Nilo Sabandeja Jr - Financial Coach and Health Planner

Hello po sa mga may babies, alam nio ba na pwede na natin silang gawing millionaire pag naging 20 yrs old na sila?

I know that it is every parent's dream to give a bright future for their children. To prepare them financially when they enter adulthood, you must start TODAY. By simply investing p83.33/day or p2,500/month, a cost less than that of a value meal, they will be covered with a life insurance and an investment that can help them become a millionaire. Make that move to make your dream a reality!

Would you like to help your child become a millionaire by age 20? I am here to help you....

Just comment down for other info.
-ctto

Why is financial preparation a must in case a medical needs arise??
Simply because you can never have it by the time you need it..

Nganung kinahanglan proteksyunan imong income?
Tungod ang imong asawa ug mga anak dli responsibilidad sa ikaduhang bana
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Financial planning revolves to this 5 items that are inevitable in life:
1. Income protection
2. Health
3. College educational planning for kids
4. Retirement
5. Estate planning

Lets talk about it one by one

We all dreamed of a retired life with financial abundance and time freedom.

Ang pangutana, at what age nmo siya gusto maachieve?? 40? 50? 60? 70? 80?

Working double time doesn’t mean double pay. You need a plan that can hustle with you and reward you with bonuses so you can secure every stage of your life.

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Retirement and health planning are not optional but essential elements in shaping a fulfilling and secure future. They provide the foundation for a retirement that is financially stable and physically and mentally rewarding. By taking the time to plan and invest in both your financial security and your health, you can look forward to a retirement that truly represents the culmination of your life's work and aspirations. So, start planning today, for a brighter and healthier tomorrow.

Thank you to this couple working in a government in taking your precious time planning for your retirement and health. You truly made the right decision maam and sir!

Everyone has the opportunity to enjoy today while protecting your future.

Success doesn't need excuses, and failure doesn't allow for excuses either. In other words, when you succeed, there's no need to apologize for your achievements, and when you fail, making excuses won't change the outcome. It encourages taking responsibility for both success and failure.

4-days Personal development activity to serve our clientele the best that we can give in delivering our purpose…

Financial planning is an important aspect of personal and professional life. Here are some morning thoughts to consider when it comes to financial planning:

1. Set clear financial goals: Take some time to think about your short-term and long-term financial goals. Whether it's saving for retirement, buying a house, or starting a business, having clear goals will help you create a roadmap for your financial planning.

2. Budgeting: Start your day by reviewing your budget. Track your income, expenses, and savings regularly. Make adjustments as necessary to ensure you're on track with your financial goals.

3. Emergency fund: It's crucial to have an emergency fund to handle unexpected expenses. Consider setting aside a portion of your income into a separate savings account specifically designated for emergencies.

4. Debt management: Evaluate your debt situation. If you have any high-interest debt, such as credit card debt, create a plan to pay it off as quickly as possible. Explore strategies like debt consolidation or balance transfers to reduce interest rates.

5. Investments: Review your investment portfolio and make any necessary adjustments based on your risk tolerance and financial goals. Consider diversifying your investments to manage risk effectively.

6. Insurance coverage: Assess your insurance needs. Review your life, health, disability, and property insurance policies to ensure they provide adequate coverage for you and your family.

7. Retirement planning: If you haven't already, start planning for retirement. Contribute regularly to retirement accounts like a 401(k) or an Individual Retirement Account (IRA) to secure your financial future.

8. Continual learning: Stay informed about personal finance topics. Read books, articles, or listen to podcasts that can expand your financial knowledge and help you make informed decisions.

9. Seek professional advice: Consider consulting with a financial advisor or planner who can provide personalized guidance based on your unique circumstances and goals.

10. Review progress: Regularly review your financial plan's progress. Take stock of your achievements, reassess your goals, and make any necessary adjustments along the way.

Remember, financial planning is an ongoing process. By dedicating time and effort to manage your finances effectively, you can work towards achieving your financial aspirations and build a secure future.

