Financial Coaching with Lyn

Honored to be one of the managers in Sun Life who have earned the prestigious GAMA International Management Award this year! 🏆❤️ I couldn't have done it without the support of my awesome team Audrey Hepburn and its members: Financial Planning with Jansen Hidalgo Kayra Arante - Sun Life Financial Advisor Eula Sison-Fernandez/ Financial Advisor Honey Moncayo JO Pascua Jahharra Mae Alvaro - Sun Life Financial Advisor

**International Management Award (IMA):** Celebrates those who have shown consistent excellence in building and leading successful teams over a period of time.

**Frontline Leader Award (FLA):** This award honors frontline managers who have shown exemplary leadership and made a significant impact on their team's success.

The GAMA International Management Awards are truly prestigious, celebrating more than just financial achievement. They recognize the profound influence these leaders have in shaping cohesive, high-performing teams within the insurance and financial services industries.

Grateful to BM Susan Lee of Sun Life Sequoia NBO for sharing her secrets to creating lasting partnerships with High Net Worth clients last night 💛

Always looking forward to the first Saturday of the month because it's our branch ACES💫 (Assembly of Committed and Excellent SunLifers)!

Our BM always make sure we are always up to date and well trained + she always gets the best and brightest speakers in the industry ❤️ Appreciate you BM Gigi Sequitin!

And I'm happy to see & spend time irl with my team AH!

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 a habit.

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

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 debt = 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 malinis at maayos pa naman, 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 💫

THE BURNT TOAST THEORY

When things don’t go your way…

Last February, I had a flight out of Sydney that was cancelled several minutes after we were asked to get ready for boarding. The airline management announced that their engineer couldn’t get the aircraft to operate.

We were the only passengers left in the terminal. The airport had literally closed for the day already. You probably don’t know this but Sydney International Airport has a curfew for flights. No aircraft is allowed to fly in and out between 11PM and 6AM.

We were asked to go through immigration again and then proceeded to collect our luggages. Afterwhich, we were given Uber vouchers so that we can all go home for the night.

Everyone started to be grumpy. Well, as expected.

But my first thought was “thank God they managed to identify the operational/technical issue of the aircraft before asking us to board and eventually take off.”

This is where the Burnt Toast Theory comes in. It suggests that when delays happen or when things don’t go as planned, it could actually be a blessing in disguise. Those major or minor life’s inconveniences might actually be protecting you from something.

Essentially, if you burn your toast in the morning (something challenging happens), the time you spend making another slice may have saved you from a car accident or something bad.

Or maybe it causes you to be late for a meeting, but as you stroll in, you cross paths with someone who will become incredibly meaningful in your life that you wouldn’t have met otherwise.

It’s kind of like the universe always has your back.

As what I always tell myself:

If you get what you want, that is God’s direction. If you do not get what you want, that is God’s protection. You may not understand His ways but you just have to trust His will.

So the next time things don’t go your way, always remember that you are being redirected to something better.

Love and light 🫶✨

Credits to the original poster

Ready. Reset. GO! 🎉🎉🎉
Thank you Sun Life PH for another AWESOME and EXCITING kick off and thanksgiving celebration! What a great start to the 2nd half of the year!

Awesome thanksgiving celebration + Q3 kick off program today! Thank you Sun Life! 💛🎉

Your sales force are motivated and ready to face the 2nd half of 2024! ✨

Calling Sun Life Clients! 📢📢📢

What if you could take your financial journey for a test drive? 🎮

With Play for Life: A Game Choices, you can. Test your strategies and see how you can achieve your chosen life goals. ✨

Be in the game and join our promo for a chance to win a trip to Japan worth Php 100,000 or Giftaway vouchers up to Php 10,000.00!

You have until October 31, 2024 to enter the contest. Read the mechanics ➡️ sunlife.co/ClientPFLMechanics

Tuesday thoughts:

If BREADWINNER lang ang may insurance, kapag may nangyari sa ibang member ng family niya, yung breadwinner lang din ang sasalo ng lahat ng gastos at MABIGAT yon.

