Your Future Matters by Jeahd Rowe

18/01/2026

This is a timely reminder of why diversification matters. When interest from traditional deposits is taxed uniformly, it’s wise to explore financial solutions that don’t rely solely on bank interest.

With Pru Life UK products, you can access valuable benefits while having the opportunity to invest in global funds, helping your money grow beyond local markets paired with the protection you and your family need.

Planning ahead is key.

Let me help you plan smarter. Don’t just save. 𝙎𝙩𝙧𝙖𝙩𝙚𝙜𝙞𝙯𝙚, 𝙙𝙞𝙫𝙚𝙧𝙨𝙞𝙛𝙮, 𝙖𝙣𝙙 𝙥𝙧𝙤𝙩𝙚𝙘𝙩.

Message me to explore TAX-FREE alternatives beyond traditional deposits.

JEAHD ROWE MATA
Associate Financial Coach
Assistant Unit Manager
Pru Life UK

Starting Jan. 1, 2026, all interest earned from bank deposits and investments, regardless of term, amount, or currency, will be subject to a flat 20% withholding tax under the Expanded VAT and EOPT Act (RA 11976).

But here’s the key: your savings themselves aren’t being taxed, just the interest they earn. This isn’t a new tax either, but a standardization of existing rules under the Capital Markets Efficiency Promotion Act (CMEPA).

While smaller accounts may see little change, those with large time deposits or foreign currency accounts may feel the impact more.

Planning ahead and diversifying your investments can help.
Need assistance? Our team is here to help. Just email us at: [email protected]

29/12/2025

When love becomes a lasting legacy.

With PruLifetime Income, you can receive guaranteed YEARLY payouts starting at the end of the 6th policy year all the way until age 100.

Plan Benefits:
✔️5–10 years savings plan
✔️Guaranteed annual payouts from end of 6th year to age 100
✔️200% Life protection from Day 1 until age 100
✔️200% Maturity Benefit when you reach age 100 plus the accumulated payouts and dividens
✔️Plus non-guaranteed dividend bonus

If you’re building long-term wealth and long-term security, message me and let’s talk 📩

26/12/2025

A smarter way to accumulate wealth and secure your legacy

⏰ Until December 31 only.

22/12/2025

I read this quietly… and it stayed with me.

A family in pain.
Complete documents.
Long silence.

Then one line stood out:
“Pru Life UK pa lang approved.”

No hype.
No debate.
Just a claim paid… when it mattered most.

This is what protection is supposed to feel like.
Hindi numbers.
Hindi marketing.
But reassurance… that when a family is already broken, the company shows up.

That’s why I’m proud to be a Pru Lifer.
Not because it’s easy to sell.
But because it’s strong enough to stand by families in their hardest moments.

Choosing protection early is about love that prepares,
responsibility that follows through,
and peace of mind that says:
“My family will be okay.”

And that kind of certainty?
That’s priceless. ❤️ ctto.

05/12/2025

04/12/2025

Education Fund + Retirement Fund in one affordable plan.

✅ 5 or 10 years to pay
✅ Guaranteed payouts for 10 years
✅ Guaranteed maturity benefit on the 20th year
✅ Guaranteed Death Benefit 200% of the Sum Assured

Example:

➡️ Sum Assured - 1 Million Pesos
➡️ Guaranteed Annual Payout - 100,000 pesos for 10 years, perfect for Education Funding.
➡️ Guaranteed Maturity Benefit - 1 Million Pesos as retirement fund.
➡️ Guaranteed Protection - 2 Million Pesos Death Benefit coverage for 20 years.

Want to know more about this wealth preserving product? Message me 😊

makes way for your child’s education and future dreams. Guaranteed payouts you can count on and protection from day one—because every dream deserves a strong foundation.

Talk to your Pru Life UK agent. Learn more: https://pru.ph/fb-prusteady-income-education

Product terms and conditions apply.

02/12/2025

𝐆𝐔𝐒𝐓𝐎 𝐌𝐎𝐍𝐆 𝐌𝐀𝐊𝐀-𝐈𝐏𝐎𝐍?

Try our best-selling plans for as low as P100 per day!

✅Savings and Retirement
✅Pamana for Kids
✅Health Protection
✅Income Protection
✅Hospitalization
✅Accident Insurance
✅Education Fund
✅Funding for other life goals (house, car, business, travel, etc.)
✅Estate transfer funding
✅Final expenses (memorial, final resting place, etc.)

𝐀𝐧𝐨 𝐩𝐚𝐧𝐠 𝐡𝐢𝐧𝐢𝐡𝐢𝐧𝐭𝐚𝐲 𝐦𝐨? Be future-ready!

Message me for a free sample quotation.

30/11/2025

When death already hurts, why must the bill hurt too? Estate tax shouldn’t be another heartbreak. 💔

Did you know that in the Philippines, families must pay a 6% estate tax based on the total value of the property left behind? Even a simple family home or a small piece of land is included.
And when the tax isn’t settled right away, heirs face penalties, surcharges, and interest turning a modest inheritance into a heavy burden.
This is why many estates remain ‘frozen’ for years, simply because families can’t afford the fees or don’t understand the process.

If you need guidance on how to prepare, plan, or protect your family from estate tax issues, I can help walk you through your options.

Message me. Let’s make sure your legacy remains a blessing, not a burden

ESTATE TAX: A BURDEN NO GRIEVING FAMILY DESERVES

These past months, my brother and I have been working on the extrajudicial settlement of our sister’s estate. She worked hard all her life until retirement, lived quietly, never married, and left a modest estate. Yet despite the recent exemption for the family home, the process has still been long, expensive, and emotionally draining. And every new requirement felt like reopening the wound of losing her.

If this is difficult for us, how much more for families with fewer resources, no lawyers, and no guidance?

Across Asia, many countries have already removed estate or inheritance taxes, Singapore, Hong Kong, Malaysia, Brunei, India, Thailand, Indonesia, Cambodia, Mongolia, Bhutan, among others. Australia and New Zealand have done the same.

They abolished the tax for one simple reason: Estate tax raises very little revenue, but it causes enormous hardship for ordinary people.

Here in the Philippines, inheritance is seldom about wealth. It is about a small house, a tiny lot, or farmland a parent worked on all their life. Yet heirs still face:
• Fees they cannot afford
• Paperwork they do not understand
• Penalties for delays they never intended
• Properties left frozen for decades because taxes were simply too heavy

Meanwhile, the wealthy quietly avoid estate taxes through trusts and legal structures. It is the poor who suffer, those who only want to keep the home their parents already paid taxes on again and again.

This is why so many nations moved away from estate tax. It traps families in grief and poverty, and turns hard-earned assets into “dead capital” that no one can use, sell, or develop.

So maybe it’s time to ask a deeper question: Why must we tax families at the moment they are hurting the most? Why must death come with a bill?

If our neighbors can choose compassion and common sense, perhaps the Philippines can choose it too, for dignity, for fairness, and for every Filipino family simply trying to move forward after a loss.

28/11/2025

Grateful to my clients for choosing protection, security, and peace of mind.