KEY FINANCIAL NEEDS:

INCOME & HEALTH PROTECTION - Prioritizes protection of the breadwinner's income in the occurrence of SADD events in life (Sickness, Accident, Disability or Death). This will provide a safety net to assure the family's lifestyle will remain in tact, not downgraded or will not fall apart.

EDUCATION - Your budget will be heavy on allocating funds for education needs of children during this stage. We believe the cost of education along the years is getting more and more expensive. Time is essential to prepare for this goal. Save and invest to earn interest rather than borrow money to pay for child's tuition and pay for interest. This will allow you to save more money for your priorities in you next stage of life

EMERGENCY FUND - Is your immediate access unforeseen situations like temporary financial shortage, unemployment, or urgent family needs to make sure other financial obligations will still be met, not delaying your payments such as mortgages, investment commitments and avoid getting into debt.

WALLET FUND - Savings that has potential to earn for short-term and medium-term needs to achieve your family's milestones such as securing own house, capital for business, family car, travel with family, family home needs and more.

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