Engr. Ron Got You Covered

Your loved ones’ medical costs are covered. Get AIA Med-Assist today!

Protect those who matter the most from 100 critical illnesses. Get AIA Critical Protect 100 today!

Meet this wonderful mom-and-daughter duo whose love story is a daily dose of inspiration for us all. Welcome to the family, Kathryn and Mommy Min!

💌Ronald Mainit Calamba

Here are 4 rea*ons why Whole Life Insurance is a great asset:

⭐️ It provides a death benefit to help protect loved ones: The primary purpose of life insurance is to provide financial support to the policyholder's beneficiaries in the event of their death. A whole life insurance policy can help to ensure that your loved ones are taken care of financially if you are no longer able to provide for them.

⭐ It builds cash value: Whole life insurance policies include a savings component that allows policyholders to build cash value over time. This cash value can be borrowed against or withdrawn by the policyholder, which can be helpful in times of financial need.

⭐ It can be a source of funds for policyholders: In addition to providing a death benefit, whole life insurance can also serve as a source of funds for policyholders to use during their lifetimes. Policyholders can borrow against their policy's cash value or take out a policy loan, which can be helpful in times of financial need.

⭐ It can provide tax benefits: In many cases, whole life insurance can provide tax benefits to policyholders. For example, the cash value of a whole life insurance policy may be tax-deferred, meaning that policyholders don't have to pay taxes on the growth of the cash value until it is withdrawn and almost always the death benefit is tax free.

CTTO: Dr. Sanjay Tolani

Let’s build a healthier future this World Lung Cancer Day by making lifestyle changes that reduce our risk.

Healthy habits, such as regular exercise and a balanced diet, can improve lung function and prevent lung cancer in both smokers and non-smokers.

Certainly, one of the best ways to protect our families is to quit smoking and create a smoke-free environment!

Why getting an insurance at a younger age is better?

This has been one of the FAQs we get when we talk to young professionals like you: why do we encourage them to get insurance early. And it’s because you can qualify for lower premiums. It gives you more time to protect the future you want for yourself!

If you wish to learn more, sign-up below!

Insurance at a younger age This has been one of the FAQs we get when we talk to young professionals like you: why do we encourage them to get insurance early. And it’s because you can qualify for lower premiums. it gives you more time to protect the future you want for yourself! If you wish to learn more, sign-up below!

The American Heart Association says the key to a healthy heart is to emphasise and minimise!

Emphasise fruits, vegetables, healthy sources of protein and plant oils, while minimising salt, processed foods and added sugars.

But you don’t have to give up your favourite foods to lead a heart-healthy lifestyle!

Learn how you can create an easy-to-remember diet plan that benefits your health: http://bitly.ws/PCov

𝑭𝒊𝒗𝒆 𝑺𝒐𝒍𝒊𝒅 𝑹𝒆𝒂𝒔𝒐𝒏𝒔 𝒕𝒐 𝑮𝒆𝒕 𝑳𝑰𝑭𝑬 𝑰𝑵𝑺𝑼𝑹𝑨𝑵𝑪𝑬!

You may have come across the term 'endowment plan' and wondered how it fits into a person's financial journey. Here are 4 key benefits of an endowment plan:

✅ Insurance Coverage:
Endowment plans serve dual purposes - they're not only an investment tool but also offer life coverage. If the policyholder passes away during the policy term, the sum assured goes to the beneficiary, providing financial security for the family.

✅ Savings Discipline:
Endowment plans promote disciplined saving. They require regular premium payments over a set policy term, fostering long-term saving habits.

✅ Loan Facility:
Some endowment plans have a loan facility. Policyholders can borrow a certain percentage of the policy's cash value in financial emergencies.

✅ Predictable Maturity Benefits:
Once the policy term ends, policyholders receive a lump sum (the sum assured and any bonuses). This sum can go towards substantial expenses such as children's education, weddings, or retirement.

If you're wondering how an endowment plan can support your financial journey, consider chatting with a financial advisor. They can give you a clearer picture and help you make a plan that suits your needs.

CTTO: Dr. Sanjay Tolani See less

DID YOU KNOW?

That the Medical Reimbursement part in some of the Accident Insurance Riders can cover for accidents like animal bites, vehicular accidents, sports accidents, etc.

