Marlon Echano

This page suddenly just got deactivated. Praise God I was able to access it today! We'll make sure that all my financial posts and update will be posted here. Thank you! :-)

Ang sarap pagmasdan na yung mga clients mo unti unti silang nakakaipon at habang nag-iipon may peace of mind sila.

Insurance - 4 Million
Disability - 1 Million
Accidental Death and Disablement - 1 Million
Critical Illness - 1 Million
Hospital Income - 3,000/ day

Insured na siya at the same time may funds pa na pwedeng withdrawhin kapag kailangan nila.. 2.5 years palang yan pero malaki na ang growth ng fund. Thank you Lord!

Sa mga gusto pong matutunan ang Insurance Investment PM lang po kayo sa akin para maschedule ko po kayo.

For
📌Retirement Planning
📌Protection Planning
📌Educational Planning
📌 Business Expansion Plan
📌 Investment Plan
📌 Future Travel Plan

Available po ako Wednesday to Saturday. PM lang po for scheduling. Consultation is free! God bless you! 🥰

𝑳𝒊𝒇𝒆 𝑪𝒍𝒖𝒃 𝑸𝒖𝒂𝒍𝒊𝒇𝒊𝒆𝒓 ⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐

I’ve been super busy these past few weeks to even realize that I became part of the Life Club Qualifiers. 🤩🏆

⭕️ 𝐋𝐈𝐅𝐄 𝐂𝐋𝐔𝐁 is a regional recognition platform for the best and consistent financial consultants in the industry of PRU LIFE UK in the entire ASIA. This award is given to few financial consultants who consistently provide adequate protection and investment plans to their clients.

1 star is equivalent to 1 quarter of consistently securing lives. Achieving 12 stars really mean a lot to me. This means that I've been trusted by a lot of clients in their financial plan. 🥲

This International Award is for my family and for my dearest clients, thank you for trusting and helping me share and secure more lives.✨To a lifetime partnership with y'all.🎉🙌🏻

Above all, I bring back the glory and praises to God who gave me wisdom in what I do. Apart from You, I can do nothing! To God be all the glory! It's only by Your grace!

IS LIFE INSURANCE IMPORTANT?

Ask a widow.
Ask an orphan.
Ask a relative of a cancer patient.
Ask someone who has a critical illness.
Ask someone who was involve in an accident.

The first step towards getting somewhere is to to DECIDE that you are not going to stay where you are!

PM me for details.

This morning, I checked the policy of one of my clients in 2019!

She has the following coverages:

Insurance: 2 Million
Critical Illness Coverage: 1 Million
Disability Benefit: 1 Million
Accidental Death and Disablement : 500k
Daily Hospital Income: 3k/day

Her projected fund value for 3 years is just 84,000.

I'm so excited to deliver this message to her. It's not 84,000 it is P130,499.77!!!! 🤩🤩🤩

Kahit mahirap, inilalaban nya para sa pangarap! Ganyan ang VUL or Unit-Linked Investment, Insured ka na, may withdrawable fund pa!!

Congratulations to my very wise investor!!

Hindi mahirap kumuha ng VUL, mas mahirap ang magkasakit na walang pampagamot at tumanda na walang retirement. You can start your VUL plan for as low as P1500/month.
Please send me a direct message for a tailored-fit policy for you! Consultation is free!

MARLON T. ECHANO
Licensed Financial Consultant
Asst. Unit Manager, Prulife UK
09057289270

Kahit gaano kataas ang pangarap kung wala kang gagawin hindi mo ito maaabot!

Let me help you reach your financial goals! Matutulungan kayo ng Prulife UK!

Marlon T. Echano
AUM, PruLife UK
CEO, Royal Knights
Licensed Financial Consultant

(cartoon credits to: Vanella)

Faith, Trust, Hope, Confidence, Love, and Attitude! 🥰

Here's for a good start!

Credits: The Business Hacks

IMPORTANT CONCEPTS IN FAMILY'S FINANCE
by: Sir Caleb

FAMILY A - Husband and wife have a combined income of P100,000 per month but spend more than P100,000 in basic needs and luxuries they are still poor. BUDGETING IS IMPORTANT.

FAMILY B - Husband and wife have a combined income of P40,000 per month and spend only P35,000 for basic needs and recreation they are wise. SAVING IS IMPORTANT.