It’s important to have ALL members of the family INSURED.

Happy Father's Day to all Dads! ❤️👨🏻

Just putting this here 😊

WHAT'S MY FAVORITE SUN LIFE PRODUCT?
▪️Without a doubt —

Sun Smarter Life Elite Peso 10
🔥 Here are my 7 Compelling Reasons:

1. CRISIS PROOF Lifetime Guaranteed Cash Benefits
▪️ As early as end of 6th year of your policy, you get to receive a Guaranteed Pay Out every other year until age 100 regardless of the economic situation

2. Earn DIVIDENDS Yearly
▪️ You will receive money if the company declares that there is a dividend

3. Multi Generational Benefits
▪️ Even your grandchild will experience benefits

4. Future Ready Credit
▪️ You can borrow money when you need money in small interest that is surely approved

5. Future MRI For Housing Loan
▪️ You can use it if you're going to loan a house

6. Multi-Purpose Fund
▪️ You can give it as a gift, wedding fund, buy a car, build a business, property and many others

7. LEGACY Gift For A Lifetime
▪️ Your family will never forget you and what you've set-up for them

PM ME FOR CONSULTATION 📩

Think about it... every month may binabayad ka sa house rent, electricity, water, groceries, loan, wifi, subscriptions, shopee, insurance plan, etc.

Lahat yan ay part ng lifestyle natin.

Pero kapag may nangyari sa atin - yung INSURANCE PLAN lang ang makakapagbigay ng benefits sayo at sa family mo.

International Quality Awardee for the 4th time in a row 💛

Proud to announce that I am one of the 2023 IQA awardees under Sun Life Marie Curie Sales Team.

International Quality Award (IQA) is set by LIMRA, an organization that promotes quality selling in the life insurance profession since 1960. This prestigious award is recognized by over 30 different countries and 80 companies and honors producers for their excellent production and outstanding persistency of life insurance business.

This recognition by LIMRA is a testament to a financial planner's commitment to providing clients with the highest level of service and expertise in the industry. This is my yearly goal, to make sure my skills are sharp so that I can set a GOLD standard of service to my clients.

Made it to Sun Life Hyperion Tree NBO 2023 Excellence Awards ✨

Sobrang dami na po ng awards sometimes I can't keep track na but what made this recognition significant is that it's proof that even when you are going thru a LOT behind the scenes (legit may weeks na tulala lang ako lol) - so much can still be achieved and everything is still possible as long as you don't give up 🔥

Thank you to all my clients for the trust & big shoutout to my team Audrey Hepburn for inspiring me (and bringing out my competitive spirit!) to still be active in securing more lives 💛

Inspired once again to keep living out our mantra of "protecting families, dreams & wealth" 🥰

🎖️2023 Grandslam Medallion (Advisor Level)
🎖️Platinum Medallion Q4 2023 (Advisor Level)
🎖️Bronze Medallion Q4 2023 (as Field Manager)
🎖️4x International Quality Awardee - Gold
🎖️5x Macaulay Club Awardee (Advisor Level)
🎖️ Consistent Medallion Awardee since 2018 💕
🎖️3 Medallion Awardees in my team as well - Eula Sison-Fernandez/ Financial Advisor & Kayra Arante - Sun Life Financial Advisor 🏆🏆👏🏻

BM Gigi - super sarap po ng food and ang saya ng awarding ceremony and I think everyone enjoyed the intimate and exclusive celebration that you prepared for us. You inspire us to always be excellent in everything we do 💛

Sure ako matured na lahat ng insurance policies niya 😅

Juan Ponce Enrile turns 100 on Feb. 14, making him an easy subject of talks on immortality. https://bitly.ws/3cWX7 | via ONE News

