Planning for retirement is one of the most important financial decisions you can make. It ensures that you have the resources to live comfortably and maintain your lifestyle once you stop working. Many people delay thinking about retirement, but starting early can make a significant difference in your financial security. This article explores the benefits of retirement planning and offers practical advice to help you secure your future. Understanding the Benefits of Retiremen

By: Christian Ramos, L.F.A Licensed Financial Advisor and Solicitor for Investments and Insurance Beyond Raw Returns: A Smarter Approach to Evaluating Your Investments Advance Reading for Investment Fund Managers. Are you getting ready to invest in a fund or establish a retirement fund for your company? Hold on! There's more to consider than just the rate of return. Let's explore alpha in retirement funds. Experiencing a positive return on your investment portfolio is satisfy

Travel agencies are vital in the tourism industry, guiding travelers through the often-complex process of trip planning. One substantial challenge they face is securing affordable rates for their clients. This is where travel insurance comes in handy. It not only provides essential coverage for travelers but also enables travel agencies to access better rates and enhance their overall service. In this blog post, we will explore how our travel insurance supports agencies in ob

By: Christian Ramos, L.F.A SJ&P | Licensed Solicitor for Investments and Insurance Variable Universal Life (VUL) insurance is a widely discussed yet often misunderstood financial product in the Philippines. It is marketed as a combination of life insurance, investment, and retirement fund, but has faced criticism from policyholders. This article aims to clarify misconceptions about VUL to aid informed financial decisions. Misconception 1: VUL Is Mainly an Investment The Reali

From Aspiring L.F.A to Future Senior Wealth Manager: The Inspiring Journey of Christian Klein Ramos, L.F.A Christian Klein Ramos represents ambition and a strong drive to make a difference. His journey toward becoming a Licensed Financial Advisor (L.F.A) showcases not only his career aspirations but also his commitment to helping others achieve their financial dreams. With the ambitious goal of becoming a Senior Wealth Manager at SJ&P, Christian's story inspires anyone lookin

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By: King San Josè- Santos, RFP, CFC,CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory The recent tariff negotiations between the...

Diving into the world of forex markets can be thrilling and daunting simultaneously. The foreign exchange market is one of the largest...

By: King San Josè- Santos,RFP, CFC,CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory The Philippines faces a tough reality each...

By: King San Josè - Santos, RFP,CFC,CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory The recent discussions surrounding the...