Planner Jona

Planner Jona Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Planner Jona, Financial planner, 11th Floor One Ayala/South Tower, Ayala Avenue, Cor Edsa, Makati.

๐‡๐ž๐ฅ๐ฉ๐ข๐ง๐  ๐œ๐จ๐ฎ๐ฉ๐ฅ๐ž๐ฌ ๐›๐ฎ๐ข๐ฅ๐ ๐š ๐Ÿ๐ฎ๐ญ๐ฎ๐ซ๐ž ๐ญ๐ก๐ž๐ฒโ€™๐ซ๐ž ๐ž๐ฑ๐œ๐ข๐ญ๐ž๐ ๐Ÿ๐จ๐ซ ๐š๐ง๐ ๐ฉ๐ซ๐ž๐ฉ๐š๐ซ๐ž๐ ๐Ÿ๐จ๐ซ.๐Ÿงก
Real conversations about love, money, and building a future together.

๐Ÿ’ŒOpen to meaningful conversations.

17/06/2026

One Thing We Wish We Started Earlier

Matagal na kaming magkasama ng partner ko sa bahay, and ever since, sinusunod namin yung 50-50 rule pagdating sa finances. Hati sa bills, hati sa dates, halos hati sa lahat. Kahit mas malaki ang sahod ng isa, dapat equal pa rin ang contribution.

At first, feeling namin fair siya.

But eventually, we realized na hindi pala siya fair in practice.

Why?

Because mas mabigat siya para sa taong mas mababa ang income. Kahit pareho kayong nagbibigay ng amount, hindi pareho yung impact nito sa finances ninyo.

For example, kung ang isa ay kumikita ng โ‚ฑ30,000 per month at ang isa naman ay โ‚ฑ60,000 per month, tapos may โ‚ฑ10,000 kayong rent, tig-โ‚ฑ5,000 kayo.

On paper, equal siya.

Pero para sa kumikita ng โ‚ฑ30,000, thatโ€™s already 16% of their income. Para naman sa kumikita ng โ‚ฑ60,000, nasa 8% lang.

Same amount. Different impact.

Thatโ€™s why we eventually decided to combine our income. Naging โ€œpera naminโ€ na siya, hindi na โ€œpera koโ€ at โ€œpera niya.โ€

For us, mas naging madali ang pag-budget, pag-prioritize ng bills, at pag-manage ng wants and needs. Mas naging team effort yung finances namin instead of keeping score kung sino ang nagbayad ng ano.

Of course, iba-iba naman ang setup ng bawat couple o mag-asawa. Hindi namin sinasabing ito ang tamang paraan para sa lahat.

Ito lang yung nag-work para sa amin.

Kayo, paano ang setup ninyo pagdating sa finances?

11/06/2026

One of the biggest money lessons we've learned as a couple is that financial decisions become easier when you're working towards the same goals. โค๏ธ

Here are 3 things that have helped us:

1๏ธโƒฃ Before making a big purchase, we ask ourselves:
"Will this still give us value years from now?"

It's easy to get excited about buying something today. But we've learned that not everything that makes us happy now will help us reach our goals later.

2๏ธโƒฃ Build an emergency fund as a couple.

Not just enough for one person, but enough to protect both of you.

Life can be unpredictable. Having 3 to 6 months' worth of expenses saved gives us peace of mind knowing we're better prepared for unexpected situations.

3๏ธโƒฃ Get insured together.

This was one of the best financial decisions we made.

We work hard for our future, so it only makes sense to protect it too. Insurance helps us worry less about the "what ifs" and focus more on the life we're building together.

We're still learning every day, but these are lessons we're grateful we started early.

How about you? What's the biggest money lesson you've learned as a couple? ๐Ÿ‘‡

Random question.When you and your partner talk about the future, ano yung lagi ninyong napag-uusapan?A dream house?More ...
11/06/2026

Random question.

When you and your partner talk about the future, ano yung lagi ninyong napag-uusapan?

