Joanna Santos

05/04/2025

Build your Emergency Fund today 🔆

12/11/2024

𝑾𝒉𝒚 𝒅𝒊𝒅 𝑰 𝒑𝒓𝒊𝒐𝒓𝒊𝒕𝒊𝒛𝒆 𝒍𝒊𝒇𝒆 𝒂𝒏𝒅 𝒉𝒆𝒂𝒍𝒕𝒉 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒊𝒏 𝒎𝒚 20’𝒔?

I learned the concept of paying yourself first and protecting your income!

📌 𝑷𝒂𝒚 𝒚𝒐𝒖𝒓𝒔𝒆𝒍𝒇 𝒇𝒊𝒓𝒔𝒕 means setting aside a small amount of money para sa future. For me it’s 10% of my income + 50% of my bonuses at work. Madami pala responsbility habang tumatanda kaya i’m glad nagsimula ako ng maaga.

We often interpret this concept as spending all your money on things that you deserve like the latest gadgets, luxurious travel and eating out in fancy restaurants. While nothing is wrong with this, ginawa ko din lahat yan, Check nyo pa sa facebook albums ko 😂 but don’t forget to save money for your future, ideal is 10-20%. That’s what Pay yourself first means.

📌 𝑷𝒓𝒐𝒕𝒆𝒄𝒕𝒊𝒏𝒈 𝒚𝒐𝒖𝒓 𝒊𝒏𝒄𝒐𝒎𝒆 means getting ready
for life’s emergencies. Sickness, Accident or Death.

For me, protecting my income means kapag nagkasakit ako, hindi pwedeng bawasan ko ang ipon ko, insurance should always pay for my hospitalization first. Kaya I invested a lot on life and health insurances.

Imagine, mag iipon ka ng millions para sa pangarap mo then dadalhin mo lang sa hospital when you get sick? No way!

Life & Health Insurance is a life hack that I learned very early in life. I wish you also spend time studying the benefits and advantages of having one.

Message me if you want a free financial planning.

27/09/2024

Any question on yout VUL? Message me :)

01/07/2024

I have reached 500 followers! Thank you for your continued support. I could not have done it without each of you. 🙏🤗🎉

28/04/2024

I've just reached 500 followers! Thank you for continuing support. I could never have made it without each one of you. 🙏🤗🎉

18/04/2024

Join our career orientation this Saturday at 10AM via Zoom. Send me a message :)

26/03/2024

Earned a few thousand because of my stocks with Metrobank. 🥰

Alam mo ba na merong 2 ways to earn from the Stock Market?

📌Dividend Earning, to simply explain this para kang may apartment na pinaparentahan. Yung renta, ito yung dividend mo. Wala ka ginagawa, pero kumikita yung pera mo dahil may “apartment ka”’or in this case dahil may “stocks” ka. As long as profitable ang company, you can receive dividends from them.
📌Capital Gain, to simply explain this, para kang may apartment, pero this time ibebenta mo na siya. Kung nabili mo siya ng 1M and nabenta mo ng 2M, meaning may gain ka na 1M. Para kang nasa buy and sell business, pero in this case, stocks of a company yung binibili at binibenta mo.

I am not an expert but that’s how I understand it. If you want to start investing pero super konti lang ang time mo, message me. We have Sun Life Products available for you 😉

15/02/2024

𝑰 𝒑𝒂𝒔𝒔𝒆𝒅 𝒕𝒉𝒆 𝑷𝒉𝒂𝒔𝒆 1 𝒐𝒇 𝑪𝒂𝒑𝒊𝒕𝒂𝒍 𝑴𝒂𝒓𝒌𝒆𝒕 𝑷𝒓𝒐𝒇𝒆𝒔𝒔𝒊𝒐𝒏𝒂𝒍 𝑬𝒙𝒂𝒎 𝒓𝒆𝒈𝒖𝒍𝒂𝒕𝒆𝒅 𝒃𝒚 𝒕𝒉𝒆 𝑺𝒆𝒄𝒖𝒓𝒊𝒕𝒊𝒆𝒔 𝒂𝒏𝒅 𝑬𝒙𝒄𝒉𝒂𝒏𝒈𝒆 𝑪𝒐𝒎𝒎𝒊𝒔𝒔𝒊𝒐𝒏.