𝗡𝗼 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗘𝘅𝗮𝗺
𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗔𝗰𝗰𝗲𝗽𝘁𝗮𝗻𝗰𝗲
𝗚𝗲𝘁 𝘆𝗼𝘂𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗲𝗱 𝗺𝗼𝗻𝗲𝘆 𝗯𝗮𝗰𝗸 𝗮𝗳𝘁𝗲𝗿 𝟳 𝘆𝗲𝗮𝗿𝘀
𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗽𝗮𝘆𝗼𝘂𝘁 𝗼𝗳 𝟰% 𝗮𝗻𝗻𝘂𝗮𝗹𝗹𝘆 𝗳𝗼𝗿 𝟳 𝘆𝗲𝗮𝗿𝘀

Example:
You invest 1M into Sun Wealth Prime 7. You will get guaranteed 40,000 in payout every year for 7 years. That would be total of 280,000 in earnings for the 7 years duration plus you get the whole 1M back after 7 years.

This is why money in the bank does not grow that much.

Only keep a portion of your money in the bank that is good for emergency use and place others on other financial instruments 👌🏻💯

Credits to: OurMoneyGrows

ATM: 2024 Congress with my Team Audrey Hepburn - Sun Life Philippines 💛😍

If you have been my Sun Life client, purchased anything from me this year, trusted me, showed me any kind of appreciation, support and LOVE, please know it didn’t go unnoticed 🥰 I remember each and every one of you. THANK YOU✨

Maraming salamat po! Grateful everyday for you🙏🏻❤️

More blessings, love, peace, good health & genuine happiness for us all this 2024! 🎊💕🥂🍾

Happy holidays from our team at Sun Life to yours! 🎄✨❤️

P1,000 per month lang may LIFETIME GIFT ka na kay nanay at tatay.😊

𝙎𝙐𝙉 𝙎𝘼𝙁𝙀𝙍 𝙇𝙄𝙁𝙀☀️
⭐️One of the Most Affordable Insurance Plans of Sun Life 🥰

🏆5 year Renewable Plan
Ibig sabihin po every 5 years you can decide whether you will still continue the plan or not. Better of course kung tuloy-tuloy.

👉Every time nagrerenew, tumataas yung payment kasi mas tumatanda po tayo, which means mas nalalapit po tayo sa risk of death.

⭐️COVERAGE
P2,000,000 Guaranteed Death Benefit since day 1 (Regardless of the cause of death)

Meaning po kahit na hindi pa po tapos hulugan yung 5yrs, in case kunin po ni Lord si Client, SURE P2M po ang ibibigay sa pamilyang maiiwan.

💵May additional pa na 1 million na makukuha ang mga beneficiaries kapag ang cause of death ni Insured ay due to an accident.

Note: Kay Sun Life Day 1 ang effectivity/activation ng coverage.

📝Note: The difference between putting your money in the bank and in Sun Life👇

🏦BANK
❌No Insurance / Death Benefit for your family in case you pass away
❌ Your loved ones need to pay Estate Tax to claim the money in the account in case of the account holder's death
❌No income continuation for your loved ones

☀️SUN LIFE
✅With Insurance (Guaranteed Death Benefit) You can still support your family financially even though you’re no longer with them.
✅You will leave a positive legacy to your family when you die. You'll be a blessing in disguise because they don’t have to worry about finances when you’re gone.
✅With income continuation for your loved ones.

📌With just a MINIMAL COST, you can PROVIDE MAXIMUM PROTECTION for your family.

Let me know if you have any questions.😊

One for Dad. One for Mom. One for Selene. I'm a believer! 😇💛
What's inside the yellow folder? 😍

✅Retirement fund - hindi na namin iaasa kay Selene ang mga expenses namin pag tanda namin. Let us be the last SANDWICH GENERATION‼️

✅Educational Fund - as early as now, binibuild na namin ang College fund ni Selene. Education is a need. 🎓

✅Investment - minsan sa buhay natin kailangan natin maging matapang. Kesa magastos ko lang pera ko sa wala. Go! Invest na yan. Take note. Sa top companies ka mag-iinvest dito, hindi kung saan saan lang. 📈

✅Critical Illness Benefit - mas maganda na may safety net tayo in case subukan tayo ng pagkakataon. Mahal magkasakit. Mahirap mangutang, lalong mahirap manghingi. Kung may insurance ka, may magbabayad para sayo, when you get sick, when you get ill. 💊💉

LIVING BENEFITS pa lang yan. 💯

Wag ka matakot sa insurance kasi it will give you PEACE OF MIND.

