Safety MarginWhat you leave behind is not just wealth. In the Philippines, probate can freeze your estate for years. And your heirs must still pay 6% estate tax in cash within one year.
A confidential 2-minute assessment to find out if your estate bypasses probate, or risks years of delay, public exposure, and forced asset sales.
This tool is for educational guidance only. Results must be validated through an official proposal and consultation with a licensed advisor.
Answer a few private questions
Takes 2 minutes. Confidential, focused on your estate and legacy.
Get your Legacy assessment
See where your estate is exposed to probate delays and the 6% estate tax.
A private consultation with Jojo
A confidential 30-minute review of your results. No obligation.
How estate planning structures compare
| Structure | Probate | Privacy | Tax |
|---|---|---|---|
| Will + Estate Plan | Yes | Low | 6% + fees |
| Living Trust | No | High | Fees |
| Investment Mandate | No* | High | Fees |
| Family Corp. | Partial | Low | Fees |
| Insurance Policy | No | High | None |
* Subject to fund structure. Insurance is the only vehicle with no probate, no estate tax, and full privacy.
A real advisor who built this because he kept seeing the same gaps.
When I arrived in Singapore as a Field Service Engineer, I thought the hard part was over. Good salary. Better life ahead.
I was wrong. Like a lot of OFWs, the high income didn't go where it should have. Lifestyle went up. Savings didn't. My whole family was with me in Singapore, and at one point we were just surviving. Earning well, working hard, and still had nothing to show for it. No savings. No investments. Just bills.
That was the wake-up call. We found a community of people with the same mindset, Filipinos asking the same hard questions about money. Together we learned investing, business, economics, and the one thing that made all the difference: personal development. When you change how you think about money, everything else follows.
Slowly, things started to take shape. Real estate, a laundry business, a design and build company, and a few other ventures. What started as a desperate attempt to recover became something we were genuinely proud of.
When things got better, I sent my family back home to the Philippines first. A year later, I followed. That was 2018. Coming home not just to the country, but to my family, and to help my wife run everything we had built together.
I joined Sun Life as an insurance advisor because insurance was the one piece I kept seeing missing, even in people already doing the right things. One health crisis. One death in the family. Without protection in place, everything you built can disappear.
I work with families who have built something worth protecting.
You have spent years building this. This confidential assessment exists so you can see, in 2 minutes, exactly where your estate is exposed, before it becomes your family's problem. No pressure. Just clarity.
Questions, answered
Begin your confidential assessment.