More investment options for my existing and future clients soon 🥂

Ipapasa natin ang Phase 2 para sa brighter future nyo. ☀️

07/02/2024

𝑾𝒉𝒂𝒕 𝒊𝒇 𝒐𝒏𝒆 𝒈𝒂𝒎𝒆 𝒄𝒂𝒏 𝒄𝒉𝒂𝒏𝒈𝒆 𝒚𝒐𝒖𝒓 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒍𝒊𝒇𝒆 𝒇𝒐𝒓𝒆𝒗𝒆𝒓?

See how this game has changed lives, built agencies, and led to the creation of wealth-generating assets. Yours could be the next success story!

06/02/2024

𝗘𝘁𝗼 𝘆𝘂𝗻𝗴 𝗣𝗟𝗔𝗡 𝗻𝗮 𝗽𝗮𝗿𝗮 𝗸𝗮𝗻𝗴 𝗺𝗮𝘆 𝗔𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁:
Through Guaranteed Cash Benefit Until Age 100! 😍

👉𝟲𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝟴𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝟭𝟬𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝟭𝟮𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀

𝗨𝗻𝘁𝗶l 𝗮𝗴𝗲 𝟭𝟬𝟬!

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻 𝗻𝗮 𝗽𝘄𝗲𝗱𝗲 𝗺𝗮𝗴 𝗯𝗶𝗴𝗮𝘆 𝗻𝗴 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗰𝗮𝘀𝗵 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝗻𝗮 𝗽𝘄𝗲𝗱𝗲𝗻𝗴 𝗴𝗮𝗺𝗶𝘁𝗶𝗻 𝗮𝘀 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝘂𝗻𝗱 𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱 𝗮𝗻𝗱 𝗮𝘁 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗶𝗺𝗲 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱 𝗸𝗮 𝗷𝘂𝘀𝘁 𝗶𝗻 𝗰𝗮𝘀𝗲 𝗺𝗮𝘆 𝗺𝗮𝗻𝗴𝘆𝗮𝗿𝗶 𝘀𝗮𝘆𝗼?

𝗧𝗼 𝗵𝗲𝗹𝗽 𝘀𝗲𝗰𝘂𝗿𝗲 𝗯𝗿𝗲𝗮𝗱𝘄𝗶𝗻𝗻𝗲𝗿𝘀 𝗽𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝘂𝗻𝗱 𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱, 𝗼𝗻𝗲 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗜 𝗿𝗲𝗰𝗼𝗺𝗺𝗲𝗻𝗱 𝗶𝘀 𝗦𝘂𝗻 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗘𝗹𝗶𝘁𝗲 𝟭𝟬!

✅𝗚𝗿𝗲𝗮𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗸𝗶𝗱'𝘀 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝘂𝗻𝗱 𝗳𝗿𝗼𝗺 𝟬 𝘁𝗼 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀 𝗼𝗹𝗱.
✅𝗠𝗮𝘆 𝗰𝗵𝗼𝗶𝗰𝗲 𝗸𝗮 𝗻𝗮 𝗶𝗹𝗶𝗽𝗮𝘁 𝘀𝗮 𝗮𝗻𝗮𝗸 𝗺𝗼 𝗮𝗻𝗴 𝗰𝗮𝘀𝗵 𝗯𝗲𝗻𝗲𝗳𝗶𝘁.
✅𝗛𝗮𝗻𝗴𝗴𝗮𝗻𝗴 𝗺𝗮𝗴𝗸𝗮 𝗮𝗽𝗼 𝗸𝗮, 𝗺𝗲𝗿𝗼𝗻 𝗸𝗮 𝗽𝗮𝗿𝗶𝗻 silang 𝗺𝗮𝗸𝘂𝗸𝘂𝗵𝗮.
✅𝗕𝗮𝗴𝗮𝘆 𝗻𝗮 𝗯𝗮𝗴𝗮𝘆 𝘀𝗮𝘆𝗼 𝘁𝗼 𝗸𝘂𝗻𝗴 𝗴𝘂𝘀𝘁𝗼 𝗺𝗼 𝗻𝗴 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁 𝗯𝘂𝘁 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗿𝗲𝘁𝘂𝗿𝗻.
✅𝗔𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲𝗹𝘆, 𝗽𝘄𝗲𝗱𝗲𝗻𝗴 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱
✅Paying 𝗽𝗲𝗿𝗶𝗼𝗱 𝗶𝘀 𝟱 𝗼𝗿 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀
✅𝟴% 𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 𝗼𝗻 𝘁𝗵𝗲 𝟲𝘁𝗵 𝘆𝗲𝗮𝗿 𝗨𝗻𝘁𝗶l 𝗮𝗴𝗲 𝟭𝟬𝟬!

