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Orientation for new visitors

Welcome.

If you are visiting for the first time, I want you to feel oriented quickly.

Most people arrive here for one reason: You want clarity and control before a financial decision becomes urgent.

This site is built for Filipino and Filipino-Chinese families, OFWs, professionals, and business owners who prefer discreet, well-structured guidance.

No noise. No pressure.

Just clear the next steps.

Select Your Path

I want to understand your approach first

Start Here: How I work with clients
What to expect: My priorities, how I handle reviews, and my fiduciary standards.

I have existing insurance (VUL) and feel uncertain

Start Here: Understanding policy performance and volatility
Then: A 30-minute policy health check
The Goal: Separate normal market movement from critical issues, so you know what actions actually matter.

I am serious about estate planning

Start Here: What happens when there is no plan
Then: The Estate Planning Checklist for Filipino Families
The Goal: Readiness, documentation, and reducing friction for your heirs.

I am a business owner, ensuring continuity

Start Here: Succession basics for Filipino business owners
Then: The Owner’s Continuity Checklist
The Goal: Clarity on roles, ownership, and reducing family conflict.

I want protection from fraud and bad advice

Start Here: Due diligence, verification, and red flags
The Goal: Practical defense against scams, pressure selling, and complex schemes.

What I Do

I help you make sound decisions across four areas:

Planning and Structure: Aligning cash flow, debt, and investments with your real life.
Protection: Ensuring insurance coverage and beneficiary designations work in practice, not just on paper.
Estate Readiness: Coordinating with your legal and tax teams to plan for death or incapacity.
Family Continuity: Reducing dispute risks through clear documentation and sensible guardrails.

The Process

Step 1: Clarity Call. We identify exactly what you are trying to solve.

Step 2: Diagnosis. We review your current setup to identify gaps and risks.

Step 3: Options. You receive clear recommendations—what to do now, what can wait, and why.

Step 4: Implementation. If you proceed, we execute cleanly within Philippine regulations.

Step 5: Review. We keep the plan current as your life changes.

Preparing for a Review

If you decide to book a consultation, you do not need to organize everything perfectly. Simply gather what you have:

Policy summaries and fund values
Investment statements and account lists
Business details and estate documents (if relevant)

A Note on Privacy: You do not need to disclose everything immediately. Trust is earned, and we will pace the process accordingly.

Next Step

If you want guidance that is private, structured, and practical, please visit the Contact page.

After you send a message, you will receive a specific checklist and two schedule options so you know exactly what to do next.

Important Note

This website is for educational purposes. It is not legal, tax, or accounting advice. Investments fluctuate, and past performance does not guarantee future results. Recommendations are made only after assessing suitability.