Retirement planning is not just about setting aside money for the future; it's about investing in a life of freedom, security, and fulfillment. Start early, save consistently, and make wise financial choices along the way.

A tip for everyone in terms of financial accounts.
Ikaw ba, ilang bank accounts meron ka?
Comment down 📩

📸CTTO CEO Mindset with Purpose

A happy retirement is when you enjoy your days without worrying for your health because we will take care of it up to age 99
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Financial literacy should be taught to kids as early as this kids know how to add and subtract. Kapag nangyari to, hindi malabo na kayang kaya nilang maging successful sa lalong madaling panahon na hindi na kailangan dumanas ng kahirapan sa buhay.
At kapag oras na upang ipamana ang mga kayamanang naipundar, makakaasa kang hinding hindi nila ito papabayaan. Thats the power of learning how the money works..

With this, we will be conducting a school to school Financial Literacy to spread the idea of financial literacy to the younger generations.
Keep posted for the schedules and schools to be visited soon

📸CTTO

In the world of business, insurance plays a critical role in protecting companies from various risks and helping them to run smoothly and successfully. Here are 10 reasons why businesses need insurance:

💡 Protection Against Natural Disasters: Natural disasters such as floods, earthquakes, or storms can cause substantial physical damage to business assets. Insurance can provide financial support to replace or repair buildings, equipment, and inventory, allowing the business to recover more quickly from such disasters.

💡 Liability Coverage: Businesses face potential lawsuits from a variety of sources - customers, employees, and even competitors. Liability insurance can cover the cost of legal defense, as well as any settlements or judgments. This is particularly important for businesses that interact directly with customers, like retail or service industries, where the risk of personal injury or property damage is higher.

💡 Protection of Human Assets: If a key employee or owner were to become incapacitated or die, it could significantly impact the business. Key person insurance or life insurance can provide financial resources to help a company navigate these difficult periods.

💡 Business Interruption: In some cases, like a natural disaster or a pandemic, a business might have to shut down temporarily. Business interruption insurance can cover the loss of income during these periods, helping businesses to stay solvent while they cannot operate normally.

💡 Regulatory Requirement: In many jurisdictions, businesses are legally required to carry certain types of insurance. For example, in most U.S. states, businesses with employees must carry workers' compensation insurance. Similarly, businesses that use vehicles need commercial auto insurance.

💡 Contractual Obligations: Many contracts require proof of insurance. For example, if you rent or lease your business space, your landlord may require liability insurance.

So protect your business by insuring yourself.
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Health funds for kids can also help bridge the gap for families who may not have adequate health insurance coverage. By providing financial assistance for medical expenses, we can ensure that all children have access to quality healthcare regardless of their family's financial status..

Health planning for kids is very essential.. talk to us for more info about this 👇👇👇

College education is becoming increasingly expensive, and without proper planning, families may find themselves struggling to afford tuition and other associated costs. By creating a comprehensive education fund plan that takes into account anticipated expenses and potential sources of financial aid, families can ensure that their children receive the education they deserve without sacrificing their financial stability.

Plan for your child’s college education fund now!!

Get the right plan that protects your heart 💝💝💝

Flexing this health plan available un the market today that is very customizable and comprehensive, fit to everyone who needs it..

See photo below to learn more about it 👇👇

Did you know that there is this rarest plan that will cover our heath for a lifetime???

Most of the health plans covers only until ages 65, 70 or 75

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Daily hospitalization benefit to cover or subsidize your absences to work without pay due to sickness..

Talk to us for more of this
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How do you take charge of your health?
Comment down below 👇👇👇

8 out 10 filipinos experience critical illness inevitably in its lifetime. Take this as a reminder to ourselves to have a plan that will cater the financial needs should a critical illness arise in a family unexpectedly.

Talk to a Health Planning Expert NOW!!!
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If you dont find ways to make money while you sleep, you will work until you die
-Warren Buffet