VM Luengo, Sun Life Advisor

Sun Life of Canada Philippines

The CIRCLE OF EXCELLENCE AWARDEES for Top Employer of the Year at the ASIA CEO AWARDS 2024 are:

Ayala Land, Inc.
Bank of the Philippine Islands (BPI)
ConcentrixPhilippines
Foundever Philippines
Gardenia Bakeries (Philippines), Inc.
GCash
Hewlett Packard Enterprise
HSBC Electronic Data Processing Philippines Inc.
IBM in the Philippines - Consulting Client Innovation Center (CIC)
ING Hubs Philippines
Macquarie Group Services (Philippines), Inc.
Magsaysay Maritime Corporation
MicroSourcing Philippines, Inc.
RELX | Reed Elsevier Philippines
Sun Life of Canada (Philippines), Inc.
Wipro Philippines

BUY YOUR TICKETS at https://www.asia-ceo-awards.org/registrations and see them recognized on-stage in front of the nation on October 8, 2024 at the magnificent Grand Ballroom of the Manila Marriott.

*Read this long post kung balak mo bumili ng isang VUL PLAN!*
(Author: Tatiana Cyrile Alvarez-Castro )

Kung gusto mo ng life insurance and you like the idea na posibleng bumalik sayo ang portion ng binayad mo, lahat ng binayad mo, or masmalaki sa binayad mo in the future, GET A VUL PLAN!

Kung gusto mo ng life insurance plan na hindi agad naglalapse pag hirap ka magbayad, GET A VUL PLAN! (As long as there are enough funds to pay for the monthly charges, the life insurance is inforce!)

Do not buy regular pay VUL if your primary goal is to invest because not all the money you put in a VUL plan is invested.

Go for MP2, mutual funds, or other financial instruments with accumulation as the primary intention.

Do not buy because of the fund value projections. They are NOT guaranteed amounts.

They are just estimates.

It can go lower, somewhere in the middle of those projections or higher.

Buy a regular pay VUL because of the INSTANT BIG AMOUNT THAT WILL BE READILY AVAILABLE ANYTIME. (This is a guaranteed amount that will be available as long as the plan is inforce.)

Buy VUL because it is a life insurance plan!

Buy VUL because untimely death is a huge expense that will be shouldered by the ones left behind.

Buy VUL because there are people depending on you.

Buy VUL because this life insurance plan can help your heirs pay for the estate tax.

By the way, since it has an investment component, it can also help you build funds for future goals.

Buy VUL if investing is your secondary goal and not your primary goal because the main goal of a VUL plan is life insurance.

Regular pay VUL has as investment component. In layman's terms, it is PART OF the VUL life insurance plan.

There are monthly charges that are deducted from the fund value. (The projected amounts you see on the proposal assume that the monthly charges are already deducted.)

The fund value projections you see in a VUL proposal are not guaranteed amounts.

The fund value is affected by these:
(1) price per unit
(2) number of units
(3) monthly charges

The monthly charges that are deducted from the fund value to pay for the LIFE INSURANCE, THE INSTANT BIG AMOUNT THAT IS READILY AVAILABLE ANYTIME!

Consider getting a VUL plan dahil may dalawang reality. Untimely death can happen anytime and there is also a possibility na mahaba buhay mo!

Kung sure ka na mahaba ang buhay mo, get pure investments. Pero walang may alam nito.

Dalawa ang reality. Hindi mo alam gaano kahaba or kaigsi ang buhay mo.

If you think that preparing for retirement is logical, also consider getting life insurance.

There is no guarantee that you will reach retirement age but everyone will die.

Remember, death will be a big expense for the people you leave behind. It can also make income stop when the breadwinner is gone.

You know what is really amazing about a regular pay VUL plan?

There is a possibility that the money you will leave your family will be bigger than the original life insurance amount you are paying. (Reason: because there is a fund value!!!)

By the way, there are also other life insurance products available that will match your financial situation, preference, and intention.)

Talk to financial advisors who have mastered the products they selling and you will be amazed at what life insurance can really do.

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𝐓𝐨𝐩 𝐏𝐢𝐜𝐤𝐬: 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞'𝐬 𝐌𝐨𝐬𝐭 𝐏𝐨𝐩𝐮𝐥𝐚𝐫 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐥𝐚𝐧𝐬 ✨✨✨

The question is what is your goal in getting insurance?