A dream house?
More travels?
Starting a business?
Growing your family?

And honestly, I love these conversations.

Because behind every goal is a couple choosing to build something together, one step at a time.

Kayo, what's a dream you're currently working on as a couple? ๐Ÿ‘‡

One night, may tinanong ako sa partner ko."Mal, what if mawalan ako ng work for months? Ano kaya mangyayari sa atin?"Sag...
09/06/2026

One night, may tinanong ako sa partner ko.

"Mal, what if mawalan ako ng work for months? Ano kaya mangyayari sa atin?"
Sagot niya: "Baka magbabago lifestyle natin. Maglilipat ng bahay. Titipirin natin lahat."

And that hit different.

Nakatira kami sa Metro Manila. Mataas ang bilihin. Mataas ang cost of living. If ang monthly expenses ko ay โ‚ฑ25,000.
3 months without income = โ‚ฑ75,000 na kailangan naming harapin if wala kaming emergency fund.

Tapos naisip ko pa...
What if hindi lang job loss?
What if critical illness pa?

Hindi na lang lifestyle ang magbabago. Kundi yung gamot, hospitalization, recovery. Lahat ng โ€˜yon on top of everything else.

Ang hirap pala. Ang complicated.

Kaya kami ng partner ko, sinikap namin parehas magkaroon ng sariling health protection plan. Para kung may mangyari man, handa kami. Hindi kami mag-aalala para sa isa't isa.

Kayo ba?๐Ÿงก

Message me kung gusto mong malaman kung paano. Libre ang usap. โ˜บ๏ธ

Akala niya para sa sarili niya lang.Pero bago siya mag-decide, may isang tao siyang naisip.โ€œPaano naman siya?โ€Initially,...
09/06/2026

Akala niya para sa sarili niya lang.

Pero bago siya mag-decide, may isang tao siyang naisip.

โ€œPaano naman siya?โ€

Initially, siya lang sana ang kukuha ng health plan. Pero habang pinag-uusapan namin ang future, naisip niyang mas magandang sabay silang maging handa.

๐Ÿ’™ For Him: โ‚ฑ130/day
๐Ÿฉท For Her: โ‚ฑ120/day

Hindi dahil may sakit.
Hindi dahil may emergency.

Kundi dahil may future silang gustong protektahan habang maaga.

Minsan, ang pinakamagandang regalo sa taong mahal mo isnโ€™t something you buy.

Itโ€™s knowing that youโ€™re both preparing for the future together.

If youโ€™re building a future with someone, baka magandang pag-usapan niyo rin ito.

Message me with โ€œCOUPLEโ€ and Iโ€™ll share a sample plan based on your age. ๐Ÿงก

โ€œ๐๐š๐ค๐ข๐ญ ๐ก๐ข๐ง๐๐ข ๐ค๐š ๐ฉ๐š ๐ซ๐ž๐š๐๐ฒ ๐ฆ๐š๐ ๐ฉ๐š๐ค๐š๐ฌ๐š๐ฅ?โ€ ๐ญ๐š๐ง๐จ๐ง๐  ๐ค๐จ ๐ฌ๐š ๐ฃ๐จ๐ฐ๐š ๐ค๐จ ๐Ÿ๐ฒ๐ซ๐ฌ ๐š๐ ๐จ.Napaisip siya.Tapos sabi ko,โ€œ๐€๐ค๐จ, ๐ก๐ข๐ง๐๐ข ๐š๐ค๐จ ๐ฉ๐š๐ฉ๐š๐ฒ๐š๐  ...
08/06/2026

โ€œ๐๐š๐ค๐ข๐ญ ๐ก๐ข๐ง๐๐ข ๐ค๐š ๐ฉ๐š ๐ซ๐ž๐š๐๐ฒ ๐ฆ๐š๐ ๐ฉ๐š๐ค๐š๐ฌ๐š๐ฅ?โ€ ๐ญ๐š๐ง๐จ๐ง๐  ๐ค๐จ ๐ฌ๐š ๐ฃ๐จ๐ฐ๐š ๐ค๐จ ๐Ÿ๐ฒ๐ซ๐ฌ ๐š๐ ๐จ.