FAMILY C - Husband and wife have a combined income of P20,000 per month but spend only P10,000 for basic needs because they have homegrown vegetables they are wise. PLANTING IS IMPORTANT.

FAMILY D - Husband and wife have a combined income of P30,000 but have 6 children to feed they will still be considered poor if they will spend P30,000 in basic needs. FAMILY PLANNING IS IMPORTANT.

FAMILY E - Husband and wife have a combined income of P30,000 per month and spend only P20,000 for basic needs and the rest are all invested into real estate they are wise! INVESTMENT IS IMPORTANT.

FAMILY F - Husband and wife have a combined income of P30,000 per month and spend P29,000 for basic needs, recreation, studies, etc. They started selling banana que on weekends. OTHER SOURCE OF INCOME IS IMPORTANT

FAMILY G - Husband and wife have a combined income of P100,000 per month and spend P80,000 for basic needs and luxuries. They have house on their own inherited from the parents of the husband. They received monthly support of P20,000 from the parents of the wife. They also inherited a small business. PRIVILEGE MATTERS.

FAMILY H - Husband and wife have a combined income of P10,000 per month, and spend everything for basic needs and other expenses. They are content and happy. WEALTH IS A STATE OF MIND

FAMILY I - Husband and wife have a combined income of P30,000 p*e month and spend P25,000 for basic needs and other expenses. The rest are allocated for Insurance Investment and Recreation. LIFE INSURANCE IS IMPORTANT.

If a critical illness or death comes upon the husband or wife only FAMILY I will survive. FAMILY G might be able to make it. Savings might not be enough to cover medication costs. Your vegetables in the garden will not suffice for the bereaved family to survive. Real estate will be sold at a lower price due to emergency. Even if you think you are contented, your mind will not be at peace if there is no enough money for medical bills. See, these concepts are all important. Just know what to prioritize. Even the privilege needs it! You protect your loveones! Insurance will save you and your family!

If you want to know more regarding Insurance with Investment on it send me a direct message.

MARLON "Caleb" ECHANO
Licensed Financial Consultant
Assistant Unit Manager/ RA Financial
CEO, Royal Knights

Unconditional Love of a Parent - Breaking The Chains of Poverty

Remember your Children are not your Retirement Fund.
Be Financially Independent.. Do not RELY on your children.

Plan for your future and retirement and only have children that you can afford.

Your Children will help you if they really want to (unconditionally).
Do not pressure or give an obligation to your children a responsibility that you yourself are not able to establish.

Let your children have the life that they deserve and do not expect anything in return.

While our children can help us, it should be done voluntarily and not as an obligation. By then, our children will have their own families to look after. We owe it to ourselves to maintain our DIGNITY despite sickness and old age.

Remember
As children, you do it out of gratitude not obligation...
As parents, you receive with gratitude rather than entitlement...

Stop the cycle. Stop this toxic Filipino culture.

As Elon Musk said: “My children didn’t choose to be born, I chose to have children. They owe me nothing, I owe them everything.”

credits to: Ang Pera ni Juan

Break the cycle! Be a responsible parent! If you are single, start your savings and retirement plan now!

PM me for details!

I will remain connected no matter what....

I can't make it to Conrad Hotels now to receive my award as a National Achiever for the 2nd time around but I am glad for the recognition of Prulife UK! Thank you to all my mentors and to my clients for the trust! Congratulations also to my colleagues who made it to the Achievers Club! To God be the glory!! 🥳🎊👏🎉

Don’t lose your savings to hospitalization fees. Ensure that your family is protected against medical bills with PRUWellness! Reach out to me and let’s get you started!

New to Insurance? Get a plan that fits your needs and your budget with PRULife Your Term! Reach out to me and let’s get you started!

Build wealth little by little! 😊

Pag Ibig MP2 will distribute 5.66% dividends.

Mga ka-ipon, ito goal natin this year!
Let's grind and build wealth while taking care of our health and spiritual life !

CONVO WITH A CLIENT: 🤝

Client: Maganda naman ang Life Insurance, bakit konti lang naniniwala at meron nyan? Mag-present ka nga sa friends and officemates ko.