If you want:
🟡Plan for your child’s education and guaranteed cash value - SUN SMARTER LIFE ELITE
🟡Insurance plan that generates income and protection - SUN MAXILINK PRIME
🟡Plan that is so much affordable and at the same time will give you maximum protection- SUN LIFE ASSURE
🟡Plan that will cover you from almost all critical illnesses with cash benefits until age 100- SUN FIT AND WELL ADVANTAGE

Plans are created with different GOALS, LIFE STAGES, and NEEDS. If you’re not yet sure which plan you should get, let me help you choose a plan that suits you!

Looking for?
👉Life Insurance
👉Health Insurance
👉Retirement Funds
👉Estate Tax Planning
👉Business Insurance
👉Educational Funds
👉Investment

Drop me a 📩 message and let's find the perfect insurance plan tailored just for you!

𝗦𝗘𝗘𝗡.
𝗠𝗨𝗧𝗘𝗗.
𝗜𝗚𝗡𝗢𝗥𝗘𝗗.
𝗨𝗡𝗙𝗢𝗟𝗟𝗢𝗪𝗘𝗗.
𝗕𝗟𝗢𝗖𝗞𝗘𝗗.

More often than not, our persistency is seen as
‘kakulitan’ because we keep on sending messages asking if you want to avail an INSURANCE policy until you’re not saying no.

Instead of thinking ‘bebentahan nanaman ako nito’ everytime we are trying to reach out, 𝙗𝙚 𝙝𝙖𝙥𝙥𝙮 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙞𝙩 𝙢𝙚𝙖𝙣𝙨, 𝙞𝙣𝙨𝙪𝙧𝙖𝙗𝙡𝙚 𝙠𝙖 𝙥𝙖. That you are still alive, healthy and able.

𝙄𝙩’𝙨 𝙖 𝙧𝙖𝙘𝙚 𝙖𝙜𝙖𝙞𝙣𝙨𝙩 𝘿𝙀𝘼𝙏𝙃, 𝙄𝙇𝙇𝙉𝙀𝙎𝙎 𝙤𝙧 𝘼𝘾𝘾𝙄𝘿𝙀𝙉𝙏 𝙣𝙖 𝙡𝙖𝙝𝙖𝙩 𝙩𝙖𝙮𝙤 𝙩𝙖𝙡𝙤 𝙠𝙪𝙣𝙜 𝙣𝙖𝙝𝙪𝙡𝙞 𝙖𝙠𝙤.

Inuunahan ko sila.
Kaya kinukulit kita.
Unahan natin sila.

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Let me explain insurance in 10 words:

“WHEN I PASS AWAY, MY CHILD WILL BE A MILLIONAIRE.”

When you pass away, who will take care of your child? Who will send them to school? Enough ba ang kita ng asawa mo na maiiwan para suportahan ang mga gastusin sa bahay nang mag-isa na lang?

Mamahalin ba sila ng maiiwanan mo kapag nawala kayong mag-asawa? Pag-aaralin ba sila Hanggang college o mapipilitan magtrabaho ng maaga?

Sino sa mga kaibigan mo ang aampon sa anak mo at pag-aaralin sila ng libre hanggang makatapos, meron ba?

If wala, You have to be INSURED.
You have to protect your child’s future.

Message me to start your own life and health plan today. 📩

10yrs from now you won't remember the things you bought from your salary, but if you already started your Insurance, 10yrs from now, you're done and the future is bright 🌞

YOU PLANT IT the day you sign your insurance application. 🌱

YOU WATER IT by regularly paying for its premium.💧🪣

YOU TAKE CARE OF IT by not letting it lapse, and constantly amending/increasing your coverage.

Several years after, you will see a FULL GROWN TREE. 🌳

A TREE that will give you FRUITS to enjoy (withdrawable fund value and other living benefits) and enough SHADE/SHELTER (death benefit) for your loved ones. 💞👨 👩 👧 👦

Message me for a free financial Planning.🤗

“Happy Fathers Day!”