Napaisip siya.

Tapos sabi ko,

โ€œ๐€๐ค๐จ, ๐ก๐ข๐ง๐๐ข ๐š๐ค๐จ ๐ฉ๐š๐ฉ๐š๐ฒ๐š๐  ๐ง๐š ๐ฆ๐š๐ ๐ฉ๐š๐ค๐š๐ฌ๐š๐ฅ ๐ญ๐š๐ฒ๐จ ๐ก๐š๐ง๐ ๐ ๐šโ€™๐ญ ๐ฐ๐š๐ฅ๐š ๐ค๐š๐ง๐  ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž.โ€

Napatawa siya.

โ€œ๐ˆ๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐š๐ ๐š๐? ๐€๐ค๐š๐ฅ๐š ๐ค๐จ ๐›๐š๐ก๐š๐ฒ ๐จ ๐ค๐จ๐ญ๐ฌ๐ž.โ€

Sabi ko,

โ€œ๐‡๐ข๐ง๐๐ข ๐ง๐š๐ฆ๐š๐ง ๐ค๐š๐ข๐ฅ๐š๐ง๐ ๐š๐ง๐  ๐ฆ๐š๐ฒ๐š๐ฆ๐š๐ง ๐ญ๐š๐ฒ๐จ ๐›๐š๐ ๐จ ๐ฆ๐š๐ ๐ฉ๐š๐ค๐š๐ฌ๐š๐ฅ. ๐๐ž๐ซ๐จ ๐ ๐ฎ๐ฌ๐ญ๐จ ๐ค๐จ ๐ก๐š๐ง๐๐š ๐ญ๐š๐ฒ๐จ.โ€

Dati kasi akala ko sapat na na mahal namin ang isaโ€™t isa.

Pareho kaming may trabaho.
Pareho kaming may pangarap.
Pareho kaming gustong bumuo ng pamilya.

Pero habang tumatanda kami, mas naiintindihan ko na hindi lang pala pagmamahal ang kailangan.

Kailangan emotionally ready.

Kailangan marunong kayong magsolusyon ng problema nang magkasama.

Kailangan pipiliin niyo pa rin ang isaโ€™t isa kahit hindi madali.

At kailangan handa rin financially.

Sabi ko sa kanya,

โ€œ๐Š๐š๐ฉ๐š๐  ๐ฆ๐š๐ ๐š๐ฌ๐š๐ฐ๐š ๐ง๐š ๐ญ๐š๐ฒ๐จ, ๐ก๐ข๐ง๐๐ข ๐ง๐š ๐ฅ๐š๐ง๐  ๐ฉ๐ซ๐จ๐›๐ฅ๐ž๐ฆ๐š ๐ฆ๐จ ๐š๐ง๐  ๐ฉ๐ซ๐จ๐›๐ฅ๐ž๐ฆ๐š ๐ฆ๐จ. ๐๐ซ๐จ๐›๐ฅ๐ž๐ฆ๐š ๐ค๐จ ๐ง๐š ๐ซ๐ข๐ง. ๐€๐ญ ๐ ๐š๐ง๐ฎ๐ง ๐๐ข๐ง ๐š๐ค๐จ ๐ฌ๐š๐ฒ๐จ.โ€

Tahimik siya.