Me: Kasi Sir, Insurance is not tangible. It is just a piece of paper. Hindi mo sya pwedeng ipakita basta basta. Hindi sya pwedeng ipagmalaki tulad ng:

"May bagong bahay ako sa Camella village"

"Kumuha ako ng 3-bedroom unit with 2 parking slots sa BGC."

"Approved na yung bank loan ko para sa Toyota Vios. Next week ko maiuuwi."

"Finally recontracting na ako sa Globe. Kukuha ako ng iPhone 11 Pro."

"Grabe ang ganda ganda sa Japan. Ito pictures namin sa cherry blossoms, Disneyland, Universal Studios, Kyoto at Osaka.“

"Nag-open kami ng franchise ng Potato Corner sa mall. Sa school ni Junjun mag Gong Cha franchise naman kami."

Insurance are none of those things.

You cannot simply brag to your friends that you have a 4M death benefit, plus 2M accidental death, 2M disability benefit, 2M critical illness benefit, and more. You cannot also mention that your parents or relatives acquired a 10M, 20M, or 50M life insurance coverage to prepare for their estate planning, retirement, and wealth transfer.

Pero alam nyo ba sir ano talaga difference ng insurance companies sa ibang bagay o bangko?

It is a piece of paper na kapag may sakuna will read,

"We owe you money" instead of it saying "You will owe us."

We generate revenue not debt. ✅💯

Cars, gadgets, appliances will be outdated and get obsolete one day, but your VUL will appreciate over time. ⏳💰

The earlier you save, the wealthier you will become. 🔜👌

Message me on how to start...🙋🏻‍♀️💬

Let's celebrate!
Protected 26 families and counting....

Financial Education is not for everyone, it is for the people with open heart and open mind. It is for the people who wants improved behavior. Because finance is behavioral.

May mga nagtanong sa akin, bakit daw di namin inienjoy ang kinikita namin at puro kami Insurance at Investment. Dapat daw ineenjoy ang pera habang bata pa dahil pag tumanda na daw kahit gusto mo magtravel hindi mo na maienjoy.
Here’s my very long answer.

Una sa lahat, yung YOLO at yung pagenjoy ng sobra sobra at wala kang paghahanda sa future ay mali din. Bakit? Kapag tumanda ka tama ka naman na kahit gusto mo mag enjoy limited na lang dahil mahina na ang katawan. Pero tandaan mo rin na kapag matanda ka na maaaring hindi mo na kayang magtrabaho at kumita ng katulad ng kinikita mo ngayon. Kanino ka aasa pagtanda mo? Ipapasa mo ang burden sa anak mo? Nagplano ka ba ng retirement mo? Sabihin nating umabot ka ng age 60, may tatanggap pa ba sayo sa trabaho kahit gusto mo? Anong plano mo? Magtrabaho ka until age 75? Tandaan po natin na hindi naibabalik ang edad, ayaw naming mag-asawa na dumating kami sa age 60 at sisisihin namin ang aming mga sarili na hindi kami nag-ipon nung bata pa kami.

Pangalawa, naniniwala kami sa delayed gratification. Delay of gratification is the act of resisting an impulse to take an immediately available reward in the hope of obtaining a more-valued reward in the future. The ability to delay gratification is essential to self-regulation, or self-control (ginoogle ko ang meaning). So hindi ibig sabihin na afford mo ang isang bagay gastos ka lang nang gastos. Halimbawa, kung afford mo manood ng sine twice a week for P500. Ibig sabihin nun P2,000 every month. Ibig sabihin nun 24k every year. May mga tao na mas pipiliin na huwag magsine for 4 years para makabili siya ng sarili nyang 84” TV. Another example, kahit gustong gusto ng tao na magkape sa Starbucks na Caramel Macchiato for P195 3x a week, hindi siya magkakape doon for 4 months. So maiipon nya yung P585/week or P2340/month. Sa loob ng 4 na buwan makakapag-ipon siya ng P14,040 which is enough for him to buy his own quality spresso machine na buong family pa niya ang makikinabang. Sa mga kabataan naman, pwede naman talaga siya manood ng Kdrama a night before the exam pero mas pinili nyang magreview para after exam mas relax syang manood ng Kdrama. Masarap ang delayed gratification kung nauunawaan mo kung alin ang mas matimbang. Inapply ko ito sa buhay ko, kaya nga yung relong gamit ko binili ko lang sa bangketa sa Cubao for P150 pesos nagamit ko ng three years, kaya ko naman noon na bumili ng mamahaling relo pero ang kailangan ko lang naman ay makita ang oras, I don’t need to impress anyone on this. Ngayon na nasira na siya saka ko lang napalitan ng worth 4k na relo. Maraming application ang delayed gratification, depende na lang paano mo iaapply sa buhay.