"𝗬𝗼𝘂𝗿 𝗸𝗶𝗱𝘀 𝗮𝗿𝗲 𝗻𝗼𝘁 𝘆𝗼𝘂𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻. 𝗬𝗼𝘂𝗿 𝗽𝗮𝗿𝗲𝗻𝘁𝘀 𝗮𝗿𝗲 𝗻𝗼𝘁 𝘆𝗼𝘂𝗿 𝗘𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗙𝘂𝗻𝗱."

Being responsible with your personal finances is a whole different level of adulting. Specially when you have kids or family members who are depending on you.

But it's the only sure way to have you prepared for any life set backs, and to secure your love ones' future.

Talk to your trusted Sun Life Advisor today! 📩

Mother’s Love 💗🥰

Start now! Message me so we can partner + plan. 😉

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Ganda no?! 🥰
I brought my children here to play.
450php per child, dahil dalawa sila 900php
Before we play kumain muna kami…
Before umuwi may binili pa kaming bread and school stuff. Sa bawat labas laging may gastos na katumbas.

So what’s my point here?
raising a child is a challenge…👧🏻👶🏻
Maintaining a lifestyle is a different story.

When a provider is there, this may not be a problem…

But what if one day we will be taken out of the picture? What if we are no longer there to provide?

Insurance is not for funeral expenses.
Insurance Money is there to:
-Pay for all the debts
-Settle estate taxes
-love gift for our family so they can continue their life that you’ve always dreamed of giving them.

To parents like us who still have small kids today, our children need our income for atleast 15 years more. May makaka sig**o ba na andyan tayo hanggat kailangan nila tayo? 🤔

Simple math: if your monthly household expense is 50,000 x 12 months = 600,000 per year
Kung may insurance ka na and 2 million coverage then after hospitalization and funeral 2 years income lang probably ang maiiwan for your family.

If you could be guaranteed one thing in life (except our life) what would it be?
For me: GOOD & HAPPY LIFE FOR MY FAMILY.

LET’S PROTECT THEIR FUTURE. PLAN AHEAD!

Talk to your trusted Financial Advisors Today!





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𝐏𝐖𝐄𝐃𝐄 𝐁𝐀 𝐞𝐑𝐄𝐅𝐔𝐍𝐃 𝐲𝐮𝐧𝐠 𝐦𝐠𝐚 𝐍𝐀𝐈𝐇𝐔𝐋𝐎𝐆 𝐬𝐚 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐂𝐎𝐌𝐏𝐀𝐍𝐘❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang 😁☕️

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Happy International Women's Day!

To the strong and bright women, we honor you and all the contributions you made under the sun. ☀

At Sun Life, we are proud that 72% of our Financial Advisors are composed of powerful women who wants to change the world. Together, let's support all women in securing a brighter future. 💛

Happy International Women's Day!

To my Dear Valued Client,

There is no better time than the start of a new year to reflect on our journey together. Thank you for trusting me as your financial advisor and partnering with Sun Life Canada Inc to be a part of your success. Wishing you a prosperous and fulfilling year ahead.

Your Financial Advisor
Viola

YOU worked hard for your dreams.
YOU sacrificed a lot of things.
YOU earned what you deserved.

Kaya naman this coming Christmas Season, give yourself a special gift. A gift for your brighter future.

Let's plan for YOUR future.
Let me help you wrap this special gift for you. 💛

Nagsakit akong heart... 😭😭😭😭😭

Naa ko clients na gipresentan mga year 2017. They were couple. Ang husband is seaman. Akong ginapush jud was life insurance with critical illness plus investments kay mao biya pinaka importante kay wiped out jud ang savings/investments if simbako these uncertainties ma happen. Kay kamulo sila renovate ug house ato na time, dako daw jud ilang need na money for the renovation. So they chose Mutual Funds na lang sa daw and later na sila sa insurance... and they started mutual funds.

And gahapon (nov 20) na shocked ko kay nagkol ang husband na iwithdraw daw niya ang iyaha mutual funds and nakurat kay dli pud siya kadakuan jud. Nag jowk pa gani ko sa akong self "na halaka oi emergency jud g**o ni kaau pero ma borrow man ni sir sa silingan.". And then nagkita mi today. Shocked kau ko kay ang iyang wifey diay nadiagnosed ug lung cancer stage 4 atong september. Kanang medyo hurot jud daw iyang panudlanan.