𝗛𝗲𝘁𝗼 𝗮𝗻𝗴 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗻𝗴 𝗦𝘂𝗻 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗘𝗹𝗶𝘁𝗲 𝟭𝟬
✅𝗣𝗵𝗽 𝟭,𝟬𝟬𝟬,𝟬𝟬𝟬 𝗳𝗮𝗰𝗲 𝗮𝗺𝗼𝘂𝗻𝘁
✅𝗣𝗵𝗽 𝟮,𝟬𝟬𝟬,𝟬𝟬𝟬 𝗗𝗲𝗮𝘁𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁
✅𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 𝗘𝗻𝗱𝗼𝘄𝗺𝗲𝗻𝘁 𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁
✅𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁
✅𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
✅𝗖𝗵𝗶𝗹𝗱: 𝟬 𝗬𝗿𝘀 𝗼𝗹𝗱

𝗢𝗽𝘁𝗶𝗼𝗻𝗮𝗹 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗮𝗻𝗱 𝗮𝗱𝗱𝗲𝗱 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻:
✅𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹 𝗗𝗲𝗮𝘁𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗔𝗗𝗕)
✅𝗧𝗼𝘁𝗮𝗹 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗧𝗗𝗕)
✅𝗪𝗮𝗶𝘃𝗲𝗿 𝗼𝗳 𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝘂𝗽𝗼𝗻 𝗱𝗲𝗮𝘁𝗵 𝗼𝗿 𝗱𝗶𝘀𝗮𝗯𝗹𝗲𝗺𝗲𝗻𝘁 𝗼𝗳 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗼𝘄𝗻𝗲𝗿 (𝗪𝗗𝗗)
✅ 𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗛𝗲𝗮𝗹𝘁𝗵 𝗙𝘂𝗻𝗱) (𝗗𝗜𝗕)
✅𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗜𝗻𝗰𝗼𝗺𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗛𝗜𝗕)

𝗝𝘂𝘀𝘁 𝘀𝗲𝗻𝗱 𝗺𝗲 𝗮 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗺𝗼𝗿𝗲 𝗼𝗿 𝗶𝗳 𝗺𝘆 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗸𝗮 𝗮𝗯𝗼𝘂𝘁 𝗦𝘂𝗻 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗘𝗹𝗶𝘁𝗲 𝟭𝟬

Ctto

Message me for free sample plan!

14/12/2023

STORY TIME.

November 2023, After 6 years in the insurance industry, first time namin ni T***s magprocess ng Critical Illness Claim and Death Benefit Claim.

Madalas na biro ko pa sa mga clients ko, uy alam mo kapag ako advisor mo meron kang free prayer sa akin kasi wala pa akong claim. Kidding aside, palagi ko naman din talaga kayo pinagdadasal. 🙏 I always pray na mas maenjoy natin yung retirement benefit ng mga investments natin.

Anyway, I am sharing this to let people know to brace yourselves kasi mas magiging makulit kami sa pag encourage sa inyo to get a policy.

Iba pala ang effect kapag first hand naexperience mo na yung benefit nitong “yellow folder”.

Yung investments natin, tumataas, bumababa pero yung insurance kahit anong mangyari, idedeliver sayo at sa pamilya mo.

Totoo pala na in case of emergency, yung Financial Advisor mo ang pupunta sayo hindi para singilin ka ng bills pero para magdeliver ng cash pangbayad sa bills.

I thank God for giving me this platform. Salamat Sun Life for the opportunity to serve my fellow Filipinos.

If di ka naniniwala sa Insurance, walang pilitan pero try mo munang pakinggan.

Make an informed decision about your finances and future. If not now, then when?

Send me a message, magchikahan tayo kahit 30 minutes lang 😉