This is the only expense that will give your family an income when something unfortunate happened.

It was never about the awards, but I appreciate the recognition 💛

6 years and multiple awards won later, I'm still consistent with being a medallion qualifier ✨

All of this is thanks to the clients who put their trust in me, thank you dear clients!

10 lessons from How Successful People Grow by John Maxwell:

1. Develop your core competencies. What are you uniquely good at? What are the things that you do that others can't? Focus on developing these core competencies and you will be well on your way to success.

2. Have a clear vision. What do you want to achieve in your life? What is your purpose? Having a clear vision will give you direction and motivation to achieve your goals.

3. Be persistent. Don't give up on your dreams. No matter how many times you fail, keep trying. Persistence is key to success.

4. Be willing to take risks. If you want to achieve great things, you have to be willing to take risks. Don't be afraid to step outside of your comfort zone and try new things.

5. Be a lifelong learner. The world is constantly changing, so you need to be constantly learning. Read books, attend conferences, and take courses to stay ahead of the curve.

6. Be surrounded by positive people. The people you spend time with have a big impact on your life. So surround yourself with positive people who will support your dreams.

7. Give back. Find a way to give back to your community or to a cause that you care about. This will make you feel good and it will also help you to connect with others.

8. Celebrate your successes. When you achieve a goal, take the time to celebrate your success. This will help you to stay motivated and to keep moving forward.

9. Don't compare yourself to others. Everyone is on their own journey. So don't compare yourself to others. Just focus on your own goals and your own progress.

10. Enjoy the journey. Success is not a destination. It's a journey. So enjoy the ride and savor the moments along the way.

I hope these lessons help you to grow and achieve success in your own life.

Book: https://amzn.to/3L8LEuv
Audiobook: https://amzn.to/3YW7pn1

Secured another 2 lives on the last day of November.

Welcoming December with renewed energy and excitement! 💛✨

Sino kaya maiinsure ko this month? 🥰

There is a viral post circulating online regarding the critical illness coverage of our insurance. If you have concerns or doubts about your insurance, send me a message and I will provide you answer.

One’s opinion cannot erase the fact that billions of pesos in claims and maturities are released by life insurance companies every year.

Of course it's hard.
It's supposed to be hard.
Hard is what makes it great.

Do it still. Savor that small win. Know that the things that you do matter. Always move forward.

- words of tina llorca

SHARING MY INVESTMENT JOURNEY WITH YOU 💛

29, Breadwinner.

My Budgeting Rule is:
50-30-20

50% for needs
30% for wants (10% nito is for tithes if you do it)
20% for savings & investments

As much as possible, ayokong maging burden sa iba in the future.

My savings was dividend into three parts:
(1) Pleasure / Travel Fund
(2) Retirement Fund
(3) Emergency Fund

Here are my investment tips na meron ako! I won't share this if I don't practice it.

𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗕𝗮𝗻𝗸𝘀

✅ PayMaya
✅ CIMB
✅ Tonik Bank
✅ Unionbank (easy to automate saving for specific goals)

Yan ang digital banks na meron ako now, pero marami pa sila.

Your savings will grow around 4-6% annually, not bad.

𝗠𝗣𝟮 - 𝘃𝗼𝗹𝘂𝗻𝘁𝗮𝗿𝘆 𝘀𝗮𝘃𝗶𝗻𝗴 𝘁𝗼 𝗣𝗮𝗴-𝗶𝗯𝗶𝗴 𝗙𝘂𝗻𝗱𝘀
✅ money will grow at least 6% yearly and it will accummulate for the following years.

Kailangan may goal ka per month, how much money you will deposit to your MP2 account.

