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

In today's fast-paced and financially driven world, having a grip on financial concepts is more crucial than ever. Recently, the...

We are thrilled to announce the newest addition to our team, Katrina Hillario! As a licensed consultant specializing in health protection...

Flooding in Metro Manila is a growing concern. Every rainy season, thousands of residents and businesses are affected. The region's...

An SJ&P Special report on the political and landscape dynamics of the Philippines and the world. The Philippines is known for its vibrant...

Navigating the tricky world of insurance can often feel overwhelming. Choosing the right insurance consultant can vastly change your...

When it comes to managing money, one size does not fit all. Financial success is a journey that requires a map designed specifically for...

In the rapidly changing financial world of the Philippines, a career as a financial advisor is not just a job; it’s a path filled with...

In recent years, inflation has emerged as a major concern for individuals and businesses alike. As the cost of living rises, so does the...

Inflation is a term often heard in discussions about the economy. Many assume that low inflation signals a healthy economy, but it's more...

The Philippines, known for its stunning landscapes and vibrant festivals, also hides a complex story about wealth perception. Here, the...

In today's ever-evolving economic landscape, currency exchange rates are constantly in flux. Understanding the factors that influence...

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...

By King San Josè - Santos, RFP, CFC, CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory The recent implementation of a 20% tariff...

By: King San Josè- Santos, RFP, CFC, CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory In the often confusing world of loans and...