If the insured gets hospitalised, he/she can claim up to Php 100k depending on the amount of coverage of the policy.

Ask your Starbright Financial Advisor today 📲

Thank you, 400! 🥳

We did it again! Hooray! 🤗

I offer this to my dear clients for trusting me as their financial advisor. 🥰👷‍♂🙏☝

Congratulations Ronron Calamba for being our Top 1 Advisor for May 2023. 👏🎊

Your clients are blessed to have you as their

Not many people realize the importance of proper retirement planning. Unfortunately, by the time most people come to this realization, it is often too late and they miss out on opportunities that could have given them financial stability and peace of mind in their golden years.

Therefore, it's crucial to have a rational mindset and start budgeting early. Plan your retirement strategy wisely, monitor your money decisions, and work towards achieving your retirement goals smoothly.

For clients reading this: Talk to your financial advisor today and educate yourself. It's always better to start planning early.

Credits: Dr. Sanjay Tolani

Blessed to be of service to others. To more lives secured financially! 🤩

Congratulations to our life savers for the month of March!!

Good job protecting the families of the people you care for, our value clients!!

To more lives to save this month!! 🔥🔥🔥

From Top 3 to Top 2, and now Top 1 of Verge Wealth Planners for the month of January! 🤩
Yeheyyy! 🎉 Thank you Lord! 🙏☝️
Thank you also to all my dear clients for trusting me and who gave me the opportunity to share different options/financial solutions that match your needs and wants. 😊
If you're also interested to see how we can add value to you through an ONLINE Financial Planning consultation OR if you see yourself doing what we are doing, kindly PM me for assistance. 👇
YOU WILL NEVER BE ALONE IN THIS JOURNEY. 💖

From the people I have come across, here are a few common Financial Planning blunders they make:

❌ Heaps Of Credit Card Debt
Most millennials use their credit card on things they do not require or overspend thinking that they can pay it off later. A credit card is a tool to help gain time, it is not something to be used for luxury spending.

❌ No Emergency Fund
One of the biggest mistakes people make is not building up for a rainy day. An accident, health issue, or losing a job are major causes of cracks in savings. An emergency fund should be built to provide a minimum of 6 months of living expenses in case of a mishap.

❌ Spending At The Rate Of Their Earnings
Wouldn’t you love splurging on a holiday or buying a bigger property? But with this mindset, you will never be able to reach “financial freedom”. Use the extra income to pay off previous loans, or buy an annuity. That way you will have extra income in the future.

❌ Not Being Proactive About Their Health
In today’s time and day, nothing is more important than your health. Age has nothing to do with health and immunity.Being sensible about your health from the beginning will increase your longevity, preventing overheads for health care in the future.

❌ Not Investing In Whole Life Insurance
Surely you cannot influence the ups and downs of your life, but as they say, spread your eggs in different baskets. You can control the rate of saving and the percentage of income you put into long-term investments. Having adequate insurance cover is one of the fastest ways to grow your wealth.

❌ No Retirement Fund
Every penny counts! Set aside as little as you can while you are young and healthy for a time when you are old and frail. Your retirement fund is not for you to indulge in an adventure in your 30s. It is for you to lead a comfortable, independent life even in your 60s.

If you are a client reading this, spend time speaking to a financial advisor around you to understand how you can protect your needs so you know how to manage your potential unexpected risks in the future

CTTO: Dr. Sanjay Tolani

Here are 5 financial planning tips for freelancers and people with unstable income:

👍🏼 Create a budget: Having a budget can help you to better understand your financial situation and manage your money more effectively, even if your income is unstable. Be sure to include all of your regular expenses, as well as any irregular or unexpected expenses that may arise.

👍🏼 Build an emergency fund: Having an emergency fund can help you to weather financial storms if you experience a period of reduced or unstable income. Aim to save enough money to cover at least three to six months' worth of expenses.

👍🏼 Diversify your income streams: If you rely on a single source of income, it can be helpful to try to diversify your income streams by finding ways to generate additional income through things like freelance work, part-time jobs, or investments.

👍🏼 Consider using financial tools like life insurance or annuities: As mentioned earlier, life insurance and annuities can be useful financial tools for people with unstable income, as they can provide financial protection and a guaranteed source of income.

👍🏼 Seek professional guidance: If you're struggling to manage your finances due to unstable income, it can be helpful to seek the guidance of a financial advisor or professional. They can help you to develop a personalized financial plan that takes your unique situation into account.

