Important Disclosures

The guides, checklists, questionnaires, and articles on this website are for general education only. They do not consider your personal objectives, financial situation, or needs, and they are not financial, legal, tax, or investment advice.

Suggestions shown after the “Not sure what you need?” questions or the checklists are general starting points for a conversation, not recommendations to buy any product. A personalized recommendation can only be made after a proper discussion of your circumstances.

I am a Financial Wealth Planner with FWD Life Insurance Corporation (“FWD Philippines”), under Salientes Gonzalez Associates. The insurance and investment linked products I can offer are those of FWD Philippines.

This is a personal professional website. It is not the official website of FWD Philippines or FWD Group, and its content is my own unless stated otherwise.

Product descriptions on this website are summaries only. Benefits, eligible ages, premiums, charges, and exclusions vary by plan and by individual application, and all applications are subject to FWD Philippines’ underwriting. The official policy contract and product documents govern in every case.

Variable or investment linked plans carry investment risk. The value of the investment portion can go up or down, and past performance does not guarantee future results. Please read the product documents and ask questions before deciding.

Consultations are free. I earn a commission from FWD Philippines when a client gets a policy through me. This commission does not change the premium you pay, which is set by FWD Philippines based on the plan and your application.

Client stories and testimonials are shared with each client’s permission. Some details may be changed to protect privacy. They reflect individual experiences and do not guarantee a similar outcome.

If anything on this website is unclear, please get in touch. I am happy to explain it in plain language.