Pangatlo, kaya nga importante ang budgeting. May budget sa Insurance and investment, sa pagkain, sa gasolina, sa groceries, sa mga bills, sa recreation, etc. Bakit palaging may budget sa recreation? Kasi para hindi ka lang ipon nang ipon at mastress sa mga bayaran every month. May budget kami recreation kahit maliit lang at least once or twice a month nakakapagdate or nakakapaglakwatsa kami. Hindi namin kailangan na magarbong magarbo ang budget.. Travel sa ibang bansa or whatsoever. Bakit? Hindi kami mayaman, alam lang naming kung ano ang priorities naming sa buhay. Sa foodcourt nga lang sa SM kami last week kumain lang ng HongKong style noodles at isang order ng grilled porkchop. Ok na sa akin makapamingwit ng isda at ok naman sa asawa ko makapagdate kami kahit once a month. Kapag nasa budget hindi ka magiguilty na gumastos.

Pang-apat. Mali ang pakaintindi mo sa enjoyment. Kung ang enjoyment mo ay magtravel nang magtravel, kumain nang kumain sa labas, magfeeling rich all the time. Ok lang yun. Afford mo eh. Kami naman ang enjoyment namin ay makita na lumalago ang aming mga investment. Yung binili naming lupa tumataas na ang value. Yung investment namin with Insurance mataas na rin ang funds. Nag eenjoy kami na kaming dalawa ay nag-uusap late night para ayusin ang budget namin. Nag-ienjoy kami na unti unting natutupad ang mga pangarap namin kahit pakonti konti. Oo masaya kami na magtravel at kumain sa labas pero dapat pasok sa budget at hindi yun ang priority. Ang una is mabayaran ang mga policies namin at bills. Mas nag eenjoy kami sa mga bagay na long term naming pakikinabangan.

Panlima. Mali din ang pakaintindi mo sa Insurance. Ang Insurance ay isa sa nagbibigay sa amin ng peace of mind. Bakit? Kasi kung mamatay ako nang maaga hindi ko kailangang bumangon sa hukay para abutan ng pera ang pamilya ko. Alam ko na makakatapos ng pag-aaral ang anak ko kahit kunin ako ni Lord nang maaga kasi pinaghandaan namin ang educational plan nya at pinaghahandaan ko rin ang pagkamatay ko. Bakit? Kasi lahat tayo darating doon. Pero paano ang maiiwan mo? Lalo na kung breadwinner ka, kapag nawala ka paano ang mga umaasa sayo. Baka sobrang problemahin pa nila ang kabaong at paglilibingan mo. Realtalk , uso ito sa Pinas. Kung ako ay maospital at hindi makapagtrabaho babayaran ng Insurance ang kita ko sa bawat araw na nasa ospital ako. Kung ako ay madiagnose ng cancer, mastroke, or kahit anong critical illness hindi mamomroblema ang pamilya ko kung saan kukuha ng pampagamot dahil may Insurance ako na kayang magbigay ng ilang milyon na coverage ko. Oh ayos diba. Bakit ang dami naming Insurance Policy? Kasi bukod sa kamatayan at pagkakasakit pinaghandaan ko rin ang travel, education, at retirement namin. Ang Insurance Investment ay hindi lang para proteksyunan kami kundi may investment din. May funds kami na lumalago and take note, compounding po siya at mas mataas ang growth compared sa mga banks. In short, magkasakit, mamatay, madisable, maospital may pera pa din. Paano kung hindi mangyari ang mga ito? Okay lang may pera pa din na lumalago. Kung ayaw mo sa Insurance okay lang, basta wag mo lang kaming pagmukhaing sinasayang namin ang pera namin, dahil para sa amin, PruLife Uk is the best! 😊