CTTO: Dr. Sanjay Tolani

Leadership is not about numbers. 🙅🏻‍♂️

It's all about people. 😇

Build lasting relationships. 😍
Care enough for them. ❤️
Then the people will build your business. 🚀

A TRUE STORY:
"My friend from college became successful when she got promoted three times in a multinational company she is currently employed.
During the stint of her success, she managed to get a condominium and a brand new car as a reward for herself. Her properties are expensive that she needs to back those up with insurance. Since she managed to secure her properties with insurance, I asked her "IKAW? Kailan mo ikukuha ang sarili mo ng personal insurance? Ikaw nagbabayad ng lahat ng yan...." She goes, "Sige, pagusapan natin yan pag may time ako. Busy pa. Di ko pa yan mahaharap." I was silenced.
During free days, we would usually explore the restaurants and coffeeshops around the metro. In one of our weekend shopping sprees, she once jokingly told me "diba ang mga mayayaman may mga imported na a*o?" - she got herself a chihuahua.
She loves to travel. She is indeed a wanderlust. She would reward herself an out of the country or out of town trips during long weekends. Batanes. Coron. Siargao. El Nido. Amanpulo. UK. USA. Japan. Korea. Canada. Australia. She has been to almost all the places one can dream of.
Her life was blissful until...
One day, she felt a sudden pain gushing through her stomach down to her pelvis. The pain became unbearable in less than an hour that she needs to ask her neighbor to drive her to the hospital.
She was rushed to the ER.
Sedated. Confined.
The test went back with the result: COLON CANCER. Stage 3.
Her age? 31.
She called me up soon as she was able to gather her self from shock. I rushed to the hospital and comforted her. She's afraid to die but she was more concerned about the expenses she will face from that day forward.
She then said helplessly "Sis, baka pwede nating gawan ng paraan yung insurance na inooffer mo? Okay lang kahit doblehin ko na lang yung premium..."
I hugged her so tight that I cannot help my tears from falling down my cheeks in deep regret. I whispered, "Sis, I am sorry. Wala na akong magagawa sa insurance na kailangan mo..."
We cried.
She eventually resigned. Sold her condominium and her car to finance her treatments. Her puppy was adopted by another friend. She drained all her savings and owed some banks and friends some money. Her then co-workers passed the hats to help. She was broke.
She battled for two years but she was not able to make it. Leaving her family grieving and in debt. Leaving me with great regret.
She made me learn one thing: If you love your friends and if you are truly concerned with the people around you, insist to help them before it is too late.
So if I come around bugging you about insurance, do not shy away. Because if you are concerned about your family, you will be more than willing to sit down with me and talk: HOW MUCH DO YOU LOVE YOUR FAMILY?"

Credits to the Owner

⚠️ DON'T SAY WE DIDN'T WARN YOU ⚠️

Whatever age you are in, the right time to invest for your financial future is NOW!

Friends and clients ‼️

PSEI, currently at 7,014.04, has already rallied around 8.76% gain over the last month (December 16, 2022 from 6,496.50).😱

Already rebounded at around +22.0% since the start of its bull run (October 03, 2022 from 5,699.30).🤯

Congratulations if you are investing in the PSEI or if you have a VUL fund invest in Growth or Equity Funds! 😍

If we are able to reach our 2022 peak since February 09, 2022 at 7,552.20, that will be an additional 7 to 8 % gain!🥰

What's more exciting? If we are able to get back to our All Time High of 9,078.37 last January 29, 2018, that would be an additional of 28 to 29% gain!❤️

If nag-invest ka since the start of the pandemic, congratulations since naggain ka na ng around 49.0%.

Ofcourse, disclaimer, this is just a mere forecast. Pero nabreak na ng 7,000 level. Ito lang yung nagbreak pero di ka iiyak 😅 We will still observe what will happen but regardless, if magdown ang market, you get to buy at a cheaper price. If tumaas naman ang market, tataas din value ng mga nabili mong shares or units!

Invest na. Invest in Stocks, invest in Growth or Equity Funds. 😋

The science of achieving your goals in 2023:

Monday Motivation

"A little progress every day adds up to big results." -Satya Nani

❤

Saludo ako sa mga magulang na ganito kung mag-isip!