Naremember pa nako nagkol iyang wifey nov 2018 asking sa mri kay ilang balay is loan amounting to 3M and ask xa if naa ba daw insurance si sunlife for mri. Mao akoa xa gi offeran ug sun safer life but wala na pushed japun.

Ako xa giingnan na "gwapa ra ba to muha wife sir bah". Wala jud ko ga expect kay very healthy jud to xa last year namu na kita."

We really never know. Only God knows...

Maong friends pleeaaasee intawon secure your family. Ayaw hulata na ulahe na ang tanan. 😭😭😭😭

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What I Do:

You might run away or shy away from an advisor but you cannot shield or run away from getting old, getting sick, being in an accident and getting disabled or lets say being in your end game.

"My job as a Licensed Financial Advisor is for you not to beg on PCSO, colleagues, or other family members if you were diagnosed with critical illness,you got disabled or had an accident and you can't work or do your business anymore.

We advisors are teaching you, giving you practical and actual advise which is based on the factual market condition and end your current situation. We also learn continuously to give you the best advise that we can. We specialize in this field. Paying and training at our own time and resources. Please don't think that we only get commissions from you. Because our service is 24/7 lifetime.

We advisors are your friend. We encourage you to make intelligent choices. Please help us help you.

Do something today that your future self would thank you for. 😊

Allocate a portion of your 13th Month Pay for your health/wealth protection and long term goals!

Talk to a Sun Life Financial Advisor today! 💛

"If you have a Goose that lays golden eggs, would you insure the eggs or the Goose that laid them?

To be a wise breadwinner we should make sure that we can provide for the family even if we lose our capacity to do so. In times that we get hospitalized or get really sick, who provides for our family? If we become incapacitated or disabled, who can our family rely on? And if we should pass away suddenly and unexpectedly, who will take care of our family's needs? These are the questions we should make sure that are not left unanswered.Getting insured should be our way of making sure that we and our family are well covered and protected.

Be wise like Friah , she made sure that she partnered with SunLife Philippines. Congratulations and welcome to Brighter Life!!!

If you don't know where to start? Just message me and I can get help you figured out what's the best plan for you!!!!

Ask Me How! Ask Me Now!

If you are a parent looking for a plan to fund your child’s education, then this is for you! 💛

SUN ELITE PESO plan benefits:
☀️ GUARANTEED payouts FOR LIFE
(starts on the 6th year of the plan and every other year thereafter until age 100)
☀️ Life insurance coverage
☀️ Limited payment period
☀️ Dividends & Cash Benefits

Send me a message for more details. 💛

"A cancer diagnosis does not always mean a death sentence if managed properly - but you do need money to finance it."

To all strong women out there, you deserve a health care to protect yourself. 💛

Sun Life offers Sun Fit and Well that covers critical illness such as cancer. To learn more, visit https://sunlife.co/sl-fitandwell.

Read Lace Llanora's story ➡ https://sunlife.co/breast-cancer-awareness

𝐂𝐋𝐈𝐄𝐍𝐓: 𝐀𝐍𝐎 𝐀𝐍𝐆 𝐌𝐀𝐆𝐀𝐍𝐃𝐀𝐍𝐆 𝐊𝐔𝐇𝐀𝐍𝐈𝐍 𝐍𝐀 𝐒𝐔𝐍 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐏𝐎𝐋𝐈𝐂𝐘?

Me: Lahat ng plans ni Sun Life ay maganda, created with different GOALS, LIFE STAGES, and NEEDS.

So, it depends on your goal in getting an insurance.😊

Anuman ang reasons or needs kung bakit gusto mo ng insurance, may suitable Sun Life policy na pwede sa iyo at sa mga loved ones mo. 💛

Ang hanap mo ba ay 𝐚𝐟𝐟𝐨𝐫𝐝𝐚𝐛𝐥𝐞 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?
✅ Sun Safer Life
✅ Sun Start Up
✅ SunLife Assure

or gusto mo ng 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 na 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭-𝐥𝐢𝐧𝐤𝐞𝐝?
✅ Sun Maxilink Prime

pero 𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐩𝐚 𝐚𝐧𝐠 𝐛𝐮𝐝𝐠𝐞𝐭?
✅ Sun Flexilink
✅ Sun Maxilink100