Lastly. Ilang taon ka na kumukuha ng 13th month sa trabaho, napaghandaan mo ba retirement mo? Kung hindi ang sagot mo at sarado ang isip mo sa Insurance Investment, go enjoy life! Buhay mo naman yan eh. Pero kung bukas na ang isip mo dahil sa mga sinabi ko. Tara usap tayo, sagot ko ang kape, nasa budget yan! 😊

4 Reasons Why Planning for Retirement is Important

1. SSS/GSIS is not enough - it will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on SSS/GSIS alone.

2. INFLATION - Your 1 peso right now will have lesser value in the future.

3. OUR KIDS are not our retirement fund - part of pagtanaw ng utang na loob culture. We need to break this culture of dependency. Let us not be a burden to our kids in the future. Hindi dapat tayo umasa sa ating mga anak sa hinaharap.

4. WE LIVE LONGER - Imagine retiring at the age of 60 with no income then living until the age of 80,that's 20 years worth of expenses,60 years old too far to imagine right? How about about taking a vacation for a month with no SALARY?

Let us not depend on our Company's retirement benefit. What if you lose your job or your company go bankrupt?

Learn how money can work for you.
Message is the key💬💬

Money : "Save me now, I will save you in the future!"

Two years ago when I was just starting as a financial advisor I approached 220 people to help them in financial planning so I started with my relatives, friends, and colleagues. Out of this 220 I got 102 seenzoned, 56 said no, 38 said that they were not ready yet, and 24 set an appointment with me. I discussed everything about the importance of financial planning specially having adequate insurance and choosing the right fund suited on their risk appetite. I created sample proposals and prepared quotations based on their budget. Out of these 24 people who set an appointment with me only 6 people pushed through with their VUL investment.

Only 6 people trusted me when I was just starting in Prulife UK! And this humble beginning encouraged me to do better. Hindi ko na ikukwento yung masasakit na salita na narinig ko sa ibang tao nung nagsisimula palang ako. Ok lang magdecline pero yung maliitin ka at pagsabihan ng di maganda is really foul. Did I dwell on that? No. I changed my approach, it still didn’t work out. I decided to enroll and spent a lot of money into trainings, I spent a lot of time studying in Youtube, I listen to a lot of podcasts, I took notes from the great speakers, I allocated time for mentoring, I called a lot of tenured and rookie agents who do well in this business. I stopped my Masters degree for a year so I can focus in learning this craft.

Two years later, here I am now still continuing to learn but I am already enjoying the financial freedom I dreamt of when I was just starting. Why am I sharing this? I want you to understand that you should not expect people to believe you immediately. Most of them wanted to see results first. But those who trusted you even you do not have results yet are your most valuable clients. The level of trust they put in you is something. That is gold! You need to improve and do your best for them.

Huwag kang maghinanakit sa mga taong inayawan ka at hindi ka pinili. I tell you maraming taong nagtanong sa akin pero sa iba kumuha ng kanilang policy pero after kumuha sa iba sa akin ulit nagtanong. Sakit diba? I still entertain them. Why? Because it is no longer about me, it is about them who want proper guidance. Marami pa akong gustong sabihin pero ito talaga ang focus ko on this post. I want to show you the policy of one of my first clients in Pru.

This person has

INSURANCE – 3 MILLION
ACCIDENTAL DEATH AND DISMEMBERMENT – 1 MILLION
TOTAL PERMANENT DISABLITY – 1 MILLION
CRITICAL ILLNESS COVERAGE – 1 MILLION
DAILY HOSPITALIZATION – 3,000

Aside from the fact that this person is Insured. I checked the fund value of the policy and I was really surprised!! In two years time it is now at P87,000 which is almost double of the projected fund value of P46,000.

See the difference??? When people decline you, it is not your loss, it’s actually theirs, just continue to do better and always be grateful to God for it is Him who gives us the ability to produce wealth.

Trust is gold. Choose Pru!

Your friendly Financial Advisor,
-Sir Caleb

Update ASEAN Economic Outlook ( October 2021 )

Review:
- Almost all ASEAN Countries have a positive increase except for Myanmar, which experiencing a rapid decline.
- Singapore is back on track again with an increase of 6.03%.
- Project increase for Thailandis not very high at 0.96%, however, this does not shift its position on the 2nd ladder, as well as in Indonesia which is very far away in GDP
– The Economic GDP figures between the Philippines, Singapore, Malaysia and Vietnam are very close and it has a possibility that there will be overtaking between these Countries but only the Philippines has a stable Economic Outlook and it will remain on its 3rd ladder.

