How High Net Worth Individuals Use Insurance as a Wealth Tool

When most people think about insurance, they think about protection from loss—hospital bills, sudden death, or unexpected emergencies. But for the wealthy?Insurance isn’t just about protection. It’s about strategy. High net worth individuals (HNWIs) use insurance as a financial tool to preserve wealth, reduce taxes, protect assets, and ensure their legacy is passed on smoothly.... Continue Reading →

What is Financial Wellness and How Do You Achieve It? (Because money affects your health more than you think.)

Have you ever felt overwhelmed every time bills are due or when an unexpected expense shows up? That uneasy feeling—yung parang laging may kulang—is a sign that something’s off in your finances. And that’s the opposite of financial wellness. But what exactly is financial wellness? It’s not about being rich. It’s not about perfection either.It’s... Continue Reading →

You Take My Breath Away, BATANES

Way back 2007, 1st year college pa lang kami nun, may classmate kami in Adamson University na taga Batanes and his name is Rj. I remembered when we asked him kung saan siya nag-aral nung High School, he told us sa Batanes. And immediately I told him, "Saan yun?"... "Isama mo naman kami doon." There were... Continue Reading →

The Power of Putting Your Dreams on Paper

Have you ever experienced dragging yourself out of bed and said, "Hayyy it's another day"? Have you ever found yourself wondering, trying to figure out what's happening with you? Have you ever asked yourself, "What do I really want in my life?" If one of your answers is YES, baka andyan ka sa "space" kung nasaan ako before. --------------------------... Continue Reading →

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