Looking for source of 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐟𝐮𝐧𝐝𝐬 para sa mga anak mo?
✅ Sun Smarter Life Elite (with guaranteed cash benefits)
✅ Sun Dream Achiever
✅ Sun MaxiBright (investment-linked)

Comprehensive 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 that covers 114 critical illnesses?
✅ Sun Fit and Well and Sun Fit & Well Plus/Advantage

Focus on 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 with money back guaranteed feature?
✅Sun First Aid Plus

Kung gusto mo na insured din ang 𝐬𝐞𝐧𝐢𝐨𝐫 𝐩𝐚𝐫𝐞𝐧𝐭𝐬 𝐚𝐧𝐝 𝐠𝐫𝐚𝐧𝐝𝐩𝐚𝐫𝐞𝐧𝐭𝐬 mo?
✅ Sun Senior Care

Kung gusto mo na insured ang female family members nyo na specific sa 𝐟𝐞𝐦𝐚𝐥𝐞 𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐚𝐧𝐝 𝐦𝐚𝐭𝐞𝐫𝐧𝐢𝐭𝐲 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬?
✅ Sun Maiden / Sun Maiden Plus

Insurance na pwedeng gamitin as 𝐌𝐑𝐈 (𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐝𝐞𝐦𝐩𝐭𝐢𝐨𝐧 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞) sa bahay or condo na kinuha mo o kukunin pa lang?

at marami pang iba!

If you're not yet sure which plan you should get, let me help you choose the plan that suits you.

Let us start your financial plans, message me for FREE

VIOLA MAY V. LUENGO
Licensed Financial Advisor
09272104293

𝕊𝕒𝕒𝕟 𝕒𝕒𝕓𝕠𝕥 𝕒𝕟𝕘 ℙ𝟜𝟝𝟙.𝟘𝟘 𝕞𝕠?

𝐏𝟓𝟎𝟎,𝟎𝟎𝟎 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐟𝐨𝐫:
🩺 36 𝘊𝘳𝘪𝘵𝘪𝘤𝘢𝘭 𝘐𝘭𝘭𝘯𝘦𝘴𝘴 (𝘊𝘐) 𝘤𝘰𝘯𝘥𝘪𝘵𝘪𝘰𝘯 𝘤𝘰𝘷𝘦𝘳𝘦𝘥
💵 𝘖𝘯𝘦-𝘵𝘪𝘮𝘦 𝘤𝘢𝘴𝘩 𝘣𝘦𝘯𝘦𝘧𝘪𝘵 𝘶𝘱𝘰𝘯 𝘥𝘪𝘢𝘨𝘯𝘰𝘴𝘪𝘴 𝘰𝘧 𝘢𝘯𝘺 𝘰𝘧 𝘵𝘩𝘦 𝘤𝘰𝘷𝘦𝘳𝘦𝘥 𝘊𝘐 𝘤𝘰𝘯𝘥𝘪𝘵𝘪𝘰𝘯𝘴
👪 𝘚𝘦𝘤𝘶𝘳𝘪𝘵𝘺 𝘧𝘰𝘳 𝘺𝘰𝘶𝘳 𝘭𝘰𝘷𝘦𝘥 𝘰𝘯𝘦𝘴 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦 𝘭𝘪𝘧𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘣𝘦𝘯𝘦𝘧𝘪𝘵

𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐥𝐲 𝐩𝐫𝐨𝐭𝐞𝐜𝐭 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟 𝐟𝐫𝐨𝐦 𝐚 𝐬𝐞𝐫𝐢𝐨𝐮𝐬 𝐢𝐥𝐥𝐧𝐞𝐬𝐬.

𝔸𝕤𝕜 𝕞𝕖 ℍ𝕆𝕎, 𝔸𝕤𝕜 𝕞𝕖 ℕ𝕆𝕎 📩

(𝘚𝘦𝘦 𝘴𝘢𝘮𝘱𝘭𝘦 𝘤𝘰𝘮𝘱𝘶𝘵𝘢𝘵𝘪𝘰𝘯𝘴 𝘣𝘦𝘭𝘰𝘸)

PROJECT MUSHROOM:

A Financial Planning Session for Teachers.

Thank You ! Teachers of Butay Integrated School 💛

📍Talaingod