Let say,
1K per month
12K in a year

I can say that your savings in your first year will grow up to 6%-7% dividend rates.

Syempre sa long term tayo at least 5 years para may resulta. Nag-aaccumulate ang tubo niya kasi na aadd sya sa ipon mo.

𝗜𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 𝗠𝗣𝟮 𝗩𝗼𝗹𝘂𝗻𝘁𝗮𝗿𝘆 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗵𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝗹𝗶𝗻𝗸:
https://www.pagibigfundservices.com/MP2Enrollment/Default.aspx

Another great financial product is VUL. May VUL ka na ba? 😊

𝗩𝗨𝗟 𝗶𝘀 𝗮 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗽𝗹𝗮𝗻 𝗽𝗹𝘂𝘀 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗿𝗼𝗹𝗹𝗲𝗱 𝗶𝗻𝘁𝗼 𝗼𝗻𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁.

4-in-1 Investment Linked Insurance comprised of:
✅ Life Insurance
✅ Health Insurance
✅ Accident Benefit
✅ Savings with Projected Fund Values at 8-10% return

Why do I have this plan? Kasi ayokong ma-wipe out savings ko in the blink of an eye if magkasakit ako.

Traditional banks have less than 1% interest per year without any insurance coverage.

Nag-iipon ka lang ba sa bank para ipambayad sa hospital bills mo?
or hindi mo na iniisip ang hospitalization, critical illness, or other unforseen events in life. Kasi matagal pa naman 'yon.

It's up to you pero mas better pa rin kung meron ka nito.

𝗔𝗹𝘄𝗮𝘆𝘀 𝗽𝗹𝗮𝗻 𝗮𝗵𝗲𝗮𝗱. 𝗜𝘁 𝘄𝗮𝘀𝗻'𝘁 𝗿𝗮𝗶𝗻𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝗡𝗼𝗮𝗵 𝗯𝘂𝗶𝗹𝘁 𝘁𝗵𝗲 𝗮𝗿𝗸. 😊

I have this plan kasi kailangan maggrow ang savings dahil sa inflation rate.

Imagine this, you save 20K this year pero ni hindi man lang tumubo ng at least 4%. So, next year talo na agad ang 20K mo dahil ang value niya is bumaba na.

Inflation rate in the Philippines increased up to 6% na. Hindi mo matatalo ang inflation pero makakaya mo siyang sabayan.

Savings in VUL can grow around 4% - 10%

Pero ano ba talaga ang savings?

Kapag sinabi mong savings. Dapat ang goal nito is mag generate ng additional income for you.

Allow your savings to grow, don't just keep it under your pillow or in your wallet. Kasi years will pass, hihina ang purchasing power niyan.

𝙍𝙚𝙢𝙚𝙢𝙗𝙚𝙧 𝙩𝙝𝙞𝙨:
The day you plant the seed is not the day you eat the fruit. Walang instant sa buhay, it takes time 🌱

Kapag mag-iinvest ka, doon ka sa matagal pero trustworthy at credible. Kapag mabilis ang balik sigurado scam iyan. Protect your hard-earned income.

I trust 𝙎𝙪𝙣 𝙇𝙞𝙛𝙚 whatever happens kasi 128 years na silang namamayagpag.

I trust 𝙋𝙖𝙜-𝙞𝙗𝙞𝙜 𝙁𝙪𝙣𝙙𝙨 dahil stable sila.

I trust 𝘿𝙞𝙜𝙞𝙩𝙖𝙡 𝘽𝙖𝙣𝙠𝙨 kasi BSP registered sila.

Don't put all your eggs in one basket.

I have more investment pero masyado na mahaba ang post na to.

Kailangan mo rin ito, pero suggestions lang naman itong mga shinare ko. Ikaw pa rin ang magdedecide kung anong klase bang future ang gusto mo. ✨

Baka may gusto kang simulan, at hindi mo alam kung paano?

Connect with me, I would love to help you as early as now.

Spending so much today is STEALING from the old person you may someday be.