Tuloy ko,

โ€œ๐๐š๐š๐ง๐จ ๐ค๐ฎ๐ง๐  ๐›๐ข๐ ๐ฅ๐š ๐ค๐š๐ง๐  ๐ฆ๐š๐จ๐ฌ๐ฉ๐ข๐ญ๐š๐ฅ?โ€

โ€œ๐๐š๐š๐ง๐จ ๐ค๐ฎ๐ง๐  ๐ก๐ข๐ง๐๐ข ๐ค๐š ๐ฆ๐š๐ค๐š๐ฉ๐š๐ ๐ญ๐ซ๐š๐›๐š๐ก๐จ ๐ง๐  ๐ข๐ฅ๐š๐ง๐  ๐›๐ฎ๐ฐ๐š๐ง?โ€

โ€œ๐๐š๐š๐ง๐จ ๐ค๐ฎ๐ง๐  ๐ฆ๐š๐ ๐ค๐š๐ซ๐จ๐จ๐ง ๐ง๐  ๐ฆ๐š๐ฅ๐š๐ค๐ข๐ง๐  ๐ฆ๐ž๐๐ข๐œ๐š๐ฅ ๐›๐ข๐ฅ๐ฅ?โ€

Hindi naman sa nag-ooverthink ako.

Pero gusto ko lang na kung dumating man yung mga bagay na hindi natin kontrolado, hindi pera ang una nating poproblemahin.

Mas gusto kong ang focus natin ay pagpapagaling.

Pag-aalaga.

At pagbangon.

Hindi kung saan kukuha ng pambayad.

Kaya para sa akin, hindi lang tungkol sa pera ang insurance.

Parte siya ng pagiging responsable sa taong plano mong makasama habang buhay.

Hindi masamang pag-usapan ang pera sa isang relasyon.

Sa totoo lang, baka isa pa nga ito sa mga pinakamahalagang pag-uusap bago magpakasal.

๐ˆ๐ค๐š๐ฐ, ๐š๐ง๐จ ๐ฒ๐ฎ๐ง๐  ๐ข๐ฌ๐š๐ง๐  ๐ง๐จ๐ง-๐ง๐ž๐ ๐จ๐ญ๐ข๐š๐›๐ฅ๐ž ๐ฆ๐จ ๐›๐š๐ ๐จ ๐ค๐š ๐ฆ๐š๐ -โ€œ๐ˆ ๐๐จโ€? ๐Ÿงก

Most of our parents spent their whole lives making sure we were safe, comfortable, and protected.Now that weโ€™re older an...
19/05/2026

Most of our parents spent their whole lives making sure we were safe, comfortable, and protected.

Now that weโ€™re older and capable, maybe itโ€™s our turn to protect them too. ๐Ÿค

Many people think insurance is only for young professionals or breadwinners.
But the truth is, preparing for our senior parents can also give families peace of mind during unexpected moments.

This sample plan for a 62-year-old female provides up to โ‚ฑ2M life insurance coverage for as low as โ‚ฑ2,500/month.

Because love is not only about providing today.
Sometimes, itโ€™s also about preparing for tomorrow.

Message me if you want to explore options for your parents while theyโ€™re still insurable. โ˜บ๏ธ

One of the saddest realizations in adulthood is this:Our parents are aging while we are busy building our lives.Sometime...
18/05/2026

One of the saddest realizations in adulthood is this:

Our parents are aging while we are busy building our lives.

Sometimes, growing up is not only about becoming successful.
Itโ€™s about becoming capable enough to protect the people who once protected us first.

Your parents are getting older too.Call your Mama. Visit your parents. Spend time while you still can. ๐Ÿงก
16/05/2026

Your parents are getting older too.

Call your Mama. Visit your parents. Spend time while you still can. ๐Ÿงก

We always think thereโ€™s still time.โ€œIโ€™ll start next month.โ€ โ€œKapag nakaipon na.โ€ โ€œKapag mas stable na.โ€We delay workouts...
16/05/2026

We always think thereโ€™s still time.

โ€œIโ€™ll start next month.โ€ โ€œKapag nakaipon na.โ€ โ€œKapag mas stable na.โ€

We delay workouts, checkups, rest, family time, and sometimes even preparing for the people we love most.

Preparation feels optionalโ€ฆ until life makes it necessary.

Address

11th Floor One Ayala/South Tower, Ayala Avenue, Cor Edsa
Makati
1226

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