Whatever it is, hopefully for the best ASEAN Economy in the future!

Source: International Monetary Fund ( IMF )
Graphic : Seasia.co

- Julian

Happy Teachers Day sa lahat ng mga g**o! Ang pinakamagandang regalo sainyo ay iinsure ang inyong sarili! Laban para sa pamilya! Mabuhay ka! 🥰

Finance is 10% skill and 90% behavior.

Start your Insurance Investment now, no medical required. Send me a message for more details.

MGA DAPAT TANDAAN SA PAGKUHA NG INSURANCE INVESTMENT

1. Alamin ang background ng company (Financial Position, Fund performance, Claims History, etc.) Importanteng alam mo ang kalagayan ng company na kukunan mo ng Insurance Investment. Ganito lang yan kasimple hindi mo basta ipinagkakatiwala ang pera mo sa kung kani kanino lang. Do your research maraming Insurance Companies dyan na sobrang stable.

2. Pumili ng advisor na hindi ka iiwan. Yung advisor na hindi nawawala after 2 years lang na kumita. Being a financial advisor is a calling, lampas pa ito sa habambuhay na commitment. Kasi kahit mamatay na ang client, si advisor pa rin mag-aasikaso ng claims nya. Piliin ang advisor na matutulungan ka sa appropriate plans for you, yung maiintindihan ka kung saan ka nanggagaling. Maraming nagkamali dito dahil after sila mabentahan hindi na makontak si advisor. Choose someone na seryoso sa profession na ito, yung hinding hindi bibitaw! Kung may nakuha ka na trusted mo good for you, next step is magrefer ka ng kakilala mo na gusto mo ring tulungan makapagsecure ng kanyang family.

3. Magcompute ka ng budget mo. Dapat hindi macompromise ang lifestyle mo sa pagkuha mo ng Insurance Investment. Maliban na lang na ang financial goal mo ay mas matimbang kaysa sa lifestyle mo. Importante na alam mo kung anong kaya mo.

4. Alam mo dapat sa sarili mo kung bakit ka magsisimula ng Insurance Investment. Ano ba talaga ang financial goals mo? Gusto mo ba ng protection lang or gusto mo ng retirement planning. Alam mo dapat ang bagay na ito kasi kung nag-iipon ka tapos walang kang goal kapag kumita ang funds mo wiwithdrawhin mo lang ito at magagamit sa mga bagay na di mo napagplanuhan. Kung kailangan mo ng further explanation kung bakit kailangan alam mo ang financial goal mo consult your financial advisor.

5. Kung decided ka na magsimula ng Insurance Product na kukunin mo alamin mo ang pros and cons ng product na ito. Tandaan na lahat ng investment ay may risk. Maraming nagkamali sa part na ito kasi hindi nila inaral at yung advisor hindi rin inaral.

6. Alamin mo kung ano ang risk appetite mo. Katulad ng nasabi ko kanina lahat ng investment may risk. Kung wala yang risk scam yan sigurado. Importante na malaman mo na the higher the risk the higher the returns. Bakit ko sinasabi ito? Kasi sa Insurance Investment ikaw ang mamimili kung saang funds mo ilalagay ang pera mo. Tama ang basa mo! Hindi ka lang insured, may funds ka pa na lumalago depende sa performance ng funds na napili mo. Siyempre dapat sakto ang fund sa risk appetite mo.

Marami pang mga dapat iconsider sa pagkuha ng Insurance Investment mas maiexplain ko ito sayo kung magseset ka ng appointment. Just send me a direct message, I will be more than happy to assist!

Marlon T. Echano, LPT, CIA, AFP
Assistant Unit Manager - Royal Knights
Prulife UK/ RA Financial
🏆8-star International Life Club Pro Awardee
🏅Core Producer 2020
🏅National Achievers Club (Senior Achiever) 2020
🏅RA Financial Top 3 Rookie 2020
🏅RA Financial Top 4 Agent 2020
🇦🇺Protection Drive Qualifier 2020 -Australia
🏅National Achiever 2021