Michael & Melissa Villa-Real, Licensed Advisors

25/06/2025

A Conversation With No Trust

I lied to my financial advisor.
Told him I earned less than I do.

And so, we went on
talking numbers,
drafting dreams
scaled down to fiction.

A retirement fund
that might last me three months.

A health fund
fit for three days of mild fever.

Insurance
that could afford my family
a plot the size of a potted plant.

College savings
to get my kids
through one hopeful semester.

We built a financial plan that God knows fit whom?
Not me.
Not really.

But I nodded.
Told myself I’d won
kept control,
avoided the trap
of being fully seen.

I’d pay the smallest premium,
keep my options open,
walk away untouched.

⸻—>

That day,
two people lost.

The advisor lost a sale.
Me? I lost the future I pretended not to need.

CTTO Byrons Ferrer

16/06/2025

https://vt.tiktok.com/ZSk4rVwUo/

26/05/2025

One of the questions I get asked by young professionals is this:
“Kuya Randell, kailangan ko na ba ng life insurance kahit single pa ako?”

It’s a fair question. After all, many of you are still building your careers, paying off debt, or helping your family. Life insurance might feel like something only married people or parents should worry about.

But let’s look at it clearly—without pressure, without hype.

Read: https://randelltiongson.com/should-singles-buy-life-insurance/

30/04/2025

𝐏𝐑𝐎𝐌𝐈𝐒𝐄𝐒 𝐅𝐔𝐋𝐅𝐈𝐋𝐋𝐄𝐃 🌟

𝗦𝘂𝗻 𝗟𝗶𝗳𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀 𝗽𝗮𝗶𝗱 𝗼𝘃𝗲𝗿 ₱𝟲 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗶𝗻 𝟮𝟬𝟮𝟰, 𝗱𝗲𝗺𝗼𝗻𝘀𝘁𝗿𝗮𝘁𝗶𝗻𝗴 𝗼𝘂𝗿 𝘂𝗻𝘄𝗮𝘃𝗲𝗿𝗶𝗻𝗴 𝗰𝗼𝗺𝗺𝗶𝘁𝗺𝗲𝗻𝘁 𝘁𝗼 𝗯𝗲𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝗶𝗹𝗶𝗽𝗶𝗻𝗼𝘀’ 𝗣𝗮𝗿𝘁𝗻𝗲𝗿 𝗳𝗼𝗿 𝗟𝗶𝗳𝗲!

𝗔𝘀 𝘄𝗲 𝗰𝗲𝗹𝗲𝗯𝗿𝗮𝘁𝗲 𝗼𝘂𝗿 𝟭𝟯𝟬𝘁𝗵 𝗮𝗻𝗻𝗶𝘃𝗲𝗿𝘀𝗮𝗿𝘆, 𝘄𝗲 𝗮𝗿𝗲 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗼𝘂𝘀𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗶𝗻𝗴 𝗼𝘂𝗿 𝗰𝗹𝗮𝗶𝗺𝘀 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 𝘁𝗼 𝗱𝗲𝗹𝗶𝘃𝗲𝗿 𝘁𝗶𝗺𝗲𝗹𝘆 𝗮𝗻𝗱 𝗲𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗲 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝗼𝘂𝗿 𝗖𝗹𝗶𝗲𝗻𝘁𝘀. 💛

15/06/2024

Para sa mga ama na pinili mag sakripisyo sa abroad para sa kanilang pamilya, kami ay saludo sainyo. 💛

Alam namin na you're counting the years to be home for good. Let Sun Life be your partner to in your homecoming journey.

Like Makoto, an OFW based in Japan, who made the bright choice to secure the future of his family with the Shine Pinoy Overseas program.

WATCH his inspiring story here
https://sunlife.co/ShinePinoyJapinoy-episode-2
and his family https://sunlife.co/the-OFW-playlist

☀️Consult or PM me to learn more.

19/01/2024

SUN WEALTH PRIME 7 IS BACK!👈
LIMITED OFFER ONLY FROM SUN LIFE PHILIPPINES 🌞
Make your money work for you 💪🏼💛
500,000 minimum investment with 4% annual return for 7 Years.
Plus it comes with a 10% Life Insurance Coverage.
To illustrate:
Year 0 client to invest 500,000
Year 1 client to RECEIVE 20,000
Year 2 client to RECEIVE 20,000
Year 3 client to RECEIVE 20,000
Year 4 client to RECEIVE 20,000
Year 5 client to RECEIVE 20,000
Year 6 client to RECEIVE 20,000
Year 7 client to RECEIVE 20,000 + 500,000
All these benefits plus 50,000 worth of Life Insurance Coverage 👌
If your money is just sleeping in the bank, this might be a better option for you 🙂
Laging 4% ng ilalagay nyo ang return, kung may 10M ka guaranteed 400K/year return. Total of 12.8M after 7 years!

19/01/2024

01/02/2023

Congratulations and Welcome to #𝖻𝖱𝖨𝖦𝖧𝖳𝖾𝗋𝖫𝗂𝖿𝖾 𝗚𝗥𝗔𝗡𝗧!

"Ito yung gusto namin na plan 𝑮𝒖𝒂𝒓𝒂𝒏𝒕𝒆𝒆𝒅 𝒂𝒏𝒈 𝑹𝒆𝒕𝒖𝒓𝒏 at meron marereceive si 𝗚𝗥𝗔𝗡𝗧 𝑳𝒊𝒇𝒆𝒕𝒊𝒎𝒆 na puwede niya magamit paglaki niya. Kahit nasa legal age na siya later on 𝑷𝒓𝒐𝒕𝒆𝒄𝒕𝒆𝒅 pa rin siya."

💛Daddy 𝗥𝗔𝗗 and Mommy 𝗧𝗜𝗡 💛

27/11/2022