝒕𝒓𝒂𝒗𝒆𝒍𝒔?

We are looking for sales agents who will soon build their own agency.

You just have to be:

• a graduate of any 4 year course
• a Millennial or Gen Z
• with no background or with
• open for part time or full time
• driven and have a high purpose in what they do

"This career does not give us what we want, this career does not give us what we need, this career gives us what we deserve."

PM me for more information. 📩

Enjoy and trust the process!

With inflation shooting up, we gotta choose between ditching our savings routine or giving up on our wants. 📈

PERO bakit magtitipid kung pwede namang mag-side hustle, dagdagan ang income, and give in to your cravings? 💰

TARA!

Become a Financial Wealth Planner with us at i-level up ang iyong cash game. Roll with our dragon crew because you’re meant to